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What You Need to Know About Hurricanes and Travel Insurance

Angela Borden | Jul 24, 2020

If you are planning to travel anytime from June 1 through November 30, you should be aware it is hurricane season. We highly recommend you consider purchasing travel insurance to cover your travels during this time. 

NOAA, The National Oceanic and Atmospheric Administration, is predicting an active 2020 Hurricane Season. The peak months for hurricanes include August, September, and October.

Meanwhile, if you have questions about how travel insurance can help you with weather emergencies, you’ve come to the right place.

Travel insurance includes benefits and coverage reasons specifically related to weather events, such as hurricanes, that can adversely affect travel.

There are two types of plans that include different benefits that can apply for weather emergencies such as a hurricane. These benefits can help protect you and your trip from the uncertainties of hurricane season. It is important to note that benefits and covered reasons vary by plan, so check your plan document or call us if you’re not certain about your coverage. 

Woman staring at flight board full of cancelled flights.

Trip Protection Plan Benefits

For a trip protection plan such as RoundTrip Elite, benefits are available for cancellations due to weather if a covered reason in the plan document applies to your situation. 

Trip Cancellation Coverage

If you must cancel your trip, benefits can be paid to reimburse you for your unused and nonrefundable prepaid trip payments, including up to $75 for airline fees to re-bank frequent flyer miles. 

Trip Interruption Coverage

If you must interrupt your trip, benefits can be paid to reimburse you for your unused and nonrefundable trip payments for land or water travel arrangements plus additional transportation costs for you to: 

  • Join your trip if you must depart after your scheduled departure date or travel via alternate travel arrangements (by the most direct route to reach your destination). 
  • Rejoin your trip or transport you to your originally scheduled return destination, if you must interrupt your trip after departure, each by the most direct route possible.    

Covered Reasons for Cancelling or Interrupting a Trip Due to Weather 

There are three covered reasons in RoundTrip Elite that provide coverage if you must cancel or interrupt your trip due to weather. They include: 

Hurricane growing off the coast of the Cayman islands.
  1. Inclement weather (including a hurricane) causes complete cessation of your common carrier's services for at least 48 consecutive hours (including a hurricane). A common carrier is an airline, cruise line, or any land transportation with a valid license to transport passengers for a fee. 
    • For this covered reason to apply, you must buy RoundTrip Elite at least one day before your common carrier cancels their service. 


  2. You or your traveling companion's primary residence is rendered uninhabitable and remains uninhabitable during your scheduled trip due to fire, flood, burglary or other natural disaster (including a hurricane). Review the plan document for more details. 
    • For this covered reason to apply to cancellations caused by a hurricane, you must buy RoundTrip Elite at least one day before your residence becomes uninhabitable and at least one day before the storm becomes a named storm. This can be confusing! Think of it this way — you have to buy your auto insurance before you get in a wreck, or it's not covered.


  3. You or your traveling companion's place of employment is rendered unsuitable for business due to fire, flood, burglary or other natural disaster
    (including a hurricane), and you and/or your travel companion have to work as a result.
    • For this covered reason to apply, you must buy RoundTrip Elite one day   before a flood or natural disaster renders your place of employment   unsuitable for business. This covered reason is only available   if you expand your Trip Cancellation by purchasing Cancel for Work   Reasons at an additional cost. This covered reason does not apply   to Trip Interruption coverage.  

Cancel For Any Reason

If you would like the option to cancel your trip for literally any reason at all, consider purchasing the optional Cancel For Any Reason (CFAR) benefit.*

It will increase the price of your insurance plan approximately 40% and will reimburse you for up to 75% of your nonrefundable prepaid trip costs if you do the following (additional terms apply beyond those discussed below):

  • Cancel your trip 2 days or more before your trip start date (scheduled departure date) and
  • Buy a plan with CFAR coverage within 20 days of the date your initial trip deposit is received (the first day you make a payment for your trip) and
  • Insure all nonrefundable prepaid trip expenses (you must also insure the cost of subsequent travel arrangements within 15 days of payment or deposit for them). An example of a subsequent travel arrangement could be adding an excursion to your cruise after you had previously paid for the cruise.

Travel Delay Coverage

The trip delay benefit can pay for the following: 

  • The nonrefundable unused portion of your prepaid trip expenses (if they are not reimbursable by another source) and 
  • Accommodations, meals, and local transportation expenses you incur if you’re delayed six hours** or more en route to/from or during your trip.  

It protects you for two types of delay: 

  1.  A delay related to a documented weather condition that prevents you from getting to your point of departure. 
  2. Any delay of a common carrier (an example would be canceled service due to a hurricane).
There are other coverage triggers as well for this benefit, so check the plan document for more details.

Missed Connection

This benefit can pay if you miss your cruise or tour departure because your arrival at your destination is delayed for 3 or more hours due to covered reasons, including some related to weather. These include: 

  1. Any delay of a common carrier (airline, cruise line). 
  2. A documented weather condition that prevents you from getting to your point of departure.  

This benefit can pay for:

  • Additional transportation costs to join your trip and  
  • Accommodations, meals, and non-refundable trip payments for the unused portion of the cruise or tour. 

Woman packing an emergency kit in her luggage.

Travel Medical Benefits

Travel medical plans, such as our Liaison Travel Series and Liaison Travel Plus with COVID-19 coverage, offer natural disaster benefits on top of medical protection when you’re traveling away from home. For this type of plan, a natural disaster includes hurricanes, tornadoes, typhoons, tsunamis, cyclones, floods, and more (See the plan document for the full definition of natural disaster.)

Natural Disaster Daily Benefit for Accommodations

Our Liaison plans pay benefits if your principal lodging becomes uninhabitable due to a natural disaster at your destination. The benefit options include $50, $100, and $250 per day depending on which plan you select, and the daily amount is paid for up to five days.  

Trip Interruption

If you cannot continue your trip due to serious damage to your principal residence caused by a hurricane or other natural disaster, our travel medical insurance plans will reimburse you for the cost of economy travel less any credit from an unused return travel ticket home. The coverage amounts vary by plan. 

Natural Disaster Evacuation

If you require a natural disaster evacuation from a location outside of the United States, the plan can arrange and pay to evacuate you from a safe departure point to the nearest safe location. Along with this, we will arrange and pay five days of lodging if you are delayed at the safe location.

We will also arrange and pay for one-way economy airfare to return you to your home country following an evacuation. Benefit amounts vary with plan options.  

Timely Purchase

It is important to read your plan document and buy your travel insurance before the natural disaster occurs. There is no coverage if the natural disaster situation causing the need for the benefit precedes your arrival at the affected location.

Since hurricanes are erratic and hard to predict, it's important to prepare ahead of time, especially if you are traveling during hurricane season, especially in high-risk locations.

What to Do if You Have Questions

If you have questions about what type of plan to choose for your next trip, contact our sales team at sales@sevencorners.com

*CFAR is not available in all states. When you complete the quick quote in our purchase process, it will be presented to you as an option if it is available.
**This time limit varies by state and plan. Review your plan document for details. 

Important Information from the United States Fire Insurance Company

The Liaison Travel Plus and Liaison Travel Series plans are not underwritten by United States Fire Insurance Company. They are underwritten by Certain Underwriters at Lloyd's, London. In specific scenarios, coverage is provided by Tramont Insurance Company Limited. For details regarding Tramont, visit  tramontinsurance.com


Team member contributor: Angela Borden

About the Author

Angela Borden has been a member of the Seven Corners team since 2007. She originally joined as an underwriter, later transition to marketing to explore her passion for making all things insurance less confusing and more fun. (Is that possible?) When she's not working, Angela loves traveling and spending time with her family, including her two adorable dogs.

Insurance benefits are subject to limitations and exclusions, including an exclusion for pre-existing conditions. The insurance provided by the plans is in excess of all other valid and collectible insurance and indemnity.

Trip insurance within the plans is underwritten by United States Fire Insurance Company. Benefits listed can vary by state of residence. Travel assistance services in the plans are not insurance, and they are provided by Seven Corners Assist. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Seven Corners at 1-800-335-0611.

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