Winter Storm Leo – Provider Position Statements

Official position statements from Squaremouth’s travel insurance providers on Winter Storm Leo.

APRIL Travel Protection

Winter Storm Leo falls within our APRIL policy terms & conditions as inclement weather or natural disaster.

APRIL policies purchased prior to Sunday, January 22, 2017, at 6:15 am EST, may cover the event. After such date and time, Winter Storm Leo is no longer considered unforeseen and it will not be covered.

Trip cancellation and trip interruption benefits are not payable if a natural hazard (such as a tropical storm, hurricane, or winter storm) is named on or becomes foreseen before the effective date & time of the policy. Other benefits like Missed Connection or Trip Delay may apply.
This guideline applies only to new policies that are effective on or after the event, and covering travel during such time.

Terms and Conditions may vary by APRIL plan. Please refer to your policy terms & conditions document for more information on coverage.

In the event of an emergency or policy questions, please contact APRIL’s 24-Hour Assistance Department at:

24/7 Toll-Free Number (Inside the U.S. & Canada): 855-277-4587

24/7 Assistance Collect Call: 305-455-0307

Assistance Email: assistus@apriltravelprotection.com

Live Web Chat: Visit www.AprilTravelProtection.com

Skype™: assist_us

In the event of a claim, please contact APRIL’s Claims Department at 855-277-4587 or claims@apriltravelprotection.com. All claims will be adjudicated on their own circumstances and merits.

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection is closely monitoring the progress of Winter Storm Leo. Through our proactive messaging, we have been able to contact our AirCare travelers whose flights have been affected by the storm, and we are prepared to assist all of our customers impacted by the storm.

Depending on the BHTP policy purchased, travelers may be eligible for coverage that interrupts travel plans. Our customers can contact BHTP at 844-411-BHTP to review the specific benefits of their policy.

Global Alert

Much of the US is preparing for severe winter weather from Winter Storm Leo. While many travel suppliers and airlines are trying to reroute flights, some delays and cancellations are inevitable. Global Alert understands those with travel plans will have questions about their coverage, and they are encouraged to call us 24/7 with any questions.

It is important to note, don’t rush out to buy travel insurance now to cover Leo as Global Alert plans do not provide coverage for a storm that was already named prior to the purchase of travel insurance. In this case, plans purchased on or after January 21st, 2017 will not cover losses related to Leo.

Plans purchased on or before January 20th, 2017 may have coverage for this storm. Following are some general guidelines regarding the various coverages available:

Trip Delay – Additional meal and accommodation expenses may be reimbursed up to the amount provided by the plan if you have left home and travel is delayed 9 hours or more due to flight delays or cancellations. The dollar amount of coverage will be based on the plan you selected. Please refer to your plan documents for complete details.

Missed Connection – All of our plans also include the missed connection benefit if your flight is delayed for 3 hours or more. This benefit can reimburse unused land and water arrangements and additional transportation to catch up to the trip. The dollar amount of coverage for Missed Connection will vary depending on the plan you purchased. For more details, please review your plan documents.

Trip Interruption – Global Alert plans offer Trip Interruption coverage for your travel arrangements if they are disrupted due to the storm and you must leave or return later than originally scheduled. On Global Alert plans, covered reasons to interrupt the trip include: 12 hour or more flight delay due to weather; and home or accommodations at your destination made uninhabitable. Trip Interruption bases the dollar amount of coverage on the amount of trip cost you insured on the plan. To be certain that you have this protection, please review your plan documents or call Global Alert.

Trip Cancellation – Should your flight be delayed or canceled due to Leo, Global Alert plans can cover cancellation penalties if you are not able to travel for 12 hours or more. Global Alert plans can also cover you if your destination is officially declared uninhabitable due to the storm, or if your home is made uninhabitable. The dollar amount of coverage is determined by the amount of trip cost you insured on the plan. Please read your plan documents for specific information.

This information is a general overview of coverage benefits that may apply if travel plans are impacted by the storm. The coverage available for Winter Storm Leo and your trip will be based on the terms in your travel insurance plan. Please refer to your plan documents to learn more or contact Global Alert with questions. Agents are available 24/7 and happy to help.

iTravelInsured

Winter Storm Leo – named on Sunday, January 22, 2017 – brought heavy snow, high winds and flooding rainfall to California, and is expected to spread through the Rockies, Plains and Midwest during the first half of the week.

International Medical Group® (IMG®) members who purchased a travel insurance policy prior to January 22, 2017, may receive trip cancellation, trip interruption, missed connection or travel delay benefits if their travel plans are affected by this event. Policies purchased on or after January 22 may not provide coverage for claims related directly or indirectly to this storm.

“Inclement Weather” means any weather condition that delays the scheduled arrival or departure of a common carrier.

With reference to coverage under IMG’s iTravelInsured® Travel Lite, SE and LX policies:

  • Trip Cancellation/Trip Interruption: Benefits will be paid, up to the maximum benefit amount shown in the Declarations Page, to reimburse you for the amount unused non-refundable prepaid payments or deposits you paid for travel arrangements, including up to $75 for the cost of airline-imposed fees to rebank frequent flyer miles for air flights to join your trip when you are prevented from taking your trip due to:
    • Inclement weather that causes complete cessation of services for at least 6 consecutive hours of the common carrier on which you are scheduled to travel;
    • Up to 7 days mandatory evacuation ordered by local government authorities at your trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or natural disaster;
    • Your or your traveling companion’s primary place of residence or destination being rendered uninhabitable and remaining uninhabitable during our scheduled trip, by fire, flood, burglary or other natural disaster. The Company will only pay benefits for losses occurring within 30 calendar days after the natural disaster makes your destination accommodations uninhabitable. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the effective date of your trip cancellation coverage.
  • Missed Connection: If you miss your cruise or tour departure because your arrival at your trip destination is delayed for 3 or more hours due to:
    • A documented weather condition preventing you from getting to the point of departure.
  • Travel Delay: Benefits will reimburse for reasonable accommodation, meal and local transportation expenses incurred, up to the maximum benefit amount shown in the Declarations Page, if you are delayed for 6 hours or more while enrooted to or from, or during your trip, due to:
    • A documented weather condition preventing you from getting to the point of departure.

In event of a claim, please contact us at:
iTravelInsured Claims Department
P.O. Box 88503
Indianapolis, IN 46208-0500
Telephone: 1.866.243.7524 or 1.317.655.9798
Fax: 1.317.655.4505
Email: itravelclaims@itravelinsured.com

For general inquiries please contact us at:
iTravelInsured Agency Services
P.O. Box 88509
Indianapolis, IN 46208-0509
Telephone: 1.866.347.6673 or 1.317.655.9796
Fax: 1.317.655.4505
Email: service@itravelinsured.com

Insurance policies described above are underwritten by the United States Fire Insurance Company. C&F and Crum & Forster are registered trademarks of United State Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2015.

MH Ross

Much of the US is preparing for severe winter weather from Winter Storm Leo. While many travel suppliers and airlines are trying to reroute flights, some delays and cancellations are inevitable. MH Ross understands those with travel plans will have questions about their coverage, and they are encouraged to call us 24/7 with any questions.

It is important to note, don’t rush out to buy travel insurance now to cover Leo as MH Ross plans do not provide coverage for a storm that was already named prior to the purchase of travel insurance. In this case, plans purchased on or after January 21st, 2017 will not cover losses related to Leo.

Plans purchased on or before January 20th, 2017 may have coverage for this storm. Following are some general guidelines regarding the various coverages available:

Trip Delay – Additional meal and accommodation expenses may be reimbursed up to the amount provided by the plan if you have left home and travel is delayed 6 hours or more due to flight delays or cancellations. The dollar amount of coverage will be based on the plan you selected. Please refer to your plan documents for complete details.

Missed Connection – All of our plans also include the missed connection benefit if your flight is delayed for 3 hours or more. This benefit can reimburse unused land and water arrangements and additional transportation to catch up to the trip. The dollar amount of coverage for Missed Connection will vary depending on the plan you purchased. For more details, please review your plan documents.

Trip Interruption – MH Ross plans offer Trip Interruption coverage for your travel arrangements if they are disrupted due to the storm and you must leave or return later than originally scheduled. On MH Ross plans, covered reasons to interrupt the trip include: 12 hour or more flight delay due to weather; and home, work, or accommodations at your destination made uninhabitable. Trip Interruption bases the dollar amount of coverage on the amount of trip cost you insured on the plan. To be certain that you have this protection, please review your plan documents or call MH Ross.

Trip Cancellation – Should your flight be delayed or canceled due to Leo, MH Ross plans can cover cancellation penalties if you are not able to travel for 12 hours or more. MH Ross plans can also cover you if your destination is officially declared uninhabitable due to the storm, or if your home or work place is made uninhabitable. The dollar amount of coverage is determined by the amount of trip cost you insured on the plan. Please read your plan documents for specific information.

This information is a general overview of coverage benefits that may apply if travel plans are impacted by the storm. The coverage available for Winter Storm Leo and your trip will be based on the terms in your travel insurance plan. Please refer to your plan documents to learn more or contact MH Ross with questions. Agents are available 24/7 and happy to help.

Tin Leg

On January 22, 2017, Winter Storm Leo became a named storm.

What you need to know about your policy:
On January 22, 2017, Winter Storm Leo was named. Coverage related to the winter storm is no longer available for Tin Leg policies purchased after this date. Tin Leg policies purchased prior to January 22, 2017, may provide coverage related to the event, including Trip Cancellation, Trip Interruption and Trip Delay benefits.

Trip Cancellation and Trip Interruption coverage for Hurricane and Weather:
In order for an event to be covered under Tin Leg policies, the event must occur after the policy has been purchased and meet at least one of the following requirements:

  • Result 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: 48 consecutive hours
    • Tin Leg Standard policy: 24 consecutive hours
    • Tin Leg Luxury policy: 12 consecutive hours
  • Accommodations at your destination are made uninhabitable
  • Your or your traveling companion’s principal place of residence has been rendered uninhabitable
  • A mandatory evacuation is ordered by local authorities at your destination. You must have 50% or less of your trip remaining when the evacuation ends to be eligible for this benefit.

Travel Delay coverage for Hurricane and Weather:
In order for a winter storm 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: 12 consecutive hours
  • Tin Leg Luxury policy: 6 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 winter 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.

TravelSafe

Much of the US is preparing for severe winter weather from Winter Storm Leo. While many travel suppliers and airlines are trying to reroute flights, some delays and cancellations are inevitable. TravelSafe understands those with travel plans will have questions about their coverage, and they are encouraged to call us 24/7 with any questions.

It is important to note, don’t rush out to buy travel insurance now to cover Leo as TravelSafe plans do not provide coverage for a storm that was already named prior to the purchase of travel insurance. In this case, plans purchased on or after January 21st, 2017 will not cover losses related to Leo.

Plans purchased on or before January 20th, 2017 may have coverage for this storm. Following are some general guidelines regarding the various coverages available:

Trip Delay – Additional meal and accommodation expenses may be reimbursed up to the amount provided by the plan if you have left home and travel is delayed 6 hours or more due to flight delays or cancellations. The dollar amount of coverage will be based on the plan you selected. Please refer to your plan documents for complete details.

Missed Connection – All of our plans also include the missed connection benefit if your flight is delayed for 3 hours or more. This benefit can reimburse unused land and water arrangements and additional transportation to catch up to the trip. The dollar amount of coverage for Missed Connection will vary depending on the plan you purchased. For more details, please review your plan documents.

Trip Interruption – TravelSafe plans offer Trip Interruption coverage for your travel arrangements if they are disrupted due to the storm and you must leave or return later than originally scheduled. On TravelSafe plans, covered reasons to interrupt the trip include: 12 hour or more flight delay due to weather; and home, work, or accommodations at your destination made uninhabitable. Trip Interruption bases the dollar amount of coverage on the amount of trip cost you insured on the plan. To be certain that you have this protection, please review your plan documents or call TravelSafe.

Trip Cancellation – Should your flight be delayed or canceled due to Leo, TravelSafe plans can cover cancellation penalties if you are not able to travel for 12 hours or more. TravelSafe plans can also cover you if your destination is officially declared uninhabitable due to the storm, or if your home or work place is made uninhabitable. The dollar amount of coverage is determined by the amount of trip cost you insured on the plan. Please read your plan documents for specific information.

This information is a general overview of coverage benefits that may apply if travel plans are impacted by the storm. The coverage available for Winter Storm Leo and your trip will be based on the terms in your travel insurance plan. Please refer to your plan documents to learn more or contact TravelSafe with questions. Agents are available 24/7 and happy to help.

Trawick International

Trawick Members who have a Safe Travels USA Trip Protection policy that was purchased before the Winter Storm was named, may be eligible for Trip Cancellation, Trip Interruption, Travel Delay and or Emergency Assistance if they are directly affected by the storm. Please see the policy wording for more details or contact Trawick International at 888-301-9289. Please contact GBG Assist 877-916-7920 to find a provider in the area or ask questions about what coverage you may have that can be used for an Emergency or to cancel your trip. The Winter Storm is no longer considered an unforeseen event for new purchases of Trip Cancellation protection.