Hurricane travel insurance is important if you ever decide to book a cruise during the peak hurricane season. In fact the U.S. Department of State has issued a hurricane and typhoon season travel alert until December 1, 2016 and cruise companies such as Royal Caribbean, Carnival and Disney Cruise Line are working to keep guests safe. However many travelers might be wondering: Does travel insurance cover hurricanes? Well, it depends on several factors.

Hurricane Travel Insurance Tips

If a storm is already named by the authorities you can’t buy hurricane travel insurance. The National Hurricane Center, for example, named Hurricane Matthew on September 28, 2016. Any travel insurance plans purchased on or after September 28th will not provide coverage for the hurricane. As a rule of thumb travel insurance companies use the naming as a cutoff date to purchase polices. This means that consumers must be very careful and proactive with their hurricane travel insurance coverage. If you are planning the perfect cruise experience you have to take into account the weather. Especially during the hurricane season.

In case you have already purchased travel insurance before the naming of the hurricane Matthew, that is before September 28th  and you are currently traveling you may have one of the following travel insurance coverage: Trip Cancellation, Trip Interruption, Trip Delay and/or Missed Connection coverage. The best option is to contact your travel insurance provider and receive detailed information about your insurance plan.

There are a few particular circumstances. Hurricanes have minds of their own and in this imaginative case they head towards your dreamed resort and damage it. If your destination is directly impacted by a hurricane and you have purchased a policy before the hurricane was named, then you may have Trip Cancellation coverage. However, the policy applies only  when the destination is uninhabitable.

October is the best time to book a cruise. If your destination is in the Atlantic Ocean you have to take under consideration that the hurricane season runs through November 30, with October being the peak period and thus the most dangerous. To be on the safe side travelers should consider purchase hurricane travel insurance plans with a Cancel for Any Reason option. Travel involves risks and prudence is always a good companion when planing the perfect getaway.


    • Does your travel insurance policy specifically say “hurricane” or “natural disaster”? Does your policy include Trip Cancellation, Trip Interruption, Trip Delay and/or Missed Connection coverage?

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