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Hurricane Season & Travel Insurance

The number one concern of summer travelers researching travel insurance is how their trip will be affected by hurricanes or other severe weather events. When traveling during the Atlantic hurricane season, June 1st to November 30th, you must plan for unexpected weather patterns. It is best to purchase a travel insurance plan as soon as you place your first payment on your trip to avoid loss of coverage due to a predicted storm. Basically, you need to buy your plan before a hurricane or tropical storm is predicted to affect your travel plans.

 

If you read nothing else in this article, although all of it is important and we highly recommend you do, know this: purchasing your travel insurance plan prior to a storm being named should provide you coverage for travel concerns that arise due to that storm. If a hurricane or tropical storm that affects your trip is predicted prior to you purchasing a plan, your coverage may be extremely limited.

Hurricane Travel Insurance: How to Decide If it’s Important

You are probably thinking to yourself, “Sure, bad weather affects travel plans. But do I really need to invest in a travel insurance plan?” While we can’t answer that question for you, we can set you up with the right tools. We recommend purchasing a comprehensive travel insurance plan if you can answer ‘yes’ to any of the following questions:

Are you planning to travel between June 1 and November 30?
This is the “hurricane season” in the Atlantic region. If you are traveling at all during these days (even just returning from a trip in early June), we highly recommend you purchase a plan. It can help to reimburse additional expenses, up to the policy limit, for an extended stay due to grounded flights or an interrupted trip due to damage of your primary residence.

Are you traveling to or through any destination on the East Coast of the United States, or in the Atlantic region?
The Atlantic region (or East Coast of the United States or the Caribbean) is the prime area for hurricanes. The most impactful hurricanes in the last decade hit the mid-Atlantic region of the United States east coast, the Texas, Florida, Alabama and Louisiana coastlines; twice.

Do you live anywhere on the East Coast of the U.S. or in the Atlantic Region?
If you live in an area where hurricanes are known for tormenting, travel insurance can help you out – even if you are leaving the area entirely. If you are on a trip away from home when a hurricane hits and your primary residence is made uninhabitable, your plan may provide trip interruption coverage which may help to defray the cost of returning home and provide reimbursement for unused pre-paid, non-refundable trip costs.

Hurricane season is six months out of the calendar year. Six. That’s a large window of time that Mother Nature can wreak havoc on the travel industry. Depending on the travel investment you are making, you should consider purchasing a travel insurance plan if you answered yes to any of these questions. But how exactly does a travel insurance plan cover you if bad weather should occur?

Travel Insurance Coverage That Can Assist if a Hurricane Hits

Let’s go back to that fun fact we shared at the start of the article: purchasing your plan prior to a storm being named should provide you coverage for travel concerns that arise due to that storm.

It may seem like a small detail, but it will make or break the coverage available to you. If you wait to purchase a travel insurance plan until The Weather Channel is already warning the world about the latest hurricane on it’s way to the Caribbean Islands, you’re too late. However, if you purchased your travel insurance plan in a timely manner, you should expect a full suite of coverage as listed on your plan. Here are some reasons you may want to use your travel insurance coverage:

Airline or cruise line cancels or delays the trip due to weather: If your airline or cruise line cancels or delays your scheduled departure due to bad weather, you may be eligible for the trip cancellation, travel delay or trip interruption coverage on your plan. This can help to reimburse you for the unexpected, added expenses for being held in transit longer than expected. Depending on the plan, you may even be eligible for inconvenience benefits if there is a change to your itinerary.

Your destination is under a hurricane warning: Some travel insurance plans will have coverage that becomes eligible for reimbursement when a destination is under an NOAA-issued Hurricane warning or alert.* It’s important to know how detailed your travel insurance plan is in regards to specific hurricane warnings and coverage eligibility.

Accommodation cancels a reservation because of storm damage at destination: If a storm hits hard prior to your arrival date, a hotel, resort, or vacation rental may cancel your reservation because it’s devastated and made uninhabitable by a storm. Travel insurance plans typically provide coverage for this. A reimbursement for this can help if the accommodation you selected does not provide a full refund for your pre-paid reservation.

You must cancel or interrupt because your home was made uninhabitable by a natural disaster: The right travel insurance plan doesn’t just protect you in case something should damage or destroy your destination – but also your home. If you cannot travel because you need to tend to damage done to your primary home, you may be eligible for reimbursement due to cancellation or interruption of your trip.

Going home early because your destination has become uninhabitable while you are there: It could be a scary situation to be on vacation when a dangerous storm rolls through. A travel insurance plan could provide coverage for trip interruption (going home early) because your accommodations have become uninhabitable during the storm.

These are a handful of reasons travelers have found travel insurance to be helpful in recouping lost travel expenses. If you are traveling and think you may be able to be reimbursed for unexpected expenses due to bad weather changing your travel plans, keep your receipts and document everything possible. Call your travel insurance company and any travel suppliers that may be affected by the change as soon as possible. All of this will help minimize possible slow downs during a claims process.

 

 

 

 

 

 

Admin. Hurricane Season & Travel Insurance. Web blog post, Insuring your trip. insuremytrip. 12 May 2017. 

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