On Tuesday, October 20th, Tropical Storm Patricia officially formed in the Pacific Ocean, and has since strengthened to hurricane status. As Patricia approaches Mexico with 200 mph winds, travel plans may be disrupted. Don’t rush out to buy travel insurance now to cover Patricia as MH Ross plans do not provide coverage for a storm that was already named prior to the purchase of travel insurance. In this case, policies purchased on or after October 20th, 2015, will not cover losses related to Patricia.
Policies purchased on or before October 19th, 2015, may have coverage for this storm. Following are some general guidelines regarding the various coverages available:
Trip Delay – If your plan includes a travel delay benefit, additional meal and accommodation expenses may be reimbursed up to the amount provided by the plan if you have left home and travel is delayed 6 hours or more due to flight delays or cancellations. Please refer to your policy documents for complete details.
Missed Connection – Many plans include the missed connection benefit if your flight is delayed for a specified period of time. This benefit can reimburse unused land and water arrangements and additional transportation to catch up to the trip. For more details, please review your plan documents.
Trip Interruption – Many of the plans we offer cover you if your flight arrangements are disrupted due to the storm and you must leave or return later than originally scheduled. To be certain that you have this protection, please review your plan certificate or call MH Ross.
Trip Cancellation – Should your flight be delayed or canceled due to Patricia, most plans will cover cancellation penalties if you are not able to travel for a specified period of time, which varies from plan to plan. Most plans also cover you if your destination is officially declared uninhabitable due to the storm. Some policies may also cover you if your home or work place is made uninhabitable, and others include a hurricane warning provision, allowing you to cancel your trip if your destination is under an official hurricane warning issued by NOAA. Please read your policy certificate for specific information.
Please contact MH Ross with questions. Agents are available 24/7 and happy to help.