Saturday, September 24, 2022

Does Travel Insurance Cover Tropical Storms

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How Much Does Hurricane Travel Insurance Cost

Hurricane Fast Facts: Understanding Insurance Policies

As with any type of insurance, the full cost of your hurricane travel insurance policy will depend on the cost of the trip, the number of travelers, and how comprehensive the coverage is.

As a general rule, you can expect to pay anywhere from under 4% to over 10% of your total trip cost. The best way to find a cost-effective policy for your trip is through a comparison site. That way, you can set the minimum coverage requirements that you want from a travel insurance policy and compare all of the plans that offer that coverage side-by-side.

Youll be able to read the fine print on each policy to make sure that hurricanes are listed as a covered reason under your trip cancellation and interruption policies.

To get the best rates and the most comprehensive coverage on travel insurance, compare plans on TravelInsurance.com today.

Cancellation Vs Interruption Vs Delay

The same goes for trip interruption coverage. If you choose to leave because youre worried about an actual hurricane heading roughly in your direction, your policy will likely not take effect. For example, Travel Guard says Trip Interruption takes effect if and when you are forced to evacuate your hotel/resort due to an imminent strike. The same goes for trip delay coverage: Your provider must postpone all services for a short period of time.

Bottom line: You dont get to decide when your insurance kicks in, so you need to understand exactly how your policy defines your coverage threshold.

Coverage Alerts Faq: How Does Travel Insurance Cover Storms And Strikes

Big storms and labor strikes are two things that can suddenly, unpredictably derail your travel plans, possibly leaving you stranded far from home. Customers often ask us if their travel insurance plan can cover losses related to strikes and severe storms. The answer is yes but details and dates matter. Here are answers to some common questions about severe storm and strike travel insurance coverage.

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Travel Insurance Coverage For Hurricanes

Lets 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 its way to the Caribbean Islands, youre 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:

When Should I Buy Travel Insurance For A Hurricane

Cyclone Eloise storms in with gusting winds

The best time to buy travel insurance to receive protection from hurricanes is as soon as you make your first trip payment. This will help ensure you are protected from unforeseeable events such as hurricanes that have yet to occur. Once a hurricane is a named storm, it becomes a foreseeable event. This means you can no longer purchase travel insurance and receive coverage for that storm.

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What Does Hurricane Travel Insurance Cover

Although hurricane travel insurance only comes into effect in specific cases, the situations that it does cover are fairly extensive in the event of a serious natural disaster at your destination or at your primary residence. Here are a few situations in which you may be covered:

A hurricane hits your destination before your trip.

Sometimes, the impact of a hurricane is so severe that you have no choice but to call off the trip altogether. If hurricanes are listed as a covered reason under your trip cancellation policy, then you can be covered for 100% of nonrefundable costs in the event that:

  • Your destination is under a hurricane warning or mandatory evacuation order
  • Your accommodation is declared uninhabitable, even if the danger has passed
  • Your cruise or flight has been canceled or significantly delayed
  • Your local or destination airport has been closed

In some cases, your hotel or airline may have their own natural disaster policies, in which case they may provide you with a refund for a portion of your trip. If they dont, your travel insurance policy will reimburse you for 100% of these non-refundable costs, including any flights, tours, and accommodations that youve paid for in advance.

This kind of coverage can be useful even if you arent flying to a far-off destination. Hurricanes can impact ferry routes, railway lines, and even road and bridge access to your destination.

A hurricane hits your destination during your trip.

A hurricane hits back home.

Preparing To Deal With A Hurricane Stay Flexible

Ideally, besides buying appropriate trip cancellation coverage, if you are heading into a storm-prone area, put down as small a deposit as possible to hold down your trip reservation. Place the deposit on a credit card , and consider maintaining travel flexibility by driving to your chosen site if possible.

Its true that most airlines flying into storm-affected areas will waive rebooking or rerouting fees. But who wants to be stuck in an airport for several hours or days?

You can take better control of your vacation by fully understanding what your travel insurance can do, and what it cant do.

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Whats The Best Travel Insurance For Hurricanes

The best Travelex travel insurance plan for hurricanes is Travel Select.

With the Travel Select plan you can receive up to 100% of insured trip cost for trip cancellation and up to 150% for trip interruption in the event of a hurricane. This means if your insured trip cost was $5,000, you could receive up to $5,000 for trip cancellation and $7,500 for trip interruption for unused trip costs or newly incurred transportation expenses.

Travel Select also has trip delay benefit that can provide coverage in the event of a hurricane. If a hurricane causes you to be delayed for five consecutive hours and prevents you from reaching your destination you can receive up to $750 to cover additional expenses caused by your delay.

With Travel Select, the covered reasons for trip cancellation, interruption and delay due to a hurricane include:

  • you or a traveling companions primary residence becoming uninhabitable or inaccessible
  • your destination is made uninhabitable or inaccessible
  • you or your traveling companions company is deemed to be unstable for business and you or your traveling companion are directly involved on the disaster recovery team

When Should You Buy Your Coverage

The Weather Channel: Hurricane Season and Travel Insurance

When you buy your insurance is vitally important.

Before your trip, always check the Government of Canada website for travel advisories for information on the weather in the place you are going, to ensure the coast is clear.

Purchase trip cancellation/interruption insurance when you buy your trip not weeks or months later. Once the government issues a travel advisory or a storm is named, its too late to buy travel insurance to cover it.

Because hurricanes and tropical storms are notoriously unpredictable they can strengthen or dissipate overnight or change their predicted track it isnt until an official government warning for a given location is issued that a cancellation is justified.

For example, if you cancel a vacation just because a storm out in the Atlantic is predicted to possibly come ashore close to your chosen location, you need to check your policy or call your agent for advice before proceeding. If the storm changes direction and leaves the vacation property undamaged, cancellation benefits wont apply.

If, on the other hand, you are impacted by a hurricane while you are away, contact your travel provider to discuss options. Many airlines offer itinerary changes free of charge.

If you need assistance or details on your travel insurance coverage, call the number found on your travel insurance policy or wallet card.

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Hurricane Travel Insurance: When Should You Buy It And What Kind Of Policy Do You Need

Booking a tropical Caribbean or seaside vacation during hurricane season is always something of a gamble. The statistical chances of a hurricane impacting your trip are rather slim, but certainly not zero. And while some years are quiet, with only a handful of named storms threatening tourism areas, overall the trend appears heading toward an increase in hurricane frequency and intensity.

Understandably, this might have you considering hurricane travel insurance for your next trip to a hurricane-vulnerable area. But there are a few things you should know before buying coverage.

What Is Not Covered

A common reason a hurricane would not be covered by travel insurance is the timing. You must purchase your travel insurance plan prior to the hurricane becoming a named storm.

Additional reasons for a hurricane not being covered will vary depending on the specific travel insurance plan. When deciding between plans, its important to consider the covered reasons for trip cancellation, interruption and delay for each plan to make sure youre receiving the coverage you need.

If youre planning a vacation during hurricane season, weather can be unpredictable. It helps to know what to expect when traveling to hurricane-prone places like the Caribbean. Purchasing travel insurance early can help alleviate risk and provide peace of mind. If you decide to travel during hurricane season, be sure to review our hurricane safety tips before you go. Were here to help you every step of the way. Get a quote today.

Subscribe to the Smart Travels Newsletter to learn more about traveling easier, safer and smarter.

The product descriptions provided here are only brief summaries and may be changed without notice. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. Travel Insurance is underwritten by Berkshire Hathaway Specialty Insurance Company NAIC #22276

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How To Protect Your Home From High Winds

  • Talk to your homeowners insurance company to review your policy and discuss whether you have adequate coverage.
  • Repair and maintain your roof, like loose shingles and gutters.
  • Clear debris around your home and foundation, like tree branches and shrubbery.
  • If you have early warning of a storm, bring lawn furniture indoors and cover windows.
  • Ronda Lee is an associate editor for insurance at Personal Finance Insider covering life, auto, homeowners, and renters insurance for consumers. She is also a licensed attorney who practiced litigation and insurance defense.

    Is Shaping Up To Be The Most Volatile Hurricane Season On Record

    Tropical storm Dineo to bring heavy rain, flooding

    With travel restrictions being lifted each month, many U.S. travelers are looking to take vacations to the Gulf Coast, East Coast, and the Caribbean. Travelers to these destinations need to be aware that from now until November 30, 2021, is hurricane season in the Atlantic. This years hurricane season is shaping up to be the most volatile on record with headlines such as 2021 Atlantic hurricane season breaking records already, and many others.

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    You Gave Up On Your Trip Too Soon

    The day of Keith’s scheduled flight to France, a surprise winter storm grounds his connecting flight. After sitting in the airport for 12 hours, he gets furious and decides to cancel the whole trip. However, his trip cancellation insurance claim is denied.

    We know trip delays are aggravating. But don’t cancel your entire trip because of a short delay! To make a trip cancellation claim, your travel carrier must have been unable to get you to your original itinerarys destination for at least 24 consecutive hours from the originally scheduled arrival time.

    Keep in mind that your trip cancellation benefits can also help you get to your original destination another way! You can be reimbursed for the reasonable cost of alternate transportation, less available refunds and the cost of any lost prepaid accommodations caused by your covered delayed arrival, less available refunds.

    You may also be able to file a trip interruption claim if you miss at least 50% of the length of your trip due to a travel carrier delay or other covered reason.

    A Flood Of Fine Print

    Its no secret that insurance companies load their policies with fine print. Hurricane travel insurance is no different. Travel insurance providers have very particular parameters for what counts as a hurricane, at least in terms of covering customers. The threat of a hurricane usually isnt enough to qualify the hurricane has to directly impact your travel.

    Insurance provider Travel Guard explains that the hurricane must directly affect your travel arrangements or accommodations. For example: an airport is closed due to the high winds.

    On the other hand, if you choose to cancel a trip based on what you think might happen not because the inclement weather has directly affected your travel arrangements that would be considered a matter of choice, not a direct loss to your arrangements.

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    You Have To Buy Well In Advance

    As with all forms of insurance, hurricane travel insurance typically protects you against hurricanes that could happen. If you wait to buy coverage until a hurricane appears imminent, has formed, or has been named, insurance companies can claim the storm in question was a foreseeable event, which is ineligible for coverage.

    Every insurance policy is different: some stipulate that you must purchase coverage 24 hours prior to the storm being named, while some require you to purchase even sooner.

    Bottom line: Dont wait until the storm is barreling toward your destination. If youre traveling to a potential strike area during peak hurricane season, buy insurance well in advance.

    Hurricane Travel Insurance: How To Decide If Its Important

    Will Travel Insurance Help You During Bad Weather?

    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 cant 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 1st and November 30th?

    The Atlantic Hurricane Season runs from June 1st to November 30th each year. If you are traveling at all during these days , we highly recommend you purchase a plan. Travel insurance can help with things like reimbursement for additional expenses, up to the policy limit, for an extended stay due to grounded flights, or offer compensation for an interrupted trip due to damage of your primary residence.

    Are you traveling to, through, or from any destination on the East Coast of the United States, or along the Atlantic Coastline?

    The East Coast of the United States, the Caribbean, and the Gulf of Mexico are the prime areas for hurricanes. The most impactful hurricanes in the last decade have hit the mid-Atlantic region of the United States East Coast, and the Texas, Florida, Alabama, and Louisiana coastlines.

    Do you live anywhere on the East Coast of the U.S. or in the Atlantic Hurricane Zone?

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    If A Hurricane Is Predicted Can I Cancel My Cruise

    You’ve spent months looking forward to your five-night cruise in the Caribbean, but now a hurricane is threatening to dampen your fun. The cruise line hasn’t called off the trip, but the forecast is predicting a week of gray skies and rain. If you purchased travel insurance when you booked the trip, can you seek reimbursement if you cancel your cruise?

    No. However, if your travel carrier could not get you to your original itinerarys destination for at least 24 consecutive hours from when you were originally scheduled to arrive because of a hurricane or severe weather event, your travel insurance can reimburse you for pre-paid, non-refundable travel costs.

    What Types Of Policies Cover Hurricanes

    Hurricane travel insurance doesnt come as a standalone policy. Youll find it under the Weather and Natural Disaster section of your trip cancellation insurance. It may also be listed under your trip interruption coverage, travel delay coverage, and other parts of your insurance policy.

    The important thing is to make sure that hurricanes and natural disasters are specifically listed in your coverage. If your trip is cancelled because of a hurricane, but your policy doesnt cover natural disasters, then your hurricane travel insurance wont kick in.

    Another thing to keep in mind is that your travel insurance only comes into effect if the hurricane actually impacts your trip. You wont be able to make a claim simply because theres a storm on the way and you decide to stay home instead of getting on the plane.

    Your hurricane coverage is activated in specific circumstances, such as if your flight is canceled, your airport is closed, or your accommodations are rendered uninhabitable.

    If you want more flexible coverage including the option to cancel your trip at the first sign of a hurricane then youll need to get Cancel For Any Reason coverage. This allows you to cancel your trip for less severe impacts, such as concern that the beaches wont be as sunny and you wont enjoy your trip as much, even if your hotel and flights are operating as planned.

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    What Is Windstorm Insurance And Who Needs It

    Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective. Terms apply to offers listed on this page. Read our editorial standards.

    • If you live in an area where tornadoes or hurricanes occur, you may need additional insurance for windstorms.
    • Standard homeowners insurance covers damage from wind and hail, but it doesn’t cover high winds.
    • Windstorm insurance is in addition to homeowners insurance, not a replacement for it.

    Tornado and hurricane season is here, and if you live in an affected area, it pays to be prepared.

    Tornadoes can produce winds in excess of 300 miles per hour, and hurricane winds can be in excess of 200 miles per hour. Although wind damage is covered in standard homeowners insurance policies, if you live in coastal areas, “tornado alley,” or certain states where high winds are common, you may be required to get additional coverage for windstorm damage.

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