Volcanoes: Are You Covered?

Volcanoes: Are You Covered? ​

  • Melanie Danko
Jan 09, 2018

When you think of potential natural disasters or weather related disruptions that may occur on your vacation, more than likely you think of hurricanes, severe winter storms, or even earthquakes. However, Bali has recently made the news for a lesser-discussed type of natural disaster: volcanic eruptions. The volcano began erupting in September 2017, and the area experienced 844 volcanic earthquakes, peaking at 300 to 400 earthquakes. Then, on November 25th, a magmatic eruption began and over 100,000 people in a 6 mile radius of the volcano were ordered to evacuate. As of December, the volcano still remains active.

Most recently, a in Papua New Guinea that was thought to be dormant has erupted for the first time in known history, emitting ash thousands of feet into the air and resulting in the evacuation of over 500 residents.

So, how can you protect yourself and your trip from a potential volcanic eruption? Volcanic eruptions are difficult to predict and their impact can vary, based on the activity. If you are traveling to a region that has volcanic activity, you may want to consider Trip Protection insurance. This policy covers your non-refundable, prepaid trip cost if you are unable to take your trip due to a covered reason – using RoundTrip Elite as an example, the covered reason trigger in the case of a volcano would be considered “Inclement weather that causes complete cessation of services for at least 48 consecutive hours of the common carrier on which you are scheduled to travel.”

If you purchase a policy and a volcano erupts before your trip, you would be covered. However, Once the volcano erupts, you cannot buy trip protection insurance  and be covered. If a policy is purchased after a known  weather related incident, then trip cancellation benefits would not apply as it would no longer be considered an “unforeseen event.”

Generally, this guideline applies only to new policies that are effective on or after the event, and covering travel during such time. It does not apply to new policies that cover travel after the event has passed.

Remember: Always refer to your plan document. Terms and conditions vary by program.

About the Author

Melanie Danko

Melanie Danko joined the Seven Corners team in August 2016. She is curious about exploring the world and has a passion for writing and hearing other peoples’ stories. In her free time, you can find her spending time with friends and family (including her mutt, Drake.. yes, named after the singer).

Read more of Melanie’s blogs

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