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.
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What does Weather/Natural Disaster cover?
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
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.
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:
Some plans include adverse weather as a covered reason for travel delay benefits as well.
This coverage is considered a covered reason for pre-trip cancellations and post-departure trip interruptions in travel insurance package plans
Travel insurance package plans provide coverage for weather-related losses of travel costs, but travel medical plans do not, typically.
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.