In the latest issue of Kiplinger’s Personal Finance there is an interesting article by Sean O’Neill called “What happens if Mother Nature plays havoc with your vacation?”. The article holds personal interest for me not only because I was one of the sources used but also because it involves an area of travel insurance where policies vary and where we get a lot of questions from consumers.
The article points out where travel insurance policies may cover you in case your trip has to be cancelled or interrupted due Mother Nature. You have to be very careful in reviewing a travel insurance plan before buying for any specific reason because coverage does vary from plan to plan.
Most travel insurance plans will only cover you for cancellations or interruptions if Mother Nature causes your common carrier to be delayed for a specific time period or if your home is made uninhabitable due to Her antics. Only one company extends coverage if your destination is made uninhabitable; Travel Guard. The best source for information is to get a travel insurance quote and review the plans “covered reasons” for trip cancellation/interruption. You can also read our article, “Travel Insurance and Natural Disasters”, for a more in depth review of how coverage is effected by Mother Nature. Remember, be an informed consumer and if you need help our QuoteWrights are ready to help. Just give us a call at 800-821-4940.