Does Travel Insurance Cover You During Hurricane Beryl?

As Hurricane Beryl sweeps across the region, our hearts go out to those affected by its impact. We sincerely hope that travelers and their loved ones remain safe during this challenging time. 

For those wondering about travel insurance coverage during hurricanes, we’re here to provide clarity and reassurance.

Does Travel Insurance Cover Hurricanes?

The answer is that travel insurance may cover hurricane-related trip interruptions, but it’s crucial to understand the specifics of your policy.

Here’s what you need to know:

• Most trip insurance plans include coverage for trip cancellations, interruptions, or delays caused by natural disasters, which could include hurricanes.
• Some policies may cover additional expenses such as extended accommodations or additional transportation due to a hurricane.
• Natural disaster coverage only includes spontaneous, unforeseen inclement weather events that were not forecasted before you purchased your travel insurance policy. For example, in the case of a hurricane, you must have purchased your policy before the hurricane was named in order to be eligible for coverage.

What to Do if Your Travel Plans Are Interrupted by a Hurricane

There could be a multitude of ways that travelers are affected by Hurricane Beryl, including delayed or canceled flights or getting stuck in a travel destination longer than anticipated due to delayed transportation.

If your travel plans are interrupted by a hurricane, having travel insurance can help you navigate a stressful time and provide you peace of mind knowing that if you have to reroute your travel or stay additional nights in your destination due to a weather event, you can be covered.

Here are some steps to take if you find your travel plans interrupted by a hurricane:

• Contact your travel insurance provider to understand options and coverage
• Reschedule air travel or transportation as necessary to travel safely
• Keep all receipts and documentation of canceled or delayed flights, additional transportation, or hotel or accommodation expenses related to the natural disaster

Once you are safe back at home, you can file a claim for your lost or additional expenses through your travel insurance provider for reimbursement.

What Can Travel Insurance Cover in a Hurricane?

The coverage you can receive for a natural disaster depends on the type of travel insurance policy you hold. 

Travel medical insurance plans often offer a natural disaster benefit which can provide a reimbursement of a specific amount as listed in the policy’s description of benefits due to being displaced because of an ordered evacuation due to a natural disaster.

Trip insurance policies can offer coverage for prepaid and nonrefundable trip costs lost due to a trip interruption, delay, or cancellation because of a natural disaster under special circumstances. This can include situations such as not being able to reach your destination due to a natural disaster or a natural disaster making your accommodations inhabitable.

Frequently Asked Questions (FAQ)