When a current event that affects travel insurance benefits becomes known, or foreseen, travel insurance providers often release position statements to explain how coverage applies. A policy purchased after an event becomes known will not cover travelers for trip cancellation purposes. This is because trip cancellation benefits are designed to cover the unforeseen. With a winter storm, for example, once its path has been determined, it is no longer considered unforeseen.
CSA Travel Protection provided the following explanation of travel insurance coverage after Winter Storm Ukko was named today:
Winter Storm Ukko
Winter storm Ukko was named on Monday, March 18, 2013. The storm has already been blasting Wisconsin, North Dakota, and other parts of the Midwest with snow and wind, and will be moving to the Northeast tonight. Areas from New England to Washington, D.C. should see freezing rain or snow Monday, lasting into Tuesday. Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after Monday, March 18, 2013. Please contact CSA Travel Protection with questions.