InsureMyTrip.ca Explains Travel Insurance for Inclement Weather and Natural Disasters: What’s Covered and What’s Not
2024年10月18日 - 10:30PM
As unpredictable weather events become increasingly common, it’s
important to understand how travel insurance covers bad weather and
natural disasters like hurricanes, floods, earthquakes, snowstorms,
and more.
The experts at InsureMyTrip.ca are helping travellers navigate
the fine print of weather-related coverage, clarifying what is
included in most travel insurance policies and common
misconceptions about these protections.
Key
Points:
- Most travel insurance plans provide coverage for inclement
weather such as hurricanes, earthquakes, and snowstorms, but
specifics vary by policy.
- Coverage requires purchasing insurance before the storm is
named or known.
- InsureMyTrip helps travellers compare policies for the best
weather-related coverage.
What Does “Inclement Weather” and “Natural Disasters”
Mean in Travel
Insurance?
Many travel insurance policies refer to weather-related
incidents as “Inclement Weather” or “Natural Disasters” and those
terms are typically defined in the policy to help travellers
understand what is, or isn’t, covered.
Not all weather-related disruptions are treated equally, and
understanding the specifics of coverage is critical when planning a
trip during storm-prone seasons.
"Travel insurance offers financial protection when unexpected
weather events occur," said Suzanne Morrow, CEO of InsureMyTrip.
"However, it's crucial for travellers to thoroughly review their
policies to make sure they may be covered for weather-related
incidents.
How Weather Coverage
Works
When it comes to severe weather, travel insurance may enable
travellers to receive reimbursement of pre-paid, non-refundable
trip costs if they must cancel or interrupt a trip due to severe
weather-related issues covered under the trip cancellation and
interruption benefits.
Scenarios that may trigger travel insurance coverage:
- Flights are grounded due to a weather event: Many plans may
cover a traveller when common carriers - such as airlines and
cruise lines - cease service due to weather. The cessation of
services must be for a certain number of hours.
- A natural disaster a hotel or resort: Many plans may cover a
traveller when their hotel, resort, or vacation rental is
devastated and made uninhabitable by a storm or natural
disaster.
- A weather event damaged traveller’s home: Many plans may offer
coverage when the primary home of a traveller sustains destructive
storm damage that renders the home uninhabitable.
- Reconsidering a trip: For the flexibility to cancel a trip for
reasons other than those listed as "covered reasons" in a policy, a
traveller may consider Cancel for Any Reason (CFAR)
protection.
*It’s important for travellers to review the details of a policy
to confirm they are getting the coverage for which they are
looking.
Finding Weather-Related
Coverage
Most all-inclusive travel insurance policies will provide
coverage for trip cancellations, delays, and sometimes emergency
evacuations in extreme weather scenarios. However, travellers
should be aware that not all policies are created equal.
InsureMyTrip makes it easy for customers to compare policies
side-by-side, ensuring they choose the best coverage for their
specific travel plans and potential weather risks.
Media Contact:
Meghan Kayata
Press@insuremytrip.ca
About InsureMyTrip
You like options. We do too. InsureMyTrip finds you the right
travel insurance plan, every time. We are committed to empowering
travellers to make the best possible insurance decisions by
leveraging our technology, data intelligence, and expertise.
InsureMyTrip is based in the U.S. with an office in
Toronto.
*Not available to Quebec residents.
SOURCE InsureMyTrip
Julie Loffredi
InsureMyTrip
jloffredi@insuremytrip.com