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.

Last Updated: 10/10/18

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.

Many travel insurance policies can cover hurricanes that impact travel, as long as the policy was purchased before the storm was named. For Hurricane Michael, travelers who had a policy in place prior to October 7, 2018 may have coverage, including Trip Cancellation and Travel Delay.

The Hurricane Michael Travel Insurance Information Center explains coverage related to the storm. This database is regularly updated by Squaremouth’s travel insurance experts with answers to frequently asked questions, official provider position statements, travel alerts and notices, and other information as the storm develops. Information is subject to change at any time.

Questions? Squaremouth’s travel insurance experts are on hand to answer your questions about coverage for Hurricane Michael. We are available from 8am to 10pm ET daily by chat and by phone at 1-800-240-0369.

Hurricane Michael has strengthened to a Category 4 hurricane as it approaches the Gulf Coast.

Michael became a named storm on October 7, 2018. As of that date, the storm is no longer considered unforeseen, meaning any new travel insurance policies will not provide any coverage for the storm.

If you are currently traveling or live in an area affected by Hurricane Michael, contact your provider's 24-Hour Emergency Assistance for help.

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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FAQs

  • Can I still buy travel insurance for Hurricane Michael?

    As of October 7, 2018, it is too late to buy a travel insurance policy with coverage for Hurricane Michael.

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  • What if I don’t want to take my upcoming trip to the Gulf Coast because the beaches are ruined?

    Choosing not to travel because your trip won’t be as fun as you had hoped is never covered by standard travel insurance policies.

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  • What if my hotel is closed because the power is out?

    If you bought a travel insurance policy before Hurricane Michael was named on October 7, you can be covered to cancel your trip if your hotel is closed due to the power outages along the Gulf Coast.

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  • What if I can't take my upcoming trip to the Gulf Coast because it's flooded?

    If you bought a travel insurance policy before Hurricane Michael was named on October 7th, you can be covered if you can’t take your trip due to flooding along the Gulf Coast.

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  • What types of natural disasters are covered by travel insurance?

    Travel insurance can cover unforeseen natural disasters that prevent a traveler from taking their trip.

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  • 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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  • See all 10 FAQs
  • 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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