Travel insurance carriers release position statements when current events affect coverage. Once an event is considered foreseeable, new policies purchased will not cover that event. This is most common when hurricanes and tropical storms are named, they are considered foreseeable. The following is a statement from Travel Guard on Hurricane Paula.
Tropical Storm Paula became a named hurricane Tuesday, October 12, 2010.
Insurance would have to have been purchased on or before Monday, October 11, 2010 for coverage to be effective.
Hurricane falls under the definition of Natural Disaster and would be based on the plan purchased and that plan’s Description of Coverage.
“Natural Disaster” means a flood, hurricane, tornado, earthquake, fire, wildfire, volcanic eruption, or blizzard that is due to natural causes.