Tropical travel to the sun-kissed shores of Florida, Mexico and the Caribbean is a tempting proposition for many Americans this summer, despite the hurricane warnings.

But with travel insurance, the disruption to your air travel plans will at least be limited should the predictions from the National Oceanic and Atmospheric Administration come true, according to travel experts.

Travel insurance deals will typically set fliers back between just five and seven per cent of the cost of a vacation and should refund full flight fares and any reservations in the event of inclement weather conditions, or unexpected cancellations.

Additional expenses associated with an interrupted trip, such as temporary hotel accommodation, rebooking flights, loss or damage to belongings or a rented car, even medical costs, are all covered by a comprehensive travel insurance deal.

Expounding the benefits of such a policy, US Travel Insurance Association spokesman Jon Ansell told the Associated Press that a 24-hour hotline should also come as standard.

Once a hurricane is on the horizon, it will be too late to secure travel insurance and airlines are “not going to allow passengers to just change reservations because of a remote possibility that a hurricane could be near”, said Air Transport Association spokesman David Castelveter.

Lining up suitable cover before traveling is the only way to mitigate these circumstances, the Associated Press concludes.

Contributed by J.Bevan