Extreme Weather

Hurricane Matthew – All Position Statements

Hurricane Matthew – All Position Statements

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Official position statements from Squaremouth’s travel insurance providers about coverage for Hurricane Matthew.

APRIL

Hurricane Matthew falls within APRIL’s guidelines, policy terms & conditions as inclement weather and natural disaster since the National Hurricane Center issued its first advisory on 9/28/16, at 15:00 UTC for what was then a “Tropical Storm” Matthew.

Policies purchased prior to 9/28/16 would provide coverage for the event. As of then, the event is no longer considered unforeseen, so it will not be covered. Terms and conditions may vary by program. Please refer to the actual policy.

Please note:

  • Trip cancellation and trip interruption benefits are not payable if a natural hazard (such as a brushfire, tropical storm, or hurricane) is named on or becomes foreseen before the effective date & time of the policy.
  • This guideline applies only to new policies that are effective on or after the event, and covering travel during such time. It does not apply to new policies that cover travel after the event has passed.

For more information on the status of Hurricane Matthew, please refer to http://www.nhc.noaa.gov/graphics_at4.shtml?5-daynl#contents.

In the event of an emergency or questions, please contact APRIL’s 24-Hour Assistance Department at:
24/7 Toll-Free Number (Inside the U.S. & Canada): 855-277-4587
24/7 Assistance Collect Call: 305-455-0307
Assistance Email: assistus@apriltravelprotection .com
Live Web Chat: Visit www.AprilTravelProtectio n.com
Skype™: assist_us

In the event of a claim, please contact APRIL’s Claims Department at 855-277-4587 or claims@apriltravelprotection.com. All claims will be adjudicated on their own circumstances and merits.

AXA Assistance USA

AXA Assistance USA is directly supporting customers affected by Tropical Storm Matthew.  For Travel Assistance, Evacuation or any other assistance please contact us at 1-855-327-1430 or ustravel@axa-assistance.us.

Please be advised that Tropical Storm Matthew falls within our guidelines, policy terms & conditions as inclement weather & potentially a natural disaster. The NOAA National Hurricane Center issued its first advisory this morning at 1500 UTC. Policies purchased prior to then may cover the event. As of then, it’s no longer considered unforeseen, so it will not be covered. For more information on the status of these storms, please refer to:

http://www.nhc.noaa.gov/graphi cs_at4.shtml?5-daynl#contents

Please note:

Ø  Trip cancellation and trip interruption benefits are not payable if a natural hazard (such as a brushfire, tropical storm, or hurricane) is named on or becomes foreseen before the effective date & time of the policy.

Ø  This guideline applies only to new policies that are effective on or after the event, and covering travel during such time. It does not apply to new policies that cover travel after the event has passed.

Ø  Terms and conditions may vary by program; please refer to the actual policy. All claims should be adjudicated on their own circumstances & merits.

For any questions or to receive assistance service related to this incident please contact us at 1-855-327-1430 or ustravel@axa-assistance.us.

Berkshire Hathaway

Berkshire Hathaway Travel Protection has been in contact with all our travelers affected impacted by Tropical Storm Matthew.

Depending on the BHTP policy purchased, travelers may be in eligible for coverage that interrupts travel plans. Our customers can contact BHTP at 844-411-BHTP to review the specific benefits of their policy.

CSA 

Tropical Storm Matthew formed on Wednesday, September 28th. Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 28th, 2016. Please contact CSA Travel Protection with questions.

GeoBlue

Tropical Storm Matthew formed just east of the Caribbean on the morning of September 28, 2016. Several forecast models suggest this storm will intensify and make a sharp turn to the north, putting the Gulf of Mexico and the East Coast at risk, along with Cuba, Jamaica, and Hispaniola. If these models are correct, the Storm will cross into the Caribbean where it will find an environment with low vertical wind shear, higher humidity and very warm water temperatures — all of which are ingredients needed for the winds to strengthen. According to the National Hurricane Center this storm could reach hurricane levels (winds of 74 mph) in the central Caribbean by Friday, September 30, 2016.

For assistance with these and any other benefits, please contact our customer service team. GeoBlue has dedicated multilingual resources available 24/7 for members in [affected area] who are in need of medical care and assistance. For assistance during a medical emergency, please call our Global Health & Safety team at +1.610.254.8771

Please visit the member area on geobluetravelinsurance.com or download the GeoBlue member app to view security profiles and/or sign up for news alerts.

Global Alert

On Wednesday, September 28th, Tropical Storm Matthew officially formed in the Caribbean, and could impact the southern United States. While many travel suppliers and airlines are trying to reroute flights, some delays and cancellations are inevitable. Global Alert understands those with plans to travel to this area will have questions about their coverage, and they are encouraged to call us 24/7 with any questions.

It is important to note, don’t rush out to buy travel insurance now to cover Matthew as Global Alert 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 September 28th, 2016 will not cover losses related to Matthew.

Policies purchased on or before September 27th, 2016 may have coverage for this storm. Following are some general guidelines regarding the various coverages available:

Trip Delay – 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 9 hours or more due to flight delays or cancellations. The dollar amount of coverage will be based on the plan you selected. Please refer to your policy documents for complete details.

Missed Connection – All of our plans also include the missed connection benefit if your flight is delayed for 3 hours or more. This benefit can reimburse unused land and water arrangements and additional transportation to catch up to the trip. The dollar amount of coverage for Missed Connection will vary depending on the plan you purchased. For more details, please review your plan documents.

Trip Interruption – Global Alert plans offer Trip Interruption coverage for your travel arrangements if they are disrupted due to the storm and you must leave or return later than originally scheduled. Depending on the Global Alert plan, covered reasons to interrupt the trip can include:  12 hour or more flight delay due to weather; or your home or accommodations at your destination made uninhabitable. Trip Interruption bases the dollar amount of coverage on the amount of trip cost you insured on the plan. To be certain that you have this protection, please review your plan certificate or call Global Alert.

Trip Cancellation – Should your flight be delayed or canceled due to Matthew, Global Alert plans can cover cancellation penalties if you are not able to travel for 12 hours or more. Based on the plan selected, Global Alert can also cover you if your destination is officially declared uninhabitable, or if your home is made uninhabitable due to the storm. The dollar amount of coverage is determined by the amount of trip cost you insured on the plan.  Please read your policy certificate for specific information.

This information is a general overview of coverage benefits that may apply if travel plans are impacted by the storm.  The coverage available for Tropical Storm Matthew and your trip will be based on the terms in your travel insurance plan.  Please refer to your plan documents to learn more or contact Global Alert with questions.  Agents are available 24/7 and happy to help.

HTH Worldwide

Tropical Storm Matthew formed just east of the Caribbean on the morning of September 28, 2016. Several forecast models suggest this storm will intensify and make a sharp turn to the north, putting the Gulf of Mexico and the East Coast at risk, along with Cuba, Jamaica, and Hispaniola. If these models are correct, the Storm will cross into the Caribbean where it will find an environment with low vertical wind shear, higher humidity and very warm water temperatures — all of which are ingredients needed for the winds to strengthen. According to the National Hurricane Center this storm could reach hurricane levels (winds of 74 mph) in the central Caribbean by Friday, September 30, 2016.

In addition to the medical and travel assistance coverage included on the TripProtector plans, please be sure to check your certificate for benefits payable for missed connections or Trip Delay. For assistance with these and any other benefits, please contact our customer service team. HTH Worldwide has dedicated multilingual resources available 24/7 for members in [affected area] who are in need of medical care and assistance. For assistance during a medical emergency, please call our Global Health & Safety team at+1.610.254.8771

Please visit the member area on hthtravelinsurance.com or download HTH mPassport mobile app to view security profiles and/or sign up for news alerts.

iTravelInsured

Tropical Storm Matthew— named on Sept. 28, 2016 – is forecasted to reach hurricane-strength winds of 74 mph in the central Caribbean by Friday, Sept. 30, 2016, according to the National Hurricane Center.
International Medical Group® (IMG®) members who purchased a travel insurance policy prior to Sept. 28, 2016, may receive trip cancellation, trip interruption, missed connection or travel delay benefits if their travel plans are affected by this event. Policies purchased on or after Sept. 28 may not provide coverage for claims related directly or indirectly to this tropical storm.

“Inclement Weather” means any weather condition that delays the scheduled arrival or departure of a Common Carrier.

With reference to coverage under IMG’s iTravelInsured® Travel Lite, SE and LX policies:

Trip Cancellation/Trip Interruption: Benefits will be paid, up to the maximum benefit amount shown in the declarations page, to reimburse you for the amount unused non-refundable prepaid payments or deposits you paid for travel arrangements, including up to $75 for the cost of airline-imposed fees to rebank frequent flyer miles for air flights to join your trip when you are prevented from taking your trip due to:

  • Inclement weather that causes complete cessation of services for at least 6 consecutive hours of the common carrier on which you  are scheduled to travel;
  • Up to 7 days mandatory evacuation ordered by local government authorities at your trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or natural disaster;
  • Your or your Traveling companion’s primary place of residence or destination being rendered uninhabitable and remaining uninhabitable during your scheduled trip, by fire, flood, burglary or other natural disaster. The company will only pay benefits for losses occurring within 30 calendar days after the natural disaster makes your destination accommodations uninhabitable. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the effective date of your trip cancellation coverage.

Missed Connection: If you miss your cruise or tour departure because your arrival at your trip destination is delayed for 3 or more hours due to:

  • A documented weather condition preventing you from getting to the point of departure.

Travel Delay: Benefits will reimburse for reasonable accommodation, meal and local transportation expenses incurred, up to the maximum benefit amount shown in the declarations page, if you  are delayed for 6 hours or more while enrooted to or from, or during your Trip, due to:

  • A documented weather condition preventing you from getting to the point of departure.

In event of a claim, please contact us at:

iTravelInsured Claims Department
P.O. Box 88503
Indianapolis, IN 46208-0500
Telephone: 1.866.243.7524 or 1.317.655.9798
Fax: 1.317.655.4505
E-mail: itravelclaims@itravelinsured.com
For general inquiries please contact us at:

iTravelInsured Agency Services

P.O. Box 88509
Indianapolis, IN 46208-0509
Telephone: 1.866.347.6673 or 1.317.655.9796
Fax: 1.317.655.4505
E-mail: service@itravelinsured.com

The insurance described in this document is a brief description of coverage provided under Policy Form Series T-210 MP, underwritten by the United States Fire Insurance Company and is subject to the terms, conditions, limitations and exclusions of the policy. Please see the plan documents for complete details. Coverage may vary or may not be available in all states. C&F and Crum & Forster are registered trademarks of United State Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2015.
Source: http://www.nhc.noaa.gov/archive/2016/

MH Ross

On Wednesday, September 28th, Tropical Storm Matthew officially formed in the Caribbean, and could impact the southern United States. While many travel suppliers and airlines are trying to reroute flights, some delays and cancellations are inevitable. MH Ross understands those with plans to travel to this area will have questions about their coverage, and they are encouraged to call us 24/7 with any questions.

It is important to note, don’t rush out to buy travel insurance now to cover Matthew 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 September 28th, 2016 will not cover losses related to Matthew.

Policies purchased on or before September 27th, 2016 may have coverage for this storm.  Following are some general guidelines regarding the various coverages available:

Trip Delay – 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. The dollar amount of coverage will be based on the plan you selected.  Please refer to your policy documents for complete details.

Missed Connection – All of our plans also include the missed connection benefit if your flight is delayed for 3 hours or more.  This benefit can reimburse unused land and water arrangements and additional transportation to catch up to the trip.  The dollar amount of coverage for Missed Connection will vary depending on the plan you purchased.  For more details, please review your plan documents.

Trip Interruption – MH Ross plans offer Trip Interruption coverage for your travel arrangements if they are disrupted due to the storm and you must leave or return later than originally scheduled. Depending on the MH Ross plan, covered reasons to interrupt the trip can include:  12 hour or more flight delay due to weather; home, work, or accommodations at your destination made uninhabitable; or a hurricane warning from NOAA within 24 hours of departure.  Trip Interruption bases the dollar amount of coverage on the amount of trip cost you insured on the plan. 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 Matthew, MH Ross plans can cover cancellation penalties if you are not able to travel for 12 hours or more. Based on the plan selected, MH Ross can also cover you if your destination is officially declared uninhabitable due to the storm, if your home or work place is made uninhabitable, if your destination is under an official hurricane warning issued by NOAA within 24 hours of the trip. A mandatory evacuation can also be considered, if when the evacuation ends and there is less than half or less than 4 days left of your trip. The dollar amount of coverage is determined by the amount of trip cost you insured on the plan.  Please read your policy certificate for specific information.

This information is a general overview of coverage benefits that may apply if travel plans are impacted by the storm.  The coverage available for Tropical Storm Matthew and your trip will be based on the terms in your travel insurance plan.  Please refer to your plan documents to learn more or contact MH Ross with questions.  Agents are available 24/7 and happy to help.

Tin Leg

On Wednesday, September 28 at 2pm AST, Hurricane Matthew became a named tropical storm and an advisory was put out by the National Hurricane Center.

What you need to know about your policy:
As of September 28, Hurricane Matthew is no longer considered an unforeseen event. Coverage related to the tropical storm is not available for Tin Leg policies purchased after this date. Tin Leg policies purchased on or prior to September 27 may provide coverage related to the event, including Trip Cancellation, Trip Interruption and Trip Delay benefits.

Trip Cancellation and Trip Interruption coverage for Hurricane and Weather:
In order for an event to be covered under Tin Leg policies, the event must occur after the policy has been purchased and meet at least one of the following requirements:

  • Result in the complete cessation of travel services at the point of departure or destination for the following specified amounts of time:
    • Tin Leg Economy policy: 48 consecutive hours
    • Tin Leg Standard policy: 24 consecutive hours
    • Tin Leg Luxury policy: 12 consecutive hours
  • Accommodations at your destination are made uninhabitable
  • Your or your traveling companion’s principal place of residence has been rendered uninhabitable
  • A mandatory evacuation is ordered by local authorities at your destination. You must have 50% or less of your trip remaining when the evacuation ends to be eligible for this benefit.

Travel Delay coverage for Hurricane and Weather:
In order for a tropical storm to be covered under the Trip Delay benefit within Tin Leg policies, it must meet the following requirements for minimum length of delay:

  • Tin Leg Economy policy: 12 consecutive hours
  • Tin Leg Standard policy: 12 consecutive hours
  • Tin Leg Luxury policy: 6 consecutive hours

In addition to Trip Cancellation and Travel Delay coverage, other benefits, including Emergency Medical and Medical Evacuation, may also be available for coverage related to the tropical storm.

In the event of an emergency, please contact Tin Leg’s 24 Hour Emergency Assistance department as soon as reasonably possible at:
Emergency Assistance Inside US: 844-927-9265 (Toll Free)
Emergency Assistance Outside US (Collect Call): 001-727-264-5657
Emergency Assistance Email: emergency@tinleg.com

In the event of a claim, please contact Tin Leg’s Claim department at 844-240-1233 or claims@tinleg.com.
Start your claim online: https://tinleg.com/claims/online

Please contact Tin Leg with any questions at 844-240-1233, we are delighted to answer any additional questions.

Travelex

TRAVELEX INSURANCE SERVICES STATEMENT OF COVERAGE

2016 Hurricane Season

Hurricane season is upon us and it may affect travel, with multiple flight cancellations, delays, and an uninhabitable destination to name a few.  Some airlines may alert travelers they will waive change/cancel fees and fare differences for customers impacted by a hurricane. Other airlines are advising travelers to check the flight status before leaving for the airport.

Travelex protection plans must have been purchased prior to the date when an event becomes foreseeable.  Customers who purchased their plan prior to a storm may be eligible for coverage. Please refer to the appropriate Description of Coverage for information regarding plan coverage, travel assistance services and instructions on how to file a claim.

Hurricane Name

Date Event Became Foreseeable

Hurricane Matthew

September 29, 2016

Hurricane Newton

September 5, 2016

Hurricane Hermine

September 1, 2016

Hurricane Madeline

August 29, 2016

Hurricane Gaston

August 28, 2016

Hurricane Lester

August 27, 2016

For plan questions contact Travelex’s Customer Solutions at 800.228.9792.

For a summary of the plan details on coverages, benefits, limitations and exclusions of the insurance plan, please refer to the applicable Description of Coverage and/or Group Certificate/Individual Policy. *Travel Insurance is underwritten by Transamerica Casualty Insurance Company, Columbus, Ohio; NAIC # 10952. 1294947

TravelSafe

On Wednesday, September 28th, Tropical Storm Matthew officially formed in the Caribbean, and could impact the southern United States. While many travel suppliers and airlines are trying to reroute flights, some delays and cancellations are inevitable. TravelSafe understands those with plans to travel to this area will have questions about their coverage, and they are encouraged to call us 24/7 with any questions.

It is important to note, don’t rush out to buy travel insurance now to cover Matthew as TravelSafe 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 September 28th, 2016 will not cover losses related to Matthew.

Policies purchased on or before September 27th, 2016 may have coverage for this storm.  Following are some general guidelines regarding the various coverages available:

Trip Delay – 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. The dollar amount of coverage will be based on the plan you selected.  Please refer to your policy documents for complete details.

Missed Connection – All of our plans also include the missed connection benefit if your flight is delayed for 3 hours or more.  This benefit can reimburse unused land and water arrangements and additional transportation to catch up to the trip.  The dollar amount of coverage for Missed Connection will vary depending on the plan you purchased.  For more details, please review your plan documents.

Trip Interruption – TravelSafe plans offer Trip Interruption coverage for your travel arrangements if they are disrupted due to the storm and you must leave or return later than originally scheduled. Depending on the TravelSafe plan, covered reasons to interrupt the trip can include:  12 hour or more flight delay due to weather; home, work, or accommodations at your destination made uninhabitable; or a Tropical Storm warning from NOAA within 24 hours of departure.  Trip Interruption bases the dollar amount of coverage on the amount of trip cost you insured on the plan. To be certain that you have this protection, please review your plan certificate or call TravelSafe.

Trip Cancellation – Should your flight be delayed or canceled due to Matthew, TravelSafe plans can cover cancellation penalties if you are not able to travel for 12 hours or more. Based on the plan selected, TravelSafe can also cover you if your destination is officially declared uninhabitable due to the storm, if your home or work place is made uninhabitable, or if your destination is under an official Tropical Storm warning issued by NOAA within 24 hours of the trip. A mandatory evacuation can also be considered, if when the evacuation ends and there is less than half or less than 4 days left of your trip. The dollar amount of coverage is determined by the amount of trip cost you insured on the plan.  Please read your policy certificate for specific information.

This information is a general overview of coverage benefits that may apply if travel plans are impacted by the storm. The coverage available for Tropical Storm Matthew and your trip will be based on the terms in your travel insurance plan.  Please refer to your plan documents to learn more or contact TravelSafe with questions.  Agents are available 24/7 and happy to help.

Trawick International

Hurricane Matthew falls within Trawick Internationals  guidelines, policy terms & conditions as inclement weather and potentially a natural disaster., The National Hurricane Center issued its first advisory  9/28/16, at 15:00 UTC.

Policies purchased prior to then may cover the event. As of then, the event is no longer considered unforeseen, so it will not be covered.

At 200 PM AST (1800 UTC), the center of Hurricane Matthew was located near latitude 14.2 North, longitude 67.0 West.  Matthew is moving toward the west near 17 mph (28 km/h), and a general westward motion with some decrease in forward speed is expected during the next couple of days.

Please read your Description of Coverage for details regarding available coverage or contact Trawick at 888-301-9289 or 251-661-0924 with your policy number or member ID for specific coverage questions regarding information  for Safe Travels plans which cover adverse weather and natural disasters