How to Buy Hurricane Travel Insurance

27.07.2023 - 17:58 / smartertravel.com

Booking a tropical Caribbean or seaside vacation during hurricane season is always something of a gamble. The statistical chances of a hurricane impacting your trip are rather slim, but certainly not zero. And while some years are quiet, with only a handful of named storms threatening tourism areas, overall the trend appears to be heading toward an increase in hurricane intensity.

Understandably, this might have you considering hurricane travel insurance for your next trip to a hurricane-vulnerable area. But there are a few things you should know before buying coverage.

As with all forms of insurance, hurricane travel insurance typically protects you against hurricanes that could happen. If you wait to buy coverage until a hurricane appears imminent, has formed, or has been named, insurance companies can claim the storm in question was a “foreseeable event,” which is ineligible for coverage. Every insurance policy is different—some stipulate that you must purchase coverage 24 hours prior to the storm being named, while some require you to purchase even sooner.

Bottom line: Don’t wait until the storm is barreling toward your destination. If you’re traveling to a potential strike area during peak hurricane season, buy insurance well in advance.

The Ultimate Guide to Travel Insurance

It’s no secret that insurance companies load their policies with fine print. Hurricane travel insurance is no different. Travel insurance providers have very particular parameters for what “counts” as a hurricane, at least in terms of covering customers. The threat of a hurricane usually isn’t enough to qualify—the hurricane has to directly impact your travel.

Insurance provider Travel Guard explains that if the hurricane “prevents your travel or directly affects your accommodations, you may be entitled to Trip Cancellation or Trip Interruption benefits.” However, making an independent choice to cancel in anticipation of inclement weather is not covered. For example, unforeseen storm damage to your accommodations prior to departure may be covered by your plan (“subject to the terms of the insurance policy”), but a choice to cancel your reservation in anticipation of potential damage would not qualify.

Hurricane travel insurance plans (and most travel insurance plans) typically cover three primary scenarios, with different levels of coverage: Advance cancellation, trip interruption, and delay. Each is fairly self-explanatory, but cancellation covers the full cancelling of your trip prior to departure. Trip interruption covers your losses for the unused portions of a trip cut short by a hurricane, plus transportation expenses