How Does Travel Insurance Work During a Hurricane?
For the first time in more than 100 years, Americans are eyeing the very real and potentially devastating possibility that the United States will be struck by back-to-back Category 4 (or higher) higher.
For those who do not know, hurricane season usually occurs during the months of early June through late October. If you are planning a trip during these months, travel insurance is a must, however it is important to know how your Travel Insurance works or what is covered if a hurricane wrecks your plans for a much needed getaway. If you are facing extreme weather or a hurricane during your trip keep these things in mind.
Travel insurance is designed to offer protection against sudden and unforeseen situations and events. Once a hurricane (or an extreme storm) becomes a named storm, it becomes a foreseeable event with known potential to affect your travel. If you buy travel insurance after a storm is named, your plan will not provide coverage for storm-related claims.
Travel Insurance and Flight Delays
When it comes to flight delays, sitting in an airport for hours--or even days could make even the most patient traveler decide to give up and head home. But don’t do it. You must have lost at least half of your scheduled trip due to a travel delay and you must have shown a good-faith attempt to try to get to your destination before insurance will even consider covering you.
Travel Insurance for Cruise Passengers
If you are flying to a cruise port to go on a cruise, travel insurance will likely not cover your cost if you decide to change your trip before your cruise line cancels the itinerary. If the cruise line changes your itinerary at the last minute due to inclement weather, you must accept the change, As long as the new itinerary has the same “value” as your original itinerary, your insurance company doesn’t consider that you have suffered a “financial loss”.
Travel Insurance and Uninhabitable Hotels
Your insurance will protect you if you need to change hotels because weather damage made the property uninhabitable. However, keep in mind, what annoys you might not necessarily be classified as uninhabitable by the insurance company. If construction is going on at the property, or if the beach has suffered damage, for example, but the hotel can still accommodate you, it is unlikely you will be reimbursed if you decide to change hotels.
It is important to know if your hotel proves to be uninhabitable or if it is evacuated be sure you have the proper documentation from the hotel.
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Audrey Hyman is the owner and CEO of the Hyman Travel Network, a full service travel agency located in the suburbs of Washington, that specializes in cruises and all inclusive vacations