Choosing the Right Hurricane Protection Plan

  • Originally published May 19, 2010 , last updated February 4, 2016
Choosing the Right Hurricane Protection Plan

The Atlantic hurricane season runs from June 1 to November 30. June and July are considered “slack” months. It’s not until the latter days of July and August that the waters in the Atlantic, Caribbean and Gulf of Mexico have had a chance to warm and the activity ramps up. Typically tropical storm activity peaks around September 10. For information regarding hurricane activity please visit the National Hurricane Center web site www.nhc.noaa.gov. If you have a vacation getaway planned during any of these months, it may be wise to consider a travel insurance policy to protect your trip investment against this risk.

When it comes to trip cancellation coverage due to weather conditions, we urge our customers to consider policies in which the policy language is more favorable to the consumer. Never assume the plan that you thought was the best deal based on price is going to provide the coverage you need. Read the policy’s description of coverage and research the exact circumstances in which you will be covered for trip cancellation. You will find that some of the less expensive policies don’t provide coverage if your travel destination is wiped out the week before you arrive and there are no alternative accommodations available. Surely airline flights will have resumed within that week so guess what? You would not be covered!

You may have thought at the time that you got a great deal on your travel insurance only to find out later that your policy didn’t do what you expected it to. The old adage “You get what you pay for,” holds true with travel insurance plans as well. Please do your research or call us at 1-866-979-6753. We will be happy to assist you.

Below are the trip cancellation plans we recommend for weather-related trip cancellation. Also listed is the policy language for each plan regarding what must occur (or combination thereof) before you are eligible for weather-related trip cancellation benefits. The first two plans we have listed, Travel Guard Protect Assist and HTH Worldwide Trip Protector, may offer you the best coverage for your money. You will find the policy language regarding weather related cancellations is less restrictive on those plans compared to the other plans listed.

Travel Guard — Protect Assist

  • Inclement weather causing delay or cancellation of travel
  • The insured’s principal residence or destination being made uninhabitable by fire, flood, or similar natural disaster, vandalism, or burglary

HTH Worldwide Trip Protector

  • Arrangements canceled by an airline, cruise line, motor coach company, or tour operator, due to inclement weather
  • Your accommodation at your destination made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster

Travelex Travel Select

  • Weather that causes complete cessation of services of your common carrier for at least 24 consecutive hours
  • A cancellation of your covered trip if your arrival on the covered trip is delayed and causes you to lose 50% or more of the scheduled covered trip duration due to a defined hazard (Trip Cancellation only)
  • Natural disaster at the site of your destination that renders the destination accommodations uninhabitable

TravelSafe Vacation Insurance

  • Accommodations at the insured’s destination made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster
  • Inclement weather that causes complete cessation of the insured’s common carrier for at least 24 consecutive hours
  • Mandatory evacuation or public offcial evacuation advisements by local government authorities at your destination due to adverse weather or natural disaster. In order to interrupt your covered trip, you must have 4 days or 50% or less of your total covered trip remaining at the time the mandatory evacuation ends

Travel Insured International Worldwide Trip Protector Lite Expanded

  • Weather which causes complete cessation of services of your common carrier for at least 24 consecutive hours
  • Natural Disaster at the site of your destination which renders your destination accommodations uninhabitable
  • Mandatory evacuation ordered by local authorities at your destination due to hurricane or other natural disaster. You must have 50% or less of your trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable

CSA Freestyle

  • Accommodations at the insured’s destination made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster
  • Inclement Weather that causes complete cessation of the insured’s common carrier for at least 24 consecutive hours
  • Mandatory evacuation or public offcial evacuation advisements issued by local government authorities at your destination due to adverse weather or natural disaster. In order to cancel your Covered Trip, you must have 4 days or 50% or less of your total covered trip remaining at the time the mandatory evacuation ends

M.H. Ross  Travel Basic

  • Your arrival at your destination is delayed and causes you to lose 50% or more of the scheduled covered trip duration due to any of the unforeseen events covered under Trip Delay
  • Inclement weather which causes your common carrier to delay the departure of your covered trip for at least 24 hours
  • Your or your traveling companion’s primary residence or destination accommodations being made uninhabitable during your covered trip by fire, vandalism, burglary or natural disaster.

Insuractive  Global Trip Protection Elite

  • Organized labor strike, natural disasters or bad weather resulting in the complete cessation of services by a travel supplier for at least 24 consecutive hours

Call Travel Insurance Center at 1-866-979-6753 if you have any questions, or visit us at www.TravelInsuranceCenter.com.