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    Travel Insurance for Safety in Severe Weather

    Travel Insurance for Safety in Severe Weather

    Travelers concerned about severe weather should purchase travel insurance early.

    According to travel insurance comparison site InsureMyTrip, now that Hurricane Hector is considered a foreseeable event, travel insurance coverage will no longer be available to cover losses related to that storm.

    For those who did purchase travel insurance prior to Hector forming — here are some examples of how travel insurance may enable travelers to receive reimbursement of pre-paid, non-refundable trip costs if they must cancel a trip due to severe weather-related issues that are covered under the trip cancellation benefit.

    How Travel Insurance Coverage May Apply

    My flights are grounded because of a hurricane.

    Many plans will cover a traveler when common carriers such as airlines and cruise lines cease service due to weather. The cessation of services must be for a certain number of hours, usually 24-48.

    My resort is in the path of a hurricane.

    A few plans will cover a traveler when the traveler’s destination is under a NOAA-issued hurricane warning.*

    A hurricane damaged my hotel or resort.

    Many plans will cover a traveler when a hotel, resort, or vacation rental is devastated and made uninhabitable by a storm.

    A hurricane damaged my home.

    Many plans offer coverage when the primary home of a traveler sustains destructive storm damage that renders the home uninhabitable.

    I changed my mind.

    For the opportunity to cancel a trip for reasons other than those listed as “covered reasons” on a policy, a traveler may consider Cancel For Any Reason (CFAR).

    CFAR is an optional time-sensitive benefit available on some plans that allow a traveler to cancel a trip for any reason, up to 48 hours prior to the scheduled departure. Reimbursement is usually 50-75% of the prepaid, non-refundable trip cost.

    A traveler must meet specific eligibility requirements and purchase CFAR within 14-21 days of making an initial trip payment or deposit.

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    by The Editors Of The Fox Magazine Time to read this article: 4 min
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