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Guide to understanding how travel insurance responds to hurricanes.
Understanding how travel insurance responds to hurricanes can be complex because of the different coverages that are usually found in most travel insurance plans. First trip cancellation and interruption coverages, the predominant feature of most travel policies, are “named peril” coverage. In simple English this means that only those “covered reasons†listed by the insurance companies in their policies are recognized by them as being valid reasons for canceling or interrupting a trip. Most travel policies will only allow you to cancel or interrupt your trip due to weather conditions if they cause your common carrier to stop operating. Usually they require your common carrier to cease operating for a specific time period and as a direct result it causes you to cancel or interrupt your trip. The period of time that your common carrier has to be delayed varies from company to company, starting from none being stated to a minimum of 24 hours. In addition most plans allow you to cancel or interrupt your trip if your home is made uninhabitable due to a natural disaster (hurricanes qualify as one). There is at least one company that also includes your destination being made uninhabitable due to a natural disaster. Companies usually include forced or mandatory evacuations due the hurricane as qualifying as being uninhabitable..
Besides the trip cancellation and interruption coverages many “package plans” have travel delay benefits which will reimburse you for additional living expenses if your trip is delayed due to a natural disaster. The travel delay coverage is another “named peril” coverage and most plans refer to a delay caused by a “natural disaster” as being covered.
As with all insurance the “covered reason†must be unforeseen at the time you are buying the insurance. Generally it means that if the storm hasn’t gotten on the map or hasn’t been upgraded to a hurricane then you should be ok.
This year the National Oceanic & Atmospheric Administration has predicted a record year for hurricanes and tropical storms with the possibility of the hurricane season yielding 9 to 11 hurricanes and 18 to 21 tropical storms. Travel insurance can help you protect the investment you are making in your trip and the best advice is to buy your travel insurance early.
About QuoteWright:
QuoteWright is a division of the BC Group, LLC. of East Hartford, CT. BC Group, LLC. is a licensed insurance agency that specializes in travel insurance coverages. It was established in 2001 and is headquartered in East Hartford, CT. Ever since it’s creation it has been assisting consumers in finding appropriate travel insurance coverage. BC Group is highly intergraded with their partners and offers coverages from the major travel insurance companies. The principals of BC are nationally known and respected experts in the field of travel insurance and have over 80 years of combined experience. Interested parties can find BC Group at http://www.quotewright.com or by calling them at 800-821-4940.
CONTACT INFORMATION
John W. Cook, CLU
President
QuoteWright.com
a Division of the BC Group, LLC.
john.cook@quotewright.com
http://www.quotewright.com
(800) 821-4940 (9:00AM – 5:30PM ET, M-F)
(860) 289-3602 local
(860) 282-6158 fax
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