travel insurance masterHurricanes and adverse weather can easily put a damper on your travel plans, and without travel insurance, you can be left out in the cold! Find out what benefits to look for and how travel insurance works in these types of unfortunate situations you'll definitely want to be prepared for.
Considering the weather is one thing you cannot control, it's certainly one of the top reasons to purchase travel insurance! Did you know hurricanes can only have their paths predicted 3 to 5 days in advance? Your vacation was surely planned much further out than that, so if you're traveling during hurricane season, you'll want to ensure you have the right coverage!
Hurricane Season of 2024 runs from June 1 to November 30th, and although you cannot stop a hurricane, you can protect your travel investment of your prepaid, non-refundable trip costs with travel insurance! Just remember, your plan must be purchased prior to a storm being named. Once a storm is named, travel insurance is usually not available for hurricanes.
If your destination is impacted by adverse weather, you’ll be happy to have purchased travel insurance with the Hurricane and Weather benefit. In the event of a travel delay, you may be eligible for reimbursement where the delay is due to a number of events, including a natural disaster or adverse weather. To receive reimbursement, the travel delay must generally have been longer than a certain number of hours (for example, longer than 6 hours), and reimbursement may only be sought for reasonable additional expenses incurred by you.
It's simple to filter by this specific benefit and many others when you request a free quote and shop and compare plans on TravelInsuranceMaster.com. After entering your trip and traveler details, look for the filters on the left hand side of the results page. Our smart algorithm will get to work to find you the very best plan and value too!
If the weather related delay caused you to miss your cruise or tour, Missed Connection Coverage may help. Provided the circumstances fall within the scope of that coverage (bad weather, accident, etc.), you can seek reimbursement for the costs you incur to catch up to your cruise. Study your plan thoroughly so you understand what is covered and what is not. Then be sure to arrange for plenty of time between your plane’s scheduled arrival and the cruise ship’s departure hour. If poor weather is likely during the season you’ll travel, you may want to keep in mind the possibility of arriving at the city of your ship’s departure a day or two in advance.
The Trip Cancellation or Interruption benefit will also help in case a hurricane does ruin your trip. If your home or your accommodations become inaccessible or uninhabitable due to fire, flood, earthquake, hurricane, or other natural disaster, you may be able to make a Trip Cancellation or Interruption claim. See your specific plan for coverage details.
In any comprehensive travel insurance policy, your trip cancellation coverage comes with a list of acceptable excuses known as “covered reasons” — any of which you may use, but need to prove in order to use them for reimbursement. The list includes the standard reasons anyone might have for canceling a trip, such as attending a family member’s funeral, coping with an unexpected blizzard, or experiencing a sudden illness. Read your plan carefully to size up what your provider will cover.
If you need to be totally free to change your plans without much penalty, consider a CFAR (Cancel For Any Reason) optional benefit. You’ll need to meet their requirements (such as canceling no later than 48 hours prior to your planned departure), and you may only be able to recover an amount between 50% and 70% of your costs. That is certainly a significant savings — well worth it if you have to cancel. The main benefit here is that if you suddenly feel nervous about making the trip, you are not locked in. Again, be totally clear about all the requirements and stipulations involved so you can make the right insurance purchase.
While Trip Interruption will not cover you in every situation that could cut your trip short, you will find that the coverage is still worth having. Check to see if it is part of your comprehensive travel insurance package. If it is, make yourself familiar with the acceptable “covered reasons” where it’s possible to interrupt your trip and be reimbursed for your already-paid, nonrefundable expenses —versus reasons that fall into the “exclusions” category.
The next few months are always a fun time to travel! Don’t let the unexpected like a hurricane get in the way of your next adventure. Visit TravelInsuranceMaster.com and let our trusted smart algorithm get to work to recommend the best plan and value for your trip. Shop and compare, select and purchase a plan, and receive it straight to your email in minutes! Protecting your vacation has never been easier with Travel Insurance Master.
