Flight & baggage delay insurance
Flight delayed?
Get paid in minutes, not months.
When your flight or baggage is delayed, OrbitCover pays you automatically, straight to your account. No claim to file, no forms to upload, no waiting on hold.
Join the early access list. Be first to get covered when we launch.
Flight delay detected
3h 45m late · trigger confirmed
Payout initiated
$60
No claim filed. OrbitCover handled it
How OrbitCover works
There's nothing to do when things go wrong. You add your trip once, and we handle the rest automatically, from watching your flight to paying you out.
Once you're covered, just add your flight. That's the only step you take.
Takes under a minute.
We track it around the clock against live airline and airport data.
No app to check. No buttons to press.
If your flight or baggage is delayed past the limit, we verify it instantly.
No proof or receipts needed from you.
Your payout lands in your account in minutes, in your currency.
No claim. No paperwork. Just money.
We're watching the skies in real time
Our disruption channel posts flight and baggage delays as they happen, every half hour. The same monitoring that triggers your payout, live for everyone to see.
Follow @orbitcover on XWhat you're covered for
Two simple covers that pay out on their own. The moment a delay is confirmed, your money is on the way. No claim to file, ever.
Flight Delay Cover
Get paid automatically when your flight is delayed past the limit. Nothing to file, nothing to prove.
- Trigger
- Delay ≥ 2 hours
- Payout
- $30 – $300
- Speed
- ~15 min target
Baggage Delay Cover
Get paid when your checked baggage doesn't arrive on time, automatically.
- Trigger
- Delay ≥ 6 hours
- Payout
- $50 – $500
- Speed
- ~15 min target
Payout ranges shown for illustration and localized for display only. Final amounts and currency are set at policy purchase. Requires a verified payout account (bank, UPI, or wallet) and KYC at purchase.
Get paid, don't file claims
Traditional travel insurance makes you chase a delay with forms and receipts. OrbitCover just pays you the moment it happens.
| Traditional insurance | OrbitCover | |
|---|---|---|
| Claim process | Fill forms, upload documents, wait for approval | Fully automatic. We detect the disruption for you |
| Payout speed | 15–45 days processing time | ~15 min from confirmation, for eligible events |
| Paperwork | Boarding passes, receipts, delay certificates | Zero paperwork, just your booking details |
| What you actually get | A reimbursement, eventually | Money in your account, automatically |
| Verification | Manual. You prove the delay happened | Automatic. We track your journey in real time |
Questions, answered
Everything worth knowing before you join the early access list.
How does OrbitCover pay out so fast?
OrbitCover is parametric cover. Instead of reviewing a claim, we watch your flight and baggage against trusted data sources. The moment a covered delay is confirmed, the payout is triggered automatically and sent to your account, usually within minutes, with no claim to file.
Do I need to file a claim or upload documents?
No. There are no claim forms, boarding passes, or delay certificates to submit. OrbitCover detects the disruption for you and initiates the payout on its own. You just need your booking details on file.
Which currencies and countries does OrbitCover support?
OrbitCover is built for global travelers. Payouts can be issued in major currencies including USD, EUR, GBP, INR and more, to a local bank account, UPI, or supported wallet. Available markets and currencies expand as we roll out with our insurance partners.
What triggers a payout?
Each product has a clear, pre-defined trigger, for example a flight delayed beyond a set number of hours, or checked baggage that doesn't arrive on time. If the trigger condition is met and confirmed, you're paid. No interpretation, no negotiation.
Is OrbitCover real insurance?
Yes. OrbitCover products are underwritten by licensed insurance partners. We're currently in pre-launch, finalizing regulatory approvals and partners in our launch markets. Join the early access list to be covered first when we go live.
How much does it cost and how much do I get?
Pricing and payout amounts depend on your trip and the cover you choose, and are confirmed at purchase. The amounts shown on this page are illustrative ranges to give you a sense of scale across currencies.
How do I get paid?
Payouts go straight to the account you connect at purchase: a bank account, UPI ID, or supported digital wallet. As soon as a covered event is verified, the money is on its way.
Get paid the next time your flight is delayed.
Join the early access list. Early members get priority access and exclusive benefits when we launch.
No spam. We'll only email you about launch and your early-access spot.