The Atlantic Hurricane Season is officially from June 1 to November 30 each year. Because of the many possible disruptions bad weather can cause for travelers, it's always a good idea to consider whether or not you may need travel insurance coverage if you're planning a trip during this time of year. Even travelers who aren't going to a hurricane-prone destination may need insurance to protect them from delays or damages.
Top Tips for Travel Preparedness During Hurricane Season
- Plan Ahead. If you're traveling during the official season, consider buying travel insurance as soon as you book your trip. This will give you access to the greatest number of options, as well as help you secure coverage before anything happens.
- Understand the "Unforeseen." Travel insurance generally only covers "unforeseen" events. In other words, if you see on the Weather Channel that a tropical storm is brewing near your destination, it's already too late to purchase travel insurance.
- Know Your Options. A Cancel For Any Reason (CFAR) policy may be a good investment during hurricane season. CFAR offers greater flexibility to travelers in choosing to cancel their plans, which can be extremely helpful when there's unpredictable weather to content with.
- Ask lots of questions. We don't mind. The better educated you are, the happier you'll be with your purchase.
What to Ask When Buying Travel Insurance for Hurricane Season
- What will happen if my destination is made uninhabitable by a storm?
- What if my own home is damaged by a storm, and I don't want to leave on a trip without repairing it?
- What about delays and cancellations on both ends of my itinerary?
- Is there any insurance policy available to me that will allow me to cancel my trip because of a hurricane warning?
- Can I get Cancel For Any Reason coverage? Would it be wise for me to do so?
- If I have to interrupt my trip because of bad weather, what kind of insurance will cover the cost of my missed travels?
DO I NEED TRAVEL INSURANCE FOR HURRICANE SEASON?
Because of the many possible disruptions bad weather can cause for travelers, it's always a good idea to consider whether or not you may need travel insurance coverage if you're planning a trip during this time of year.
Consider the following questions to determine if you need travel insurance for hurricane season:
- Are you planning to travel between June 1 and November 30?
- Are you traveling to or through any destination on the East Coast of the United States, or in the Atlantic region?
- Do you live anywhere on the East Coast of the U.S., or in the Atlantic Region, or does your flight originate there?
If you answered yes to any of the questions above, here are key trip cancellation and trip interruption benefits that may be included with a comprehensive plan:
|Coverage for NOAA Hurricane Warnings|
|Coverage for extended delays/cancellations|
|Coverage for mandatory evacuations|
|Coverage if your home or destination becomes uninhabitable|
You may not need coverage for hurricanes, but you should definitely consider purchasing travel insurance to protect yourself against other unforeseeable situations that may arise as well as baggage loss or delay, and medical expenses, just to name a few.