The value of travel insurance becomes apparent when unexpected events occur and things go wrong. It is important to purchase travel insurance soon after making travel arrangements because known risks will generally not be covered. For example, if one is planning to travel during hurricane season (June 1st-November 30th) and a hurricane is forecast and named, insurance will not protect the traveler from any damage or loss caused by the storm. In the unfortunate event of a hurricane, flights may be canceled or delayed, food and hotel expenses could increase, and those who are unable to return to work right away will suffer further monetary loss.
Plan Ahead and Buy Travel Insurance with Hurricane Coverage
However, simple planning can alleviate stress from these unexpected issues. Travel insurance offers one the ability to recover costs and make alternative travel plans. For example, in the unfortunate aftermath of hurricane Sandy, many people were stranded on the east coast due to inclement weather. Flights were delayed or canceled and travelers incurred extra expenses during the days and weeks they were forced to remain away from their homes. Throughout this time, many were unable to return to work, so their financial loss was even greater.
When considering purchasing hurricane travel insurance, keep in mind time the time of year of the trip, the origin of departure, and the destination. Hurricane season generally falls between June 1st and November 30th and effects the areas along the U.S. East Coast and Atlantic region. The best plan will be purchased within days after payment of the trip, and will be a comprehensive package that offers hurricane coverage as part of the covered reasons for trip cancellation and trip interruption benefits. Hurricane trip protection will reimburse cancellations which occur prior to one’s travel dates and also trip interruptions during the trip.
Hurricane insurance offers invaluable trip protection. For the monetary costs it covers, as well as the alleviation of further stress, insurance against hurricanes can be bought for as little as 4%-8% of the entire cost of the trip.