I always recommend travel insurance for my clients because it provides them with peace of mind. During hurricane season, there is always an increase in polices to cover travelers during these unfortunate circumstances. Although hurricane season is from June 1 until November 30, it’s a good idea to have it anytime you go on vacation.
There are a variety of travel insurance providers such as Travel Safe, Travel Guard and Allianz Global, who will provide you with policies that will reimburse you if your trip is cancelled or cut short. They also have policies that will cover medical expenses, lost baggage, trip delays, evacuation and more.
What you may not know is that travel insurance is for unforeseeable occurrences. “Travel insurance is designed to offer protection against sudden and unforeseen situations and events,” says Allianz Global. “When a hurricane (or any storm) becomes a named storm, it also becomes a ‘foreseeable event’ with known potential to affect your travel. If you buy travel insurance after a storm is named, your plan won’t provide coverage for storm-related claims.”
In order to cover you from an unforeseen event, it is important that your purchase travel insurance at the time of booking. The National Oceania and Atmospheric Administration (NOAA) naming a hurricane is the cutoff point for travelers having their trips protected.
Travel Safe’s Classic and Classic Plus plans allow a client to cancel within 36 hours of departure date if the destination is under an NOAA hurricane warning, provided the cancellation happens 14 days or more from the policy’s effective date.
The most asked questions from travelers during hurricane season is there trip cancellation and financial default. Travelers must keep in mind that if a destination is not considered uninhabitable, a traveler can still cancel if they feel that the state of the destination isn’t amenable to a pleasant vacation. It is important that the traveler review their policy and have a crystal-clear understanding prior to making that choice. Some travel insurance have a “cancel for any reason” policy but they have clauses that will prevent travelers from just purchasing the insurance and then immediately cancelling the vacation to get a reimbursement.
Bottom line, make sure you purchase travel insurance at the time of booking. Also, read over your policy and know your inclusions and exclusions. Last, always have a copy of your policy with you on vacation. It’s better to have a hard and digital copy.