Hurricane Season Travel Insurance
Researchers predict an above-average hurricane season in 2018, potentially impacting travelers’ vacations. Fortunately for those who prepare early enough, travel insurance can cover many of the impacts these storms can have. This resource explains how travel insurance can help this hurricane season.
It is important to get your policy early before a storm is named. Travel insurance only covers unexpected situations; once a storm is named, it is no longer unexpected and can’t be covered on any policies purchased after that date.
Cancelling or Leaving Your Trip Early When There’s a Storm
Most travel insurance policies can pay you back for your trip costs if a storm significantly impacts your ability to take your trip. This includes storms both at your destination or your home. Each policy has specific situations that trigger travel insurance coverage. Most policies require one of the following before coverage begins:
- Your flight or cruise is delayed for at least 12-48 hours
- Your hotel or your home is severely damaged and rendered ‘uninhabitable’
- A hurricane warning or mandatory evacuation is issued for your destination or the city you are scheduled to fly out of
Cancel For Any Reason
The fear of traveling is never covered by travel insurance. If you are worried that a storm is headed to your destination but it hasn’t yet triggered your policy’s coverage, your claim may be denied. The only option for travelers who want more freedom to cancel their trip is Cancel For Any Reason coverage. This type of policy can be more expensive but it can pay you back a portion of your trip costs without having to provide any reason for cancelling. This upgraded coverage must be purchased within 14-30 days of your initial trip booking and 100% of your trip costs must be insured.
Squaremouth’s Hurricane Center helps travelers understand travel insurance coverage specific to storms. This resource is regularly updated with press releases, answers to FAQs and helpful videos.
Fact Sheets and Press Releases
3 Things to Know Ahead of Hurricane Season, From Travel Insurance Expert, Squaremouth
Hurricane Willa: Too Late to Get Travel Insurance, Says SquaremouthRead More
ST. PETERSBURG, Fla. October 23, 2018 — Virtually overnight, Hurricane Willa intensified into a major storm bound for Mexico’s popular Pacific coast, taking many beach-bound travelers by surprise. With the aftermath of the storm yet to be seen, travelers may be concerned about upcoming trips, especially given the impact of recent storms Michael and Florence. But according to travel insurance comparison site, Squaremouth, now is not the time to buy a travel insurance policy for coverage from Willa.
Hurricane Michael: The Traveler’s Guide to What’s Covered by Travel InsuranceRead More
ST. PETERSBURG, Fla. October 9, 2018 — In less than 48 hours, Hurricane Michael has intensified from a tropical storm to a category 2 hurricane, threatening Gulf Coast residents and travelers alike. The storm's rapid development caught some travelers off-guard, with the end of hurricane season only a month away.
Hurricane Florence Evacuation Not Enough to Trigger Travel Insurance Coverage for Residents in Storm’s PathRead More
ST. PETERSBURG, Fla. September 11, 2018 — Residents of the East Coast are preparing for Category 4 Hurricane Florence, with more than 1 million facing mandatory evacuation orders. But according to travel insurance comparison site, Squaremouth, it is still too early for Hurricane Florence to trigger travel insurance benefits for residents with homes in the storm’s path.
Too Late to Buy Travel Insurance for Rare Hawaiian Hurricane LaneRead More
ST. PETERSBURG, Fla. August 22, 2018 — Hurricane Lane may become the third hurricane ever recorded to make landfall in Hawaii. As residents scramble to prepare, tourists are researching their options to cancel an upcoming trip or cut their vacation short. Travel insurance comparison site, Squaremouth, says it is now too late to purchase a travel insurance policy for the unexpected storm.
More Travelers are Purchasing Travel Insurance This Hurricane SeasonRead More
ST. PETERSBURG, Fla. May 14, 2018 – Last year’s hurricane season brought major storms to highly traveled destinations, resulting in a significant increase in claims. This year, researchers predict another above-average hurricane season and leading travel insurance comparison site, Squaremouth, reports an increase in people purchasing travel insurance for hurricane season.
After Record-Setting Hurricane Month, Squaremouth Explains Travel Insurance CoverageRead More
ST. PETERSBURG FL September 29, 2017 — In the past month, hurricanes Harvey and Irma halted travel in the U.S., and Maria ripped through the Caribbean as a Category 5 storm. With two months left in hurricane season, leading travel insurance comparison site, Squaremouth, explains the key travel insurance takeaways travelers should know now.
What to Know About Travel Insurance if Hurricane Maria Halts Your Caribbean Travel PlansRead More
ST. PETERSBURG FL September 21, 2017 — Hurricane Irma ripped through the Caribbean as a Category 5 storm, leaving many areas uninhabitable. With Hurricane Maria now hitting the same region, travel insurance comparison site, Squaremouth, explains travel insurance coverage for those whose Caribbean vacations are impacted by the storm.
- See all 10 articles
The Travel Insurance Coverage You May Not Know You Have for Hurricane IrmaRead More
ST. PETERSBURG FL September 8, 2017 — Florida residents are the second most frequent travelers in the U.S., according to sales data from leading travel insurance comparison site, Squaremouth. With Hurricane Irma halting travel and threatening Florida, residents may be unaware of the coverage they have.
Travel Insurance Claims Advice if Irma Ruins Your TripRead More
ST. PETERSBURG FL September 5, 2017 — Hurricane Harvey forced more travelers to cancel their trips than any other single event this year, according to claims data from travel insurance comparison site, Squaremouth. With powerful Hurricane Irma approaching the Caribbean, Squaremouth expects even more claims for trip cancellations.
Can travel insurance cover me if my home is in a hurricane's path?Read More
You may be covered by your travel insurance policy if a hurricane hits your home.
When can I buy travel insurance to cover a tropical storm or hurricane?Read More
You can buy travel insurance with coverage for a tropical storm or hurricane up until the day before your departure date, as long as the storm has not been named.
Does a storm have to become a hurricane to be covered by travel insurance?Read More
No, a storm does not need to develop into a hurricane to be covered by the Hurricane & Weather benefit.
Does the Hurricane & Weather benefit cover tropical storms?Read More
Yes, losses related to tropical storms can be covered by the Hurricane & Weather benefit.
What types of current events are covered by travel insurance?
Can I still buy travel insurance after a tropical storm or hurricane is named?Read More
While you can still buy a travel insurance policy after a storm is named, the policy will not include coverage for the storm.
- See all 15 FAQs
What if my flight or cruise is delayed because of a hurricane?Read More
If your flight or cruise is delayed due to a hurricane, travel insurance can cover additional costs and lost expenses under the Travel Delay and Missed Connection benefits.
Can I still buy a travel insurance policy for hurricane season?Read More
Yes, you can still buy a policy with coverage for hurricane season. However, you cannot buy a policy with coverage for a specific storm once it is named.
Can I still buy travel insurance for Hurricane Matthew?Read More
No, travel insurance is no longer available with coverage for Hurricane Matthew.
What if my flight or cruise is delayed or canceled due to a hurricane?Read More
Travel insurance can cover many of your lost or additional expenses due to a cruise or flight delay or cancellation because of a hurricane.
What if I want to cancel my vacation because of a hurricane?Read More
You may be covered to cancel or interrupt your trip if your policy includes hurricane coverage and you meet the policy’s requirements.
Hurricane Event Center External Resources
Most travel insurance policies have coverage for hurricanes and tropical storms, as long as you bought a policy before the storm was named. Travel insurance providers may use these resources to gather information on storms and determine whether or not a storm is covered: