My policy says “accommodation at destination made uninhabitable” under hurricane coverage. What does this mean?

Last Updated: January 14, 2015May 24, 2023

Short Answer

When the Hurricane and Weather benefit includes “accommodation at destination made uninhabitable,” this means you can be covered if your hotel or other accommodation is damaged or destroyed to the extent you can no longer stay there.

More Detail

Many Trip Cancellation policies include Hurricane and Weather coverage for a hurricane or inclement weather that causes a trip to be cancelled or interrupted. In order for you to be eligible for this benefit, your circumstance must meet your policy’s specific requirements.

Some policies include coverage if your accommodation at your destination are made uninhabitable due to weather. This means in order for you to file a claim due to weather, your hotel or other accommodation must have been damaged or destroyed to the extent you can no longer stay there.

All policies that include cancellation coverage for Hurricane and Weather require you to purchase the policy before the storm is named.

This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET seven days a week and are delighted to help!