<prompt> Human: I was supposed to be on a flight right now with my wife from the states to Scotland for the next two weeks, but a one hour delay is causing us to not arrive until Tuesday. This in turn means we wont be refunded for our hotel we had booked for Monday, and I had to change another flights departure time. The flight is with United. They have already changed my flights to get me to Scotland, just not my flight not through them to get me to the Orkneys which is coming out of pocket. The CS rep recommended I fill out a claim, but will I even get anywhere with that? Am I just completely SOL, and in the future should get travelers insurance?  <response>: A lot of credit cards will have travelers protections like delayed flights if you use them to buy your airline tickets. Id check with them first.I buy travelers insurance its not expensive if Im taking an overseas vacation. If I bite the dust then shipping my body back home is taken care of. : 