As the Atlantic hurricane season picks up, travelers looking to protect their summer vacations should consider the value of travel insurance. Whether you’re just starting your insurance search or narrowing down the best options, understanding how travel insurance works during hurricane season can help you make informed decisions. According to the U.S. Travel Insurance Association (USTiA), here are three important things to know before you buy coverage for your trip.
1. Travel Insurance Offers More Than Just Trip Cancellation Coverage
Travel insurance isn’t just for trip cancellations. In fact, it can offer a wide range of benefits that protect you before, during, and after your trip. If your travel plans are interrupted, for example, you may be reimbursed for expenses to return home. Delays caused by covered events might also qualify for reimbursement for additional expenses. In addition, policies can cover emergency medical treatment, emergency transportation, lost or delayed luggage, and provide 24/7 travel assistance. Before purchasing a plan, take the time to read the policy details or check the provider’s website to understand the full scope of coverage offered.
2. Timing Is Crucial When Purchasing Travel Insurance
The timing of your insurance purchase plays a significant role, especially when it comes to hurricanes. Once a storm is named, it’s no longer considered an “unexpected” event by insurers. If you buy travel insurance after a hurricane has been named, cancellations or disruptions caused by that storm will likely not be covered. To ensure you’re protected, it’s best to purchase travel insurance at the time of booking, well before a storm develops. Keep in mind that hurricane season lasts until November 30, so it’s important to plan early.
3. Understand the “Covered Reasons” in Your Plan
Each travel insurance policy includes a specific list of “covered reasons” for which a claim can be filed. These reasons might include cancellations due to severe weather, mechanical breakdowns, or even family emergencies. Policies can also cover disruptions caused by strikes, terrorism, or job loss. If you’re traveling during hurricane season, check your policy to confirm that it covers cancellations or interruptions caused by hurricanes or other severe weather. Some plans even offer additional coverage options like “hurricane warning coverage,” which protects you if a destination is under a hurricane warning—even if the storm doesn’t make landfall. For maximum flexibility, consider a “Cancel For Any Reason” plan, which allows you to cancel your trip for any reason and get reimbursed for a portion of your expenses.
Final Thoughts
When choosing a travel insurance plan, it’s essential to factor in the specifics of your trip—such as your destination, the activities you plan to do, and your desired level of coverage. Most policies offer a cancellation window (typically 10–15 days after purchase) during which you can review and cancel your plan for a full refund. By understanding the details of your coverage and purchasing early, you can ensure your peace of mind during hurricane season and throughout your travels.
