How Are Hurricanes Covered in Travel Insurance?

Hurricanes are nature's most powerful and dangerous storm. Along with the flooding, heavy rains, destructive winds, and high surf that can happen inland because of them, hurricanes can cause severe property damage and death. We shouldn’t be surprised then, by their impact on travel.

To be honest, that impact is never a good one, which is why we highly recommend protecting yourself during hurricane season and considering travel insurance to cover your travels during this time.

When Is Hurricane Season?

Hurricane season is June through November with the peak months for hurricanes usually being August, September, and October.

A hurricane can last anywhere from a few days to a couple of weeks.

Where Are Hurricanes Most Likely to Occur?

According to Livescience.com, the following are the top U.S. locations and cities most vulnerable to hurricanes:

• Gulf coast cities: Houston, Texas; New Orleans, Louisiana; Mobile, Alabama; and Tampa-St. Petersburg, Florida
• Miami, Florida
• Southern Atlantic cities: Savannah, Georgia, and Wilmington, North Carolina
• Honolulu, Hawaii
• Northeastern cities: Boston, Massachusetts, and New York

Depending on the location, hurricanes can also be referred to as cyclones or typhoons.

Where Are the Safest Places to Travel During Hurricane Season?

Much of the Caribbean is at high risk for hurricanes. Luckily, if you travel outside the hurricane belt, there are some islands that are actually quite safe. Consider the ABC islands — Aruba, Bonaire, Barbados, Curaçao — if you’re thinking about traveling to the Caribbean during hurricane season.

What Can You Do If a Hurricane Threatens or Interrupts Your Travel Plans?

Act quickly. If there is a hurricane headed toward your location, evacuate in accordance with local evacuation guidelines as soon as possible. Call your airline if you are flying and try to schedule the next available flight home. Make sure to do this sooner rather than later.

Be alert. Pay attention to the local weather and stay on top of potential storm activity. Be aware that hurricanes can change course or become more intense without much warning.

Keep important information on hand. Always keep a written list of important phone numbers in case you need to make an emergency phone call and cannot use your personal cell phone. Additionally, keep a copy of your travel insurance plan documents and ID card available for reference so you know what type of coverage you have. Reach out to your insurance company with any concerns. Physical documentation is key if you suddenly do not have internet access.

Travel Insurance for Hurricane Season

You’ve probably already figured it out, but you can also be prepared by purchasing travel insurance. How can travel insurance help with weather emergencies? There are two types of plans that include benefits and coverage for reasons specifically related to weather events, including hurricanes, that can adversely affect travel. These benefits can help protect you and your money 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.

Trip Protection Benefits for Hurricane Coverage

There are many reasons a hurricane could cause you to cancel, abruptly interrupt, or delay a trip, which is why a plan such as Seven Corners Trip Protection is so valuable. Trip protection plans have several benefits related to hurricanes, such as:

• Trip Cancellation coverage
• Trip Interruption coverage
• Optional Cancel for Any Reason (CFAR) coverage
• Optional Interruption for Any Reason (IFAR) coverage
• Trip Delay coverage
• Missed Tour or Cruise Connection coverage

Trip Cancellation coverage

Seven Corners Trip Protection has a specific hurricane-related trip cancellation trigger for coverage. Note that in order for a claim to be approved, your trip cancellation (or trip interruption, which we’ll talk about in a minute) must be caused, or triggered, by a covered reason listed in your plan document. If you cancel for a reason not listed, you will not be eligible for reimbursement.

There are three covered reasons in Seven Corners Trip Protection plans that provide coverage if you must cancel or interrupt your trip due to weather. They include:

• Inclement weather, including a hurricane, causes a common carrier to end its services for at least 48 consecutive hours. A common carrier may include an airline or cruise line.
• Your primary residence or scheduled destination accommodations become uninhabitable and remain uninhabitable during your trip or are inaccessible by the mode of transportation shown on your itinerary within 30 days of your departure date due to a natural disaster. In the case of a hurricane, coverage will only apply if you purchased insurance prior to a tropical storm being upgraded to a hurricane.
• An evacuation mandate is issued by local authorities at the scheduled trip departure or scheduled destination due to a natural disaster, including a hurricane, which prevents traveling to/arriving at your scheduled trip departure city or scheduled destination. For Trip Cancellations, this applies only if you bought the plan during the Time Sensitive Period, meaning the plan must be purchased within 20 days of the date your initial payment or deposit for your trip is received and within 15 days of payment for subsequent travel arrangements you add to your trip.

Now, here’s that hurricane trigger for trip cancellation: Your Scheduled Trip Departure City or Scheduled Destination is under a hurricane warning or hurricane watch as issued by the NOAA Hurricane Center within 24 hours of Your Scheduled Departure Date. Cancellation of Your Trip must occur more than 14 days following Your Effective Date of coverage for Trip Cancellation.

If you must cancel your trip, benefits can be paid to reimburse you for your unused and nonrefundable prepaid trip payments. In addition, the Trip Protection Choice plan includes a Frequent Traveler Reward Benefit, which covers up to $500 for airline fees to re-bank frequent flyer miles if the cancellation was due to a covered reason.

Trip Interruption coverage

Seven Corners Trip Protection plans also have a specific hurricane-related trip interruption trigger for coverage: Your Scheduled Destination is under a hurricane warning or hurricane watch, as issued by the NOAA Hurricane Center, after Your Scheduled Departure Date.

If you must interrupt your trip, Trip Protection Choice benefits reimburse up to 150% of the insured trip cost. Trip Protection Basic benefits reimburse up to 100% of the insured trip cost. The coverage is triggered when you interrupt your trip for a covered reason listed in the plan document.

This amount is paid to reimburse you for your unused and nonrefundable trip payments for your 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; or
• Rejoin your trip from the point where you interrupted it to the next scheduled destination; or
• Transport you to your originally scheduled return destination

Your plan may have other triggers for trip interruption related to a hurricane. The plan document will explain those triggers. You can also talk to a travel insurance agent if you’re unsure about anything.

Cancel for Any Reason coverage

If you would like the option to cancel your trip for any reason you wish, not just the covered reasons we mentioned earlier, consider adding the optional Cancel for Any Reason (CFAR) benefit.*

CFAR will increase the price of your plan by approximately 40% depending on your state of residence 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
• 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.

Interruption for Any Reason coverage

If you would like the option to interrupt your trip for any reason you wish, consider adding the optional Interruption for Any Reason (IFAR) benefit.*

IFAR will increase the price of your plan by 10% or less and could provide reimbursement for up to 75% of nonrefundable unused trip costs should you decide to interrupt your trip and return home early due to concern about hurricanes, even if a hurricane warning or watch has not been issued by NOAA.

Trip Delay coverage

This benefit protects you for the following types of delay:

• Any delay of a common carrier, which includes delays due to a hurricane.
• A mandatory evacuation order at your scheduled departure city or scheduled destination or return destination is issued which prevents you from traveling to/arriving at your scheduled departure city or scheduled destination or return destination.

The trip delay benefit can pay for accommodations, meals, and local transportation expenses you incur if you’re delayed six hours** or more en route to or from your trip as well as during your trip.

There are other coverage triggers as well for this benefit, so check the plan document for more details.

Missed Tour or Cruise Connection coverage

This benefit can pay if you miss your cruise or tour departure because your arrival at your destination is delayed for three or more hours due to covered reasons.  These covered reasons include some related to weather, such as any common carrier delay, documented inclement weather that affects your travel, and natural disasters.

This benefit can pay for:

• Additional transportation costs to join your cruise or tour.
• Accommodations, meals, and local transportation.

Are you interested in buying trip insurance? Get a quote!

Travel Medical Benefits for Hurricane Coverage

Seven Corners Travel Medical plans offer natural disaster coverage when traveling internationally. 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.

The natural disaster benefits we’ll discuss in this section include:

• Trip interruption
• Evacuation and repatriation

Trip interruption

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

Natural disaster evacuation and repatriation

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.

We can also arrange and pay for reasonable lodging if you are delayed at the safe location and arrange and pay for one-way airfare to return you to your home country following evacuation.

Coverage amounts vary by plan. The natural disaster evacuation benefit must be arranged by Seven Corners Assist.

Are you interested in buying a travel medical insurance plan? Get a quote!

Timely Purchase: When to Buy Travel Insurance for Hurricanes

It is important to buy your travel insurance before the natural disaster occurs.

Since hurricanes are erratic and hard to predict, you need time to prepare and think through your plan options, especially if you are traveling during hurricane season to high-risk locations.

How to Find the Best Hurricane Insurance

Explore all our plans at SevenCorners.com. If you have questions about what type of plan to choose for your next trip, contact our licensed travel insurance agents today.

*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 Cancel for Any Reason Benefit does not cover Travel Arrangements not provided by the Travel Supplier or the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason. 

IFAR 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 benefit does not cover penalties associated with Travel Arrangements not provided by the Travel Supplier for this Trip and failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason. 

**This time limit varies by state and plan. Review your plan document for details.   

The following disclaimer applies to Seven Corners Trip Protection plans only.

Important Information from the United States Fire Insurance Company

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