Much of the US is preparing for severe winter weather from Winter Storm Jonas. While many travel suppliers and airlines are trying to reroute flights, some delays and cancellations are inevitable. MH Ross understands those with travel plans 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 Jonas 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 January 21st, 2016 will not cover losses related to Patricia.
Policies purchased on or before January 20th, 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. On MH Ross plans, covered reasons to interrupt the trip include: 12 hour or more flight delay due to weather; and home, work, 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 MH Ross.
Trip Cancellation – Should your flight be delayed or canceled due to Jonas, MH Ross plans can cover cancellation penalties if you are not able to travel for 12 hours or more. MH Ross plans can also cover you if your destination is officially declared uninhabitable due to the storm, or if your home or work place is made uninhabitable. 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 Winter Storm Jonas 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.