Caribbean Hurricane Dorian

Hurricane Dorian – Provider Position Statements

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Squaremouth’s travel insurance providers give their official position statements explaining coverage for Hurricane Dorian, which became a named storm on August 24, 2019 and is tracking through the Caribbean.

April Travel Protection

Tropical Storm Dorian formed Saturday, August 24, 2019 in the Atlantic. This tropical storm part of the adverse weather provision.Customers are strongly encouraged to read their APRIL Description of Coverage or Insurance Policy for details regarding their available coverage. For our plans that offer coverage for adverse weather and natural disasters under Trip Cancellation and Trip Interruption, please note that there is no coverage for this specific storm if the plan was purchased on or after August 24, 2019.

Global Underwriters

Our plans offer Natural Disaster Evacuation. If the Plan Participant requires emergency evacuation or return of deceased remains due to a Natural Disaster, which makes his/her location uninhabitable, or, your location in the Host Country is deemed uninhabitable by the travel assistance company security personnel, the travel assistance company security will arrange and the Company will pay for evacuation from a safe departure point to the nearest safe location for the following reasons: 1) Officials of the foreign country or the embassy of the country with which the Plan Participant is a national has issued for reasons due to the natural disaster situation, a recommendation that categories of persons which include the Plan Participant should leave the foreign country; ANDA Plan Participant cannot obtain commercial transportation to the nearest safe location within a time period which will enable the Plan Participant to leave the foreign country in time to avert imminent bodily harm or to comply with the time allowed to leave the foreign country pursuant to the orders of the recognized government of that foreign country.The Plan Participant must contact the travel assistance company as soon as possible after his/her Host Country issues the official disaster declaration, as delays may make safe transportation impossible. The method of transportation will be as deemed most appropriate to ensure the Plan Participant’s safety. If evacuation becomes impractical due to hostile or dangerous conditions, the travel assistance company will maintain contact with and advise the Plan Participant until evacuation becomes viable or the natural disaster situation has been resolved. Should commercial flights be available, but transportation to the airport will place the Plan Participant in imminent bodily harm, the travel assistance company shall arrange and pay for his/her secure transport to the airport. Airfare change fees are the responsibility of the Plan Participant once he/she reaches an airport where normal commercial flight is available. The Evacuation must occur within 14 days of any covered event.  Benefits are only payable for arrangements made by the authorized travel assistance company.The travel assistance company shall arrange an the company will pay up to $100 per day up to a maximum of  five (5) days for reasonable expenses related to lodging if the Plan Participant is delayed at a safe haven.  The travel assistance company shall also arrange and the company will pay for one-way economy airfare to return the Plan Participant to his/her Home Country following an Evacuation.  Economy airfare and lodging costs shall not exceed a combined single limit of $5,000.

No Benefit shall be payable if there is a U.S. Department of State Level 4 travel Advisory/Warning in effect within 30 days prior to the Plan Participant date of arrival in the host country. 

Travel Assistant’s Company must make all arrangements for the Plan Participant. Services rendered without the travel assistant company’s coordination and approval is not covered. No claims for reimbursement will be accepted. If the Plan Participant is able to leave their host country by normal means, such as changing a commercial airline ticket, the travel assistant company will assist in rebooking flights or other transportation. Expenses for non-emergency transportation are the responsibility of the Plan Participant

Emergency Evacuation Exclusions: We do not cover:

1)   loss or expense for a Non-Medical Emergency Evacuation covered reason which took place in an Excluded Country;

2)    loss or expense recoverable under any other insurance or through an employer;

3)    loss or expense arising from or attributable to:

(a)    fraudulent or criminal acts committed or attempted by You;

(b)   alleged violation of the laws of the country You are visiting, unless We determine such allegations to be fraudulent, or

(c)    failure to maintain required documents or visas;

4)     loss or expense arising from or attributable to:

(a)    debt, insolvency, business or commercial failure;

(b)   the repossession of any property; or

(c)    Your non-compliance with a contract, license or permit;

5)    loss or expense arising from or due to liability assumed by You under any contract.

These benefits will not duplicate any other benefits payable under the Policy.

HTH Worldwide

On Monday, August 26th, 2019, the National Hurricane Centre (NHC) issued a tropical storm watch for Puerto Rico due to the approach of Storm Dorian. The NHC has stated that Dorian will likely strengthen to a hurricane as it makes its approach towards Puerto Rico in the morning of Wednesday, August 28th. The governor of Puerto Rico has already issued a state of emergency across the island on Monday, August 26th. A price freeze has also been placed on essentials including the price of fuel.

Members in the area should monitor local media sources for any further updates on Dorian and heed any directives issued by the authorities. Members conducting air travel in the near term should ascertain the status of their flights before departure.

What you need to know about your policy:
As of August 26th, the Tropical Storm is no longer considered an unforeseen event. Coverage related to the Tropical Storm is not available for HTH TripProtector policies purchased after this date.

HTH TripProtector policies purchased on or prior to August 26th may provide coverage related to the event, including Trip Cancellation, Trip Interruption and Trip Delay benefits.

Trip Cancellation and Trip Interruption coverage for Natural Disasters:
For an event related to a natural disaster to be covered under TripProtector Classic or TripProtector Preferred policies, the event must occur after a policy has been purchased and meet at least one of the following requirements. The TripProtector Economy plan does not provide coverage for natural disasters.

  • Sickness, accidental injury or death of an insured person or an insured person’s family member or traveling companion.
  • Your destination accommodations are rendered uninhabitable.
  • Inclement weather resulting in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.
  • You or a traveling companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault during the trip; having residence made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster; or burglary of your residence during the trip.
  • Death or hospitalization of your host at your destination.
  • You or a family member, who are military personnel, are called to emergency duty for a natural disaster; this does not include war.

Baggage & Personal Effects Coverage for Natural Disasters:
For a Tropical Storm to be covered under the Baggage & Personal Effects benefit within HTH TripProtector policies, it must meet all of the following requirements. Coverage is secondary to any coverage provided by a common carrier. There will be a per article limit shown on the Confirmation of Coverage.

  • The baggage and personal effects must be owned by the insured person.
  • The police or other authority must be notified within twenty-four (24) hours in the event of theft.
  • You must file written proof of loss with the insurer within 90 days from the date of loss, attaching copies of airline, cruise line or common carrier claims forms, original police reports, passport/visa reissuance receipts, an itemization and description of lost items and their estimated value, and all receipts, credit card statements, canceled checks, photos, or other appropriate documentation as may be required.
  • The baggage and personal effects must not be items which are specifically excluded by your insurance contract with HTH Worldwide.

Travel Delay coverage for Natural Disasters:
For a Tropical Storm to be covered under the Trip Delay benefit within HTH TripProtector policies, it must meet the following requirements for minimum length of delay:

  • TripProtector Economy policy: 8 consecutive hours
  • TripProtector Classic policy: 6 consecutive hours
  • TripProtector Preferred policy: 6 consecutive hours

In addition to Trip Cancellation, Interruption and Baggage & Personal Effects Coverage, other benefits, including Emergency Medical Evacuation, may also be available for coverage related to the Tropical Storm.

In the event of an emergency, please contact HTH Worldwide’s 24-Hour Emergency Assistance department as soon as reasonably possible at:
Emergency Assistance Inside U.S.: 888-243-2358 (Toll Free)
Emergency Assistance Outside U.S. (Collect Call): 610-254-8771
Emergency Assistance Email: globalhealth@hthworldwide.com

In the event of a claim, please contact HTH Worldwide’s Claim department at 888-243-2358 or HTHclaims@hthworldwide.com

This information is meant to be a summarized overview of benefits in HTH TripProtector plans that can assist those in need due to this event. Please always refer to the plan documents for specific details. If you have any questions, please contact HTH Worldwide at 888-243-2358. Our agents are available 24 hours per day and are happy to help.

Tin Leg

On August 24, 2019, Hurricane Dorian was named as a tropical storm. The storm has developed into a hurricane as it heads through the Caribbean.

What you need to know about your policy:

As of August 24, the storm is no longer considered an unforeseen event. Coverage related to the storm is not available for Tin Leg policies purchased after this date.

Tin Leg policies purchased on or prior to August 24 may provide coverage related to the event, including Trip Cancellation, Trip Interruption and Trip Delay benefits. 

Trip Cancellation and Trip Interruption coverage for Hurricanes:

In order for an event to be covered under Tin Leg policies, the event must occur after a policy has been purchased and meet at least one of the following requirements.

  • Inclement weather resulting in the complete cessation of travel services at the point of departure or destination for the following specified amounts of time:
    • Tin Leg Economy policy: 24 consecutive hours
    • Tin Leg Standard policy: 24 consecutive hours
    • Tin Leg Luxury policy: any delay or cancellation of travel
    • TIn Leg Adventure policy: any delay or cancellation of travel
  • Accommodations at your destination are made uninhabitable or inaccessible
  • Your or your traveling companion’s primary residence has been rendered uninhabitable

Travel Delay coverage for Hurricanes:

In order for a hurricane to be covered under the Trip Delay benefit within Tin Leg policies, it must meet the following requirements for minimum length of delay:

  • Tin Leg Economy policy: 12 consecutive hours
  • Tin Leg Standard policy: 6 consecutive hours
  • Tin Leg Luxury policy: 6 consecutive hours
  • Tin Leg Adventure policy: 5 consecutive hours

In addition to Trip Cancellation and Travel Delay coverage, other benefits, including Emergency Medical and Medical Evacuation, may also be available for coverage related to the storm.

In the event of an emergency, please contact Tin Leg’s 24 Hour Emergency Assistance department as soon as reasonably possible at:

Emergency Assistance Inside US: 844-927-9265 (Toll Free)

Emergency Assistance Outside US (Collect Call): 001-727-264-5657

Emergency Assistance Email: emergency@tinleg.com

In the event of a claim, please contact Tin Leg’s Claim department at 844-240-1233 or claims@tinleg.com. Start your claim online: https://tinleg.com/claims/online

Please contact Tin Leg with any questions at 844-240-1233, we are delighted to answer any additional questions.

Travel Insured International

Tropical Storm Dorian is moving into the eastern Caribbean Sea heading toward the Dominican Republic and Puerto Rico. The path show a potential threat to the Bahamas and Florida over the weekend, but the forecast details are still uncertain. Residents in these areas along with any one traveling to these areas should continue to monitor the progress of Dorian and ensure that they have their hurricane plan in place.

We will continue to follow Tropical Storm Dorian and update our travelers with any travel protection coverage details.

Stay Up to Date

You can find the most current information in regards to any named storm by visiting the National Hurricane Center at www.nhc.noaa.gov.

Check Your Travel Arrangements

We urge you to check any travel arrangements you have made including flights, hotel stays, cruise plans, etc. in regards to cancellations, delays, and any other changes that may affect your upcoming plans.

You can visit our Coverage Alerts page or Help Center to find the latest information regarding Storm Dorian.