Natural Disaster Center

Does travel insurance cover planned power outages during a wildfire?

Last Updated:

Travel insurance coverage for planned power outages during a wildfire will depend on the situation and the specific policy language.

In most cases, a power outage with no threat of fire won’t be covered by travel insurance. However, a power outage combined with a wildfire can be covered, as long as the policy’s specific requirements are met.

In order for travel insurance to cover a wildfire, at least one of the following conditions must be met:

  • The fire and power outages make your hotel accommodations or your destination uninhabitable
  • There’s a mandatory evacuation at your destination
  • Your home has been made uninhabitable or damaged by the fire

This information is time sensitive and may vary by policy. If you have questions about a specific policy. please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET, seven days a week, and are delighted to help!


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