Most travel insurance policies will cover weather conditions
that cause you to cancel, interrupt, or delay your trip, however, many
have specific requirements that have to be met in order for coverage to
apply. As an example many policies require the airline to cease operations
for at least 24 consecutive hours before they will cover a cancellation.
Some plans will cover your home being made uninhabitable but specify that
the event that causes the home to be uninhabitable must occur within 10
days of departure. We have briefly indicated these conditions on the chart below. Click on any of the row headings for details on what they mean.
Cancellations
or Interruptions Caused by:
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Company
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Plan
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Additional Living Expenses |
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Access America
|
Basics
|
24 hour delay
|
|
|
|
|
|
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$150/day Max. $300
(Min. 6 hour delay)
|
|
Access America
|
Family
Basics
|
24 hour delay
|
|
|
|
|
|
|
$150/day Max. $500
(Min. 6 hour delay)
|
|
Access America
|
Classic
Comprehensive
|
24 hour delay
|
|
|
|
|
|
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$150/day Max. $500
(Min. 6 hour delay)
|
|
Access
America
|
Deluxe
Comprehensive
|
24 hour delay
|
|
|
|
|
|
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$150/day Max. $1,000
(Min. 6 hour delay)
|
|
CSA Travel Protection
|
FreeStyle
|
24 hour delay
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within 10 days of departure
|
|
|
|
|
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$150/day Max. $1,000
(Min. 6 hour delay)
|
|
CSA Travel Protection
|
Freestyle
Luxe
|
24 hour delay
|
within 10 days of departure
|
|
|
|
|
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$150/day Max. $1,000
(Min. 6 hour delay)
|
|
HTH
|
Trip
Protector Preferred
|
must have min. required connecting times & arrive at least 2hrs prior to departure
|
|
|
|
|
|
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$150/day Max. $1,000
(Min. 6 hour delay)
|
|
HTH
|
Trip
Protector
|
must have min. required connecting times & arrive at least 2hrs prior to departure
|
|
|
|
|
|
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$150/day Max. $1,000
(Min. 6 hour delay)
|
|
IMG
|
Patriot
T.R.I.P.
|
24 hour delay
|
only Fire, windstorm, or flood
|
|
|
|
|
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$100/ day Max. $500.
due to Natural Disaster
(Min. 24 hour delay)
|
|
IMG
|
Patriot
T.R.I.P. Elite
|
24 hour delay
|
only Fire, windstorm, or flood
|
|
|
|
|
|
$250/day Max. $500
due to Natural Disaster
(Min. 24 hour delay)
|
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MEDEX
|
TravelMed
Abroad
|
|
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|
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Seven Corners
|
Round
Trip Choice
|
48 hour delay
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within 10 days of departure
|
|
|
|
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$1,000
(Min. 12 hour delay)
|
|
Seven Corners
|
Round
Trip
|
48 hour delay
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within 10 days of departure
|
|
|
|
|
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$500
(Min. 12 hour delay)
|
|
AIG Travel Guard
|
Air
Ticket Protector
|
24 hour delay
|
|
|
|
|
|
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$100
(Min. 12 hour delay)
|
|
AIG Travel Guard
|
Cruise,
Tour, and Travel
|
no time limit
|
|
|
|
|
|
|
$200/day Max. $1,000
(Min. 6 hour delay)
|
|
AIG Travel Guard
|
Essential
|
24 hour delay
|
|
|
|
|
|
|
$100/day Max. $500
(Min. 12 hour delay)
|
|
AIG Travel Guard
|
Essential
Expanded
|
24 hour delay
|
|
|
|
|
|
|
$100/day Max. $500
(Min. 12 hour delay)
|
|
AIG Travel Guard
|
ProtectAssist
|
no time limit
|
|
|
|
|
|
|
$150/day Max. $1,500
(Min. 12 hour delay)
|
|
Travel Insured International
|
Worldwide Trip Protector Comprehensive
|
24 hour delay
|
|
|
|
|
|
|
$150/day Max. $750
(Min. 6 hour delay)
|
|
Travel Insured International
|
Worldwide
Trip Protector Gold Comprehensive
|
24 hour delay
|
|
|
|
|
|
|
$150/day Max. $1,250
(Min. 6 hour delay)
|
|
Travel Insurance Services
|
Travel Insurance Select
|
applies only to post departure coverage
|
|
|
|
|
|
|
 $ 150/day Max. $600
(Min. 12 hour delay)
|
|
Travel Insurance Services
|
Travel Insurance Select with Cancel for Any Reason
|
applies only to post departure coverage
|
|
|
|
|
|
|
$150/day Max. $600
(Min. 12 hour delay)
|
|
TravelSafe
|
Premier
|
applies only to post departure coverage
|
|
|
|
|
|
|
$250/day Max. $1.000
(Min. 8 hour delay)
|
|
TravelSafe
|
Vacation
|
applies only to post departure coverage
|
|
|
|
|
|
|
$150/day Max. $750
(Min. 8 hour delay)
|
|
Travelex Insurance Services
|
TraveLite
|
24 hour delay
|
|
|
|
|
|
|
$200/day Max. $750
(Min. 5 hour delay)
|
|
Travelex Insurance Services
|
Travel
Plus
|
24 hour delay
|
|
|
|
|
|
|
$200/day Max. $1,000
(Min. 5 hour delay)
|
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Company
|
Plan
|
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Additional Living Expenses |
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This is intended to be a brief overview of how travel insurance plans
currently cover weather conditions. The analysis was based on the standard
policies for each plan; actual coverage may vary by State.
As will all insurance you should read the policy provisions and exclusions
carefully before buying a plan for your trip.
Copyright 2007 QuoteWright.com
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