Extreme Weather & Natural Disasters

Does my travel insurance cover me to come home early because of the earthquake?

Last Updated:

Short Answer

You may be covered to return home early due to the earthquake under the Trip Interruption benefit if you meet your policy’s requirements. The policy must have been purchased before the earthquake occurred.

More Detail

Travel insurance is designed to cover unforeseen events, meaning Trip Interruption due to an earthquake is only available if the policy was purchased prior to the earthquake occurring.

Trip Interruption provides coverage for transportation to return home early, as well as reimbursement for prepaid, nonrefundable expenses for the unused portion of your trip.

Trip Interruption coverage for earthquakes is triggered by the following:

  • Structural damage to your accommodations at your destination or your home residence that renders them uninhabitable
  • Delay of at least 12-48 hours of your flight, cruise or other transportation by a common carrier
  • Mandatory evacuation of your destination that lasts for a specified amount of time — typically at least half of your trip

If you were in an area affected by the earthquake, you may also be covered under your policy’s Non-Medical Evacuation benefit. This benefit is designed to cover you for transportation to a place of safety during a natural disaster. Requirements for this benefit vary.

Squaremouth recommends referring to your policy certificate for your specific coverage or contacting your provider to file a claim.

This information is subject to change 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 from 8am to 10pm ET, seven days a week, and are delighted to help.

Notes to editors

About Squaremouth: Squaremouth.com has insured over 2 million travelers. Using Squaremouth’s intuitive quoting and comparison engine, award-winning support team, and verified customer reviews, travelers can save time and money to find the best travel insurance policy for their trip.