Bad Weather and Natural Disaster Coverage

This is important – While anyone will sell you travel insurance at the last minute, claims under bad weather coverage from known events are not covered. If you’re traveling soon and bad weather is forecast or known, you will not be covered for bad weather if you’re getting your travel insurance today. That’s because the bad weather isn’t an unforeseen event.

Here’s An Overview of Missed Connection Coverage

“Missed Connection” provides reimbursement for the additional costs to “catch up” to a cruise or tour if the cause of delay is a carrier-caused delay or documented weather condition. “Missed Connection” only pays costs at the final trip destination and not if you miss a connection before you arrive there. Read the policy wording carefully since “Missed Connection” doesn’t mean exactly the same thing from company to company.

I suggest you read the policy wording carefully since the phrase “Missed Connection” doesn’t mean the same from company to company. One company states: “coverage will not be provided to individuals who are able to meet their scheduled departure but cancel their Trip due to Inclement Weather.”

Here’s An Overview of Trip Delay Coverage

Trip Delay is reimbursement for meals and accommodations that you might incur if your trip is delayed for a covered reason. Trip Delay can happen at anytime throughtout the trip.

For example, you’ll be reimbursed up to the daily limit for meals and accommodations (to the policy maximum) if your departure is delayed for more than the number of hours required for a covered reason during your trip.

Here’s An Overview of Trip Cancellation Coverage

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 prevents you from getting there, you won’t have a payable claim.

Something else that’s important is that if you see a hurricane bearing down on your destination, you can’t cancel your trip. Your airline or supplier has to be the party who cancels. Here’s some more pertinent information.

• Some time later you go to a destination that was adversely affected by the storm. If the place is inhabitable, but isn’t what you expected or there are damaged facilities, travel insurance won’t cover you. It’s the responsibility of the travel supplier to make any adjustments.
• Travel Insured Worldwide Trip Protector and Plus plans’ Trip Cancellation Benefit covers: A cancellation of Your Trip within 48 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;
• TravelSafe Classic’s Trip Cancellation Benefit covers: A cancellation of the Insured’s Trip within 36 hours of the Insured’s Scheduled Departure Date and time if his or her Trip destination is under a Hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of the Insured’s Trip occurs more than 15 days following the Insured’s effective date of coverage for the Trip Cancellation Benefits.

Here’s An Overview of Trip Interruption Coverage

• You are forced to evacuate by the authorities.
• You can’t get out and are forced to ride out the storm.
• Your cruise line substitutes a destination to avoid a storm: You won’t have a payable claim because you still got to take the cruise.
• Some time later you go to a destination that was adversely affected by the storm. If the place is inhabitable, but isn’t what you expected or there are damaged facilities, travel insurance won’t cover you. It’s the responsibility of the travel supplier to make any adjustments.

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