Travel insurance carriers frequently use press releases and blogs to address current events that will impact coverage. The extreme winter weather over the past month has caused many flights to be delayed or cancelled. It is important to know that travel insurance will not cover an event once the event is considered foreseeable. The following is an excerpt from a Travel Insured International press release addressing this issue.
Early winter weather has wreaked havoc twice in December on airports in Europe and parts of the upper Midwestern U.S. Northern European airports and railways were disrupted during weekends starting Dec. 3 and Dec. 18, and were struggling to recover full service before Christmas. Minnesota and Wisconsin were hardest hit on the Dec. 11 weekend, and again on Dec. 19 and 20. Now storms are flooding southern California with heavy rain and deep snow only days before Christmas.
Travel Insured International reminds travelers that storms in progress are no longer unforeseen and cannot be covered by new purchases of Trip Cancellation, Trip Interruption or Trip Delay coverage. But travel insurance is highly recommended to protect against future winter storms expected to be arriving soon. While Santa Claus faces few delays thanks to priority air traffic control clearance and his unique flight navigation system, commercial flights and the winter travelers who fly them are not so lucky.
Travelers must purchase their travel insurance before a snowstorm is identified on the weather map for their trip to be protected against disruptions resulting from that approaching storm. Travel Insured identifies insurance coverage as taking effect “if you are prevented from taking or continuing your trip due to specified unforeseen events.” “Unforeseen” means not anticipated or expected and occurring after the effective date of the plan.
It is always a good idea to purchase travel insurance early in the travel planning process to avoid having limited or no coverage if an event is considered foreseeable. This is true when a hurricane is named and it was true during the volcanic eruption and ash cloud in the Spring on 2010.
To learn more about what coverage can apply during extreme winter weather, read the story Snow Ruined Holiday Plans? Here is How Travel Insurance Helps.