People often think of purchasing travel insurance in case they’re injured during their trip, but it can also help in the event of extreme weather. If you’re traveling during the wintertime, consider getting trip protection that will provide help if there’s a storm when you’re leaving home or in your destination. One of the best things about getting this type of insurance is that it can help in the event of many types of weather issues that cause cancellations or delays.
Airport Closings and Flight Delays
While it’s rare for an airport to completely close, if it does happen, your travel insurance could help reimburse you for your pre-paid and non-refundable trip costs. All sorts of travel expenses can be covered in addition to your flights, such as accommodations and cruises. Your travel insurance will provide help until the airport has reopened and you’re able to safely travel. When it comes to flight delays that last upwards of six hours or more (depending on the policy), you can be reimbursed for incidentals like temporary accommodations and meals.
If your destination has just been hit by a nasty winter storm, you’ll likely have to cancel your trip. If you have trip protection that covers weather events, you can be reimbursed even for non-refundable costs, like your flights and accommodations. Travel insurance can help reimburse you even when the providers have sold you non-refundable tickets or bookings.
Additionally, if your home has been damaged because of a winter storm prior to your trip and you need to cancel your trip in order to deal with the problem, insurance may be able to reimburse you. Sometimes the damage to your home is big enough that you have to change or cancel travel plans in order to handle repairs.
Booking Alternative Flights
If you’re currently on vacation when a winter storm hits and you desperately want to get home, the travel insurance company’s emergency assistance services may be able to work with the airline to possibly get you on an alternative flight. If your flight has been cancelled, your insurance will help you to get a reservation on another flight so that you can get home as soon as possible.
It’s tempting to book a trip during the off-season because you can get some great deals. However, since there’s a higher likelihood of bad weather, you’ll want to protect yourself in the event of a storm. When Mother Nature has different plans for your protection, you can still be prepared.