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Travel Insurance during hurricane season….is it too late?

Hurricane SymbolThe Atlantic hurricane season is active this year, and for those traveling (especially on cruises) you need to be aware of what coverage you may have on travel insurance. Most beaches and tourist attractions begin to close a few days before forecast landfall if it is going to be a category 3 (sustained winds of 111-129 mph). The highest is category 5 with sustained winds over 136 miles per hour.  The danger is not just the wind but also the torrential rainfall that accompanies hurricanes (especially if it is slow-moving).

And, of course, if you are booked on a cruise the itinerary could likely be changed, but that should be covered by the cruise lines.  However, if the cruise  does go ahead (perhaps with some port substitutions) and you simply cannot get to the point of departure due to the hurricane, then you will wish that you had taken out travel insurance, because the cruise line will almost certainly not refund your money.

Many travel insurance policies include coverage for hurricanes that impact travel, as long as the policy was purchased before the storm was named.

Travelers who had a policy in place prior to the naming of the storm including Trip Cancellation and Travel Delay, may be protected in event of cancellation.

If it was purchased after that point, it won’t cover hurricane-related travel changes, said Steven Benna, a marketing specialist with travel insurance comparison website Squaremouth.

The Hurricane Lane Travel Insurance Information Center explains coverage related to the storm.

This database is regularly updated by Squaremouth’s travel insurance experts with answers frequently asked questions, official provider position statements, travel alerts and notices, and other information as the storm develops. Information is subject to change at any time.

Many airlines will offer to waive change fees, etc. so if you have booked air it is best to check with the airline.

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