Travel Insurance and Hurricane Coverage

by Steve Dasseos, The Trip Insurance Guru on July 15, 2010

Will your travel insurance plans give me back 100% of my money if there is a hurricane? Vickie

Hi Vickie,

The short answer is “no, travel insurance plans will not give you 100% of you money back if there is a hurricane”.

Having said that, depending on how a hurricane affects your trip determines if your trip cancellation travel insurance will give you any of your money back.

It’s possible to have a claim paid for a trip cancellation due to a hurricane. However, unless the hurricane was right at your cruise’s departure port, it’s more likely you will have a travel delay and fly to get caught up to your cruise.

Here are the coverages most likely to be triggered by a Hurricane:

  • Missed Connection en route to cruise or tour – you are delayed at least 3 hours and you miss a connecting flight
  • Travel Delay – you are delayed at least 5 – 12 hours (depending on the plan) and you have to stay overnight
  • Trip Cancellation – you have to completely cancel your trip. Bad weather cancellations require a 24 hour shut down of common carrier services.
  • Trip Interruption – you are forced to evacuate and return home early from your trip

Trip Cancellation / Interruption for bad weather is different from going to Cancun and having it rain the whole time. You won’t have much fun, but unless the bad weather completely prevents you from getting there, you won’t have a valid claim.

By the way, I even have a special page just for Bad Weather Coverage where I cover it in more detail.

I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we'll help you figure it all out.

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