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Extreme Weather & Natural Disasters

Can I cancel my trip if I’m afraid a storm will hit during my trip?

 

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Short Answer

Fear that a storm will hit your destination is not a covered reason to cancel your trip under standard Trip Cancellation policies.

More Detail

Travel insurance does not provide coverage to cancel a trip because you are afraid a storm will hit. However, if a hurricane is affecting your trip, you may have coverage to cancel as long as you had a policy in place before a hurricane was named and you meet at least one of your policy’s requirements under the Hurricane and Weather benefit. These may include:

  • Flight or cruise delay of at least 12-48 hours
  • Your accommodations are rendered uninhabitable
  • A hurricane warning is issued for your destination
  • A mandatory evacuation of your destination

Travelers who want to be covered to cancel due to fear of bad weather can only do so if their policy includes the Cancel For Any Reason upgrade, however they will only be partially refunded.

Cancel For Any Reason provides up to 75% reimbursement of your trip costs as long as you cancel your trip in its entirety at least 2-3 days before your departure. This benefit provides coverage to cancel for a reason not otherwise specified as covered on the policy.

Cancel For Any Reason typically increases the premium by about 40%. You must purchase the policy within 14-30 days of your initial booking date and must insure 100% of your prepaid and non-refundable trip costs.

This information is time-sensitive and may vary based on the travel insurance policy. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available 24/7 and are delighted to help.


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