Closures & Delays: Can’t Get There From Here

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When asked what the most common concern of travelers might be, during Hurricane Season, most of our reps immediately answered; “They’re worried that they can’t get where they’re going.”  Inclement weather can, of course, close airports and other travel hubs, or cause a domino-effect of delays and cancellations rippling outward from affected cities and wreaking havoc with the plans of travelers even in areas with clear blue skies.  During Hurricane Season, it’s not hard to understand why travelers would be somewhat nervous about getting from Point A to Point B, or at least getting there in a timely fashion.

If  you’re concerned about hurricanes affecting the travel forecast in your city of departure, your destination city, or really, anywhere — that ripple effect is a tough reality of air travel — then travel insurance is one of the best investments you can make.  We suggest you become familiar with these types of coverage:

Trip Cancellation: This coverage, which is included in all of the package policies sold on, will help you recoup any pre-paid, nonrefundable expenses related to your trip if you cancel your plans due to a delay of 24-48 hours or more (make sure you understand what the specific time frame is for the policy you choose).

Trip Delay: Again, this protection is included in our package policies, and allows you to file for reimbursement of unexpected expenses you might incur as a result of a shorter (but still significant) delay– usually 6 hours or more.  If you need to purchase meals, for example, or pay for overnight lodging to avoid sleeping on the airport benches, travel delay coverage can help cover those incidental costs.

Of special concern is the possibility that your home or destination – -and logically, your travel plans — might be damaged by storms.  While many policies do state that a home or destination rendered “uninhabitable” by a hurricane would be a covered reason for cancelling your trip, we also urge travelers who are especially concerned about this possibility to look into CFAR.  CFAR, or Cancel for Any Reason coverage, would allow you more flexibility to change your plans as you see fit.  In some cases, minor storm damage to your home or destination might mean that you’re uncomfortable traveling, but may not meet the definition of “uninhabitable.”  If you happen to have purchased CFAR, you’d be able to cancel and receive reimbursement for your travel expenses in that scenario, while you may not receive the same benefit from a standard package policy.

It’s understandable for travelers to feel nervous about making plans during Hurricane Season, but the good news is that most of the major concerns you probably have can be addressed with a simple purchase: the right travel insurance policy for your needs.  We encourage you to speak to one of our licensed Customer Care Representatives, who can assist you in finding that policy, so you can secure your travel plans with confidence.

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