Travel insurance carriers will release position statements to explain how current events impact what coverage is available. This is most common with hurricanes, once a storm is named, a new policy will not cover any loss resulting from that named storm. A more recent example is the civil unrest in Egypt, as those events are considered foreseeable at this time. The following is a statement from Travel Guard on Tropical Storm Bianca being upgraded to Tropical Cyclone Bianca and impacting travel plans to Australia.
Tropical Storm Bianca became a named Cyclone on Thursday, January 27th, 2011.
Insurance would have to have been purchased on or before Wednesday, January 26, 2011 for coverage to be effective.
Cyclone 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.