Squaremouth informs travelers about events that are expected to have a major impact on travel. This is not a comprehensive list of all worldwide events.
Hurricane Michael

Hurricane Michael was first named a tropical storm on October 7, 2018, and is expected to continue to strengthen as it moves through the Gulf of Mexico. The storm is heading for the Gulf Coast of the United States.

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.

Plan Ahead

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

  • Hurricane Michael: The Traveler’s Guide to What’s Covered by Travel Insurance

    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.

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  • Hurricane Florence Evacuation Not Enough to Trigger Travel Insurance Coverage for Residents in Storm’s Path

    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.

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  • Too Late to Buy Travel Insurance for Rare Hawaiian Hurricane Lane

    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.

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  • More Travelers are Purchasing Travel Insurance This Hurricane Season

    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.

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  • After Record-Setting Hurricane Month, Squaremouth Explains Travel Insurance Coverage

    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.

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  • What to Know About Travel Insurance if Hurricane Maria Halts Your Caribbean Travel Plans

    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.

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  • The Travel Insurance Coverage You May Not Know You Have for Hurricane Irma

    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.

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  • Travel Insurance Claims Advice if Irma Ruins Your Trip

    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.

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  • See all 10 articles
  • Hurricane Harvey: Travel Insurance Coverage For Labor Day Weekend Travel Complications

    ST. PETERSBURG FL August 30, 2017 — Hurricane Harvey’s torrential rain is expected to continue this week, jeopardizing Labor Day Weekend travel plans. Leading travel insurance comparison site, Squaremouth, explains when travel insurance can refund travelers if the storm ruins their travel plans.

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  • Hurricane Harvey: 3 Ways Travel Insurance Can Cover the Dangerous Storm

    ST. PETERSBURG, FL August 25, 2017 - Residents of Texas are some of the most frequent travelers in the United States, according to travel insurance comparison site, Squaremouth. With Hurricane Harvey expected to bring widespread flooding and winds to the state, Squaremouth explains 3 ways travel insurance can cover those impacted by the historic storm.

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FAQs

  • Can travel insurance cover me if my home is in a hurricane's path?

    You may be covered by your travel insurance policy if a hurricane hits your home.

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  • When can I buy travel insurance to cover a tropical storm or hurricane?

    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.

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  • Does a storm have to become a hurricane to be covered by travel insurance?

    No, a storm does not need to develop into a hurricane to be covered by the Hurricane & Weather benefit.

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  • Does the Hurricane & Weather benefit cover tropical storms?

    Yes, losses related to tropical storms can be covered by the Hurricane & Weather benefit.

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  • What types of current events are covered by travel insurance?

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    Travel insurance can cover unforeseen events, including unexpected illnesses, terrorist attacks, inclement weather and natural disasters, and other events that cause a complete cessation of travel, such as a strike of a travel supplier.

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  • Can I cancel my trip due to a hurricane or tropical storm?

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    You may be covered to cancel your trip if a hurricane seriously impacts your travel.

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  • Can I still buy travel insurance after a tropical storm or hurricane is named?

    While you can still buy a travel insurance policy after a storm is named, the policy will not include coverage for the storm.

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  • Can I return home early if there is a hurricane at my destination?

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    Short Answer With the Hurricane and Weather benefit, you may be covered to return home early from your trip due to a hurricane at your destination.

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  • See all 15 FAQs
  • 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.

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  • What if my flight or cruise is delayed because of a hurricane?

    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.

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  • Can I still buy a travel insurance policy for hurricane season?

    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.

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  • Can I cancel my trip if a storm hits my home?

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    You may be covered by your travel insurance to cancel your trip if a storm hits your home.

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  • Can I still buy travel insurance for Hurricane Matthew?

    No, travel insurance is no longer available with coverage for Hurricane Matthew.

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  • What if my flight or cruise is delayed or canceled due to a hurricane?

    Travel insurance can cover many of your lost or additional expenses due to a cruise or flight delay or cancellation because of a hurricane.

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  • What if I want to cancel my vacation because of a hurricane?

    You may be covered to cancel or interrupt your trip if your policy includes hurricane coverage and you meet the policy’s requirements.

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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: