The number one concern of summer travelers is trip delay, interruption or cancellations due to hurricanes or other severe weather events. When traveling during hurricane season, you must plan for the unexpected. If you wait to purchase your insurance until after a severe storm has been predicted and mapped on radar, there will be no coverage for delays, cancellation or interruption due to that storm. It is best to purchase a travel insurance plan prior to the threat of any inclement weather.
Planning ahead for the possibility of travel disruptions is the best way to protect the cost of your trip. While we recommend purchasing comprehensive travel insurance during hurricane season regardless of your destination, here are some guidelines if you will be traveling to an area that is known to be high risk for hurricanes:
DO I NEED TRAVEL INSURANCE FOR HURRICANE SEASON?
- Are you planning to travel between June 1 and November 30?
This is the framework for hurricane season in the Atlantic region. If you are traveling at all during these days (even just returning from a trip in early June), we highly recommend you purchase a plan. It can protect you from an added costs from extended stay due to grounded flights or an interrupted trip due to damage of your primary residence.
- Are you traveling to or through any destination on the East Coast of the United States, or in the Atlantic region?
The Atlantic region (or East Coast of the United States or Caribbean) is the prime area for hurricanes. The most impactful hurricanes in the last decade hit the mid-Atlantic region of the United States east coast, the Texas, Florida, Alabama and Louisiana coastlines; twice. Travelers need to be prepared whether they travel here, around here or live here and leave the area.
- 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 live in the area where hurricanes are known for tormenting, travel insurance can help you out – even if you are leaving the area entirely. If you are on a trip away from home when a hurricane hits and your primary residence is severely damaged, your plan may provide trip interruption coverage which may help to defray the cost of returning home and provide reimbursement for unused pre-paid non-refundable trip costs. If your flight for part of your trip originates in this area, you will want a plan that helps to cover trip delays; it may even help you to meet your next connection.
If a travel insurance plan is purchased with enough foresight, you and your travel companions may be eligible for extra time-sensitive benefits. These typically become unavailable after 10-20 days from the date of your first payment on your trip. While time-sensitive benefits are added protection, a comprehensive plan from an InsureMyTrip travel insurance company can give you a strong level of protection.
Here’s a look at what a comprehensive plan can do for you if a hurricane hits while you are on your trip.
BUYING TRAVEL INSURANCE FOR HURRICANE SEASON
When is it too late?
You probably know that buying travel insurance to protect your trip during hurricane season is a smart idea, but did you know that once a storm has been named, it may be too late to buy some of the benefits you really need? This coverage chart shows why we recommend buying your travel insurance before a storm threatens your plans.
|Coverage for NOAA Hurricane Warnings|
|Coverage for extended delays/cancellations|
|Coverage for mandatory evacuations|
|Coverage if your home or destination becomes uninhabitable|