The Hurricane and Weather benefit provides reimbursement for your prepaid and nonrefundable trip costs if your trip is cancelled or interrupted due to hurricane or inclement weather. The policies typically have specific requirements that must be met in order to be covered.
The Hurricane and Weather benefit can provide Trip Cancellation and Trip Interruption coverage if you meet one of the policy’s requirements. The common requirements are: common carrier delay due to inclement weather, accommodation at your destination is made uninhabitable, hurricane warning, or if there is a mandatory evacuation at your destination.
In order to be covered for a common carrier delay, the common carrier must be delayed for a specific time period in order for you to be covered—typically between 12 and 48 hours. The most lenient policies provide coverage for common carrier delay for “inclement weather” for any amount of time.
Policies that provide coverage if your accommodation at your destination is made uninhabitable due to weather require the hotel or other accommodation is damaged or destroyed to the extent you can no longer stay there.
Policies including coverage in the event of a hurricane warning can provide coverage if your home or destination city is under a hurricane warning, typically this warning must be issued by the NOAA National Hurricane Center.
If a policy provides coverage in the event of a “Mandatory evacuation,” this means you can be covered if the local authorities at your destination must order an evacuation.
Some policies state mandatory evacuation and/or hurricane warning is “conditionally covered. “Conditionally covered” means the provider will only cover you if you have 50% or less of your trip remaining.
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!