Trip Cancellation or Delay Due to Weather(Hurricanes and other Natural Disasters)

This is an outdated page

This page still has some relevant information and gives a good idea of some of coverage details relevant to weather related coverages. Click here for a current weather coverage comparison chart.

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:

Company
Plan
Additional Living Expenses
Access America
Classic Comprehensive
24 hour delay

with cancel for work reasons

 
 
$150/day Max. $500
(Min. 6 hour delay)
Access America
Deluxe Comprehensive
24 hour delay

with cancel for work reasons

 
 
$150/day Max. $1,000
(Min. 6 hour delay)
CSA Travel Protection
FreeStyle
24 hour delay
within 10 days of departure
     
$150/day Max. $1,000
(Min. 6 hour delay)
CSA Travel Protection
Freestyle Luxe
24 hour delay
within 10 days of departure
     
$150/day Max. $1,000
(Min. 6 hour delay)
Elvia
Basics
24 hour delay
         
$150/day Max. $300
(Min. 6 hour delay)
Elvia
Family Basics
24 hour delay
         
$150/day Max. $500
(Min. 6 hour delay)
HTH
Trip Protector Preferred
must have min. required connecting times & arrive at least 2hrs prior to departure
     
$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
     
$150/day Max. $1,000
(Min. 6 hour delay)
IMG
Patriot T.R.I.P.
24 hour delay
only Fire, windstorm, or flood
         
$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
         
$200/day Max. $1000
due to Natural Disaster
(Min. 24 hour delay)
MEDEX
TravelMed Abroad
 
             
Seven Corners
Round Trip Choice
48 hour delay
within 10 days of departure
       
$1,000
(Min. 12 hour delay)
Seven Corners
Round Trip
48 hour delay
within 10 days of departure
       
$500
(Min. 12 hour delay)
AIG Travel Guard
Air Ticket Protector
24 hour delay
       
$100
(Min. 12 hour delay)
AIG Travel Guard
Cruise, Tour, and Travel
no time limit

with cancel for work reasons

     
$200/day Max. $1,000
(Min. 5 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

with cancel for work reasons

     
$150/day Max. $750
(Min. 5 hour delay)
Travel Insured International
Worldwide Trip Protector Gold Comprehensive
24 hour delay

with cancel for work reasons

     

$200/day Max. $1,500 Min. 6 hour delay)

Travel Insured International
Worldwide Trip Protector Comprehensive
24 hour delay

with cancel for work reasons

     
$200/day Max. $750
(Min. 6 hour delay)
Travel Insured International
Worldwide Trip Protector Lite Expanded
24 hour delay

with cancel for work reasons

     

$100/day Max. $500 Min. 6 hour delay)

Travel Insured International
Worldwide Trip Protector Lite
24 hour delay

with cancel for work reasons

     

$100/day Max. $500 Min. 6 hour delay)

Travel Insurance Services
Travel Insurance Select Elite
applies only to post departure coverage
     
 

$250/day Max. $1,500
(Min. 12 hour delay)

Travel Insurance Services
Travel Insurance Select Plus
applies only to post departure coverage
     
 

$200/day Max. $1,000
(Min. 12 hour delay)

Travel Insurance Services
Travel Insurance Select Basic
applies only to post departure coverage
     
 
$150/day Max. $750
(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

with cancel for work reasons

     
$200/day Max. $750
(Min. 5 hour delay)
Travelex Insurance Services
Travel Plus
24 hour delay

with cancel for work reasons

     
$200/day Max. $1,000
(Min. 5 hour delay)
Company
Plan
Additional Living Expenses

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