Last Updated: 11/23/16

Hurricane Otto was first named a tropical storm by the National Hurricane Center on November 21, 2016.

Many travel insurance policies include coverage for hurricanes and tropical storms that impact travel. Travelers who had a policy in place prior to November 21, 2016 may have coverage for Hurricane Otto, including Trip Cancellation and Travel Delay.

You must have purchased a policy before November 21, 2016 to be eligible for coverage for Hurricane Otto.

Typically the hurricane must significantly impact your trip to trigger cancellation coverage — such as rendering your accommodations uninhabitable or significantly delaying your flight to your destination.

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FAQs

  • What types of current events are covered by travel insurance?
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    Travel insurance can cover unforeseen events, including terrorist attacks, inclement weather and natural disasters.

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  • If there is a storm, when can I no longer be covered by travel insurance?
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    You can only be covered for a storm if you purchased your travel insurance policy before the storm was named.

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  • Am I covered if I miss my connecting flight?

    You can be covered if you miss your connecting flight for a covered reason.

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  • Am I covered if I get bumped from an overbooked flight?

    Travel insurance will not provide coverage if you are bumped from an overbooked flight.

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  • Am I covered if I miss my flight because of long security lines?

    Travel insurance will not cover you if you miss your flight due to security delays.

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  • What if the roads are bad and I don’t want to travel?

    Choosing not to travel because the roads are bad is not a covered reason to cancel your trip, although some policies may provide coverage if road closures prevent you from traveling.

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  • How long do I need to be delayed to trigger coverage?

    Typically, you must be delayed at least 3-12 hours for coverage to begin, depending on the policy.

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  • What do I do if my flight is delayed or canceled due to bad weather?
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    If your flight is delayed or canceled due to inclement weather, you can contact your provider’s 24-Hour Emergency Assistance department to receive help.

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  • See all 10 FAQs
  • Can I cancel my trip due to a winter storm or blizzard?
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    You may be covered to cancel your trip if a winter storm or blizzard seriously impacts your travel and you had a policy in place before the storm was named.

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  • Can I cancel my trip if I don’t want to travel in bad weather?

    Fear of traveling during bad weather is not a covered reason to cancel a trip on a standard travel insurance policy.

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