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 – 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.
One exception is that TravelSafe allows you to cancel your trip within 24 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 15 days following the effective date of coverage for your plan.
- 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 not, call us at 1-888-407-3854 and we’ll help you figure it all out.
Technorati Tags: hurricane, bad weather, travel, travel insurance, trip insurance, cruise, cruises, cruise insurance, trip cancellation
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