What Your Clients Need to Know about Hurricanes and Travel Insurance

Sep 17, 2018

Hurricane Florence has been wreaking havoc along the Southeast coast of the United States, and Typhoon Mangkut is devastating China and the Philippines.

If your clients are planning on traveling anytime soon or over the next couple of months, be aware that hurricane season continues until November 30. Since hurricanes are erratic and hard to predict, your clients should be aware of the risks of traveling at this time, especially in high-risk locations. Meanwhile, they may have questions about how travel insurance can help them with this risk. 

The following types of benefits — depending on which plan your clients purchase — can help protect their trip from the uncertainties of hurricane season. It is important to note that benefits and triggers vary by policy, so make sure your clients understand what their plan covers.

Trip Protection Plan Benefits

For a trip protection plan such as RoundTrip Elite, these benefits are available: 

Cancellations due to weather: This trip cancellation benefit covers non-refundable, prepaid, trip costs if you are unable to take your trip due to a covered reason. Please remember that once a storm is named, you cannot buy travel insurance to protect you for trip cancellation, interruption or delay, but RoundTrip Elite will still cover you for medical expenses and baggage and personal effects. There is no coverage related to the storm because it is no longer an unforeseen event once it has been named.

Cancel For Any Reason:  If your clients would like the option to cancel their trip for literally any reason at all, the optional Cancel For Any Reason (CFAR) benefit is a good choice. It will increase the price of the insurance plan approximately 40% and will refund 75% of nonrefundable prepaid trip costs if your clients do the following:

  • Cancel the trip 2 days or more before the trip start date (scheduled departure date) and
  • Buy insurance with CFAR coverage within 20 days of their initial trip deposit (the first day they make a payment for the trip) and
  • Insure all nonrefundable prepaid trip costs (including the cost of subsequent travel arrangements added to the trip within 15 days of payment or deposit for each of these arrangements).

Please note CFAR is not available in all states. When your clients complete the quick quote in our purchase process, it will be presented to them as an option if it is available.

Delays due to weather: The trip delay benefit pays for additional transportation, meals, accommodations and nonrefundable, unused prepaid expenses if travelers are delayed 6 or more hours en route to/from their trip. It protects them from a delay related to a documented weather condition which prevents them from getting to their point of departure. There are separate coverage triggers for this benefit, so check the plan document for a list.

Missed connections: This benefit pays additional transportation costs to join a cruise or tour if your clients miss a connection due to a delay of 3 or more hours because of a documented weather condition that prevents them from getting to the point of departure. This benefit also covers accommodations, meals, and non-refundable trip payments for the unused portion of the cruise or tour.

Travel Medical Plan Benefits

Travel medical plans, such as our Liaison Travel Series, offer natural disaster benefits on top of medical protection for your clients when they travel outside their home country. 

Natural Disaster Accommodations: Seven Corners pays benefits if your clients' principal lodging becomes uninhabitable due to a natural disaster at their destination. The benefit options include $50, $100, and $250 per day depending on the plan selected. The number of days for the benefit ranges from 5 to 10 days. 

Trip Interruption: If your clients cannot continue their trip due to serious damage to their principal residence caused by a hurricane or other natural disaster, Seven Corners will reimburse them either $2,500, $5,000, or $10,000 for economy travel home. The dollar amounts vary by plan, and you can choose either Liaison Economy, Liaison Choice, or Liaison Elite.

Natural Disaster Evacuation: If a natural disaster makes your clients' destination outside of the United States uninhabitable, we will arrange and pay to evacuate them from a safe departure point to the nearest safe location. Along with this, we will arrange and pay for a specified number of days of lodging if they are delayed at the safe location. We will also arrange and pay for one-way economy airfare for return to their home country following an evacuation. Benefit amounts vary with plan options. 

It is important that your clients buy travel insurance prior to any named event. As always, contact our sales team for any questions you have regarding these benefits.  

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