Weather/Natural Disaster Coverage

20 April 2011

This coverage provides reimbursement for your pre-paid travel expenses (up to the policy limit) in the event your primary residence or travel destination is rendered uninhabitable due to a weather-related natural disaster prior to or during your trip. This is a listed covered reason under trip cancellation coverage and trip interruption coverage.

Contents (click to jump down)
What does Weather/Natural Disaster cover?
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
Summary

Let us tell you a story

Jim and his son, Jason, had long planned a pre-college summer trip before sending Jason off to school. They decided to visit Mexico City and immerse themselves in Spanish lessons while fitting in some of the surrounding sites.

In June, just a month before their trip, Jim was glad he travel insurance protection that included trip cancellations for natural disasters because Mexico City was hit with a terrible earthquake. The inn where they were to stay was in crumbles. Jim was able to cancel their trip and quickly schedule a safe fishing adventure in Montana as a substitute.

What does Weather/Natural Disaster cover?

Travel insurance coverage for weather-related natural disasters includes losses due to hurricanes, tornadoes, volcanoes, earthquakes, and floods.

This coverage is considered a covered reason for trip cancellation or trip interruption benefits in the event:

  • your primary residence or destination is rendered uninhabitable due to a weather-related natural disaster
  • your airline, cruise line, tour operator, or travel supplier stops all services for at least 24 consecutive hours due to a natural disaster or severe weather

Some plans include adverse weather as a covered reason for travel delay benefits as well. Specifically the trip protection plans from HTH Worldwide allow for this benefit.

Important notes about this coverage

  • This coverage is considered a covered reason for pre-trip cancellations and post-departure trip interruptions in travel insurance package plans

What type of policy covers this?

Travel insurance package plans provide coverage for weather-related losses of travel costs, but travel medical plans do not, with one exception. The following plan provides some coverage in the event you are displaced from paid accommodations due to mandatory evacuations as a result of forecasted natural disasters or following a natural disaster:

How much coverage does each company provide?

PlanCompanyHome UninhabitableDestination UninhabitableAirlines Cease Services
Protect-a-GroupTravelSafeYesYesYes
VacationTravelSafeYesYesYes
Vacation ClassicTravelSafeYesYesYes
PlusTravel InsuranceYesYesYes
EliteTravel InsuranceYesYesYes
BasicTravel InsuranceYesYesYes
Tee, Tour, and TravelTravel GuardYesYesYes
Sportsman's TravelTravel GuardYesYesYes
Pack 'n GoTravel GuardYesYesYes
Adventure TravelTravel GuardYesYesYes
PlatinumTravel GuardYesYesYes
Savvy TravelerTravel GuardYesYesYes
My Travel GuardTravel GuardYesYesYes
GoldTravel GuardYesYesYes
Travel Rite AnnualTravel GuardYesYesYes
SilverTravel GuardYesYesYes
BasicTravel GuardYesYesYes
Business Traveler *Travel GuardYesYesYes
Travel PlusTravelexYesYesYes
Travel MaxTravelexYesYesYes
Travel LiteTravelexYesYesYes
Select AdvantageTravelexYesYesYes
BasicTravelexYes
SelectTravelexYesYesYes
Liaison WorldwideSeven CornersYes
RoundTrip EliteSeven CornersYesYes
RoundTripSeven CornersYes
RoundTrip Economy *Seven CornersYesYes
RoundTrip ChoiceSeven CornersYes
BridgeMH RossYesYesYes
CompleteMH RossYesYesYes
AssetMH RossYesYesYes
Trip Protector e-SaverHTH WorldwideYesYesYes
Trip ProtectorHTH WorldwideYesYesYes
Trip Protector PreferredHTH WorldwideYesYesYes
PreferredGlobal AlertYesYesYes
Preferred PlusGlobal AlertYesYesYes
EssentialGlobal AlertYesYesYes
No coverageFrontierMEDEX
CustomCSAYesYesYes
Custom LuxeCSAYesYesYes
Classic (Comprehensive)AllianzYesYesYes
Deluxe (Comprehensive)AllianzYesYesYes
BasicAllianzYes

* Available as an optional upgrade

Summary

  • This coverage is typically offered in travel insurance package plans, but almost never in travel medical plans
  • This coverage is considered a covered reason for pre-trip cancellations and trip interruptions
  • This coverage never applies to situations where the property is still open for business – it must be uninhabitable
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Damian Tysdal
Author
DamianTysdal

Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.

Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.