Travel Insurance Weather Coverage Chart

Many travel insurance comprehensive package policies cover adverse weather conditions that cause you to cancel, delay, or interrupt your trip or cruise.  


Travel Insurance Weather Coverage Chart

Many travel insurance comprehensive package policies cover adverse weather conditions that cause you to cancel, delay, or interrupt your trip or cruise.  

Most  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. Use our weather related coverage chart to help you determine which plan would best cover your trip when it comes to weather related delays or cancellations. Note that this chart is intended for general information and as always specific policy provisions apply.

The following chart shows in brief what that particular travel insurance policy is offering for each benefit.  

Common Carrier Minimum hours delay refers to how long your common carrier must be delayed or cancelled before the trip cancellation or trip interruption benefit will go into effect for you.  The lower the number of hours listed, the better for you.

Uninhabitable Home/ Destination is whether the policy covers Natural Disasters that make either your home or destination uninhabitable.  The best plans provide coverage for both. Pay attention to how the insurance policy defines uninhabitable.

Missed Connection helps you “catch up” to your trip if your common carrier is delayed.  Less hours stated the better for you. All plans have specific limits as to how much they will pay.

Travel Delay helps reimburse you for unexpected living arrangements, such as hotels and meals until you can resume your trip if your carrier is delayed by weather or other specific reasons.

Mandatory Evacuation coverage is for having to cancel or interrupt your trip is there is a weather or natural disaster that triggers a mandatory evacuation order given at your destination.

For more information about travel insurance and natural disasters please see our page on Hurricanes and Travel Insurance.

Use our weather related coverage chart to help you determine which plan would best cover your trip when it comes to weather related delays or cancellations. Note that this chart is intended for general information and as always specific policy provisions apply


Trip Cancellation/Interruption Coverage

 
 
Company Plan Common Carrier Min. hours delay Uninhabitable home and/or destination Missed Connections   Travel Delays Mandatory evacuations

Generali  Global Assistance

Generali Global Assistance

Standard 0 hours Home and Destination 3 hours - $500

$ 1,000 

$150/per day per person

Maximum/ 10 hours.

Yes 
Preferred 0 hours Home and Destination 3 hours - $750

$ 1,000 

$300/per day per

person Maximum/ 6 hours.

 Yes
Premium    0 hours  Home and Destination 3 hours - $750

$ 1,000 

$300/per day per

person Maximum/ 6 hours. 

Yes 

 RoamRight

RoamRight

Essential  24 hours  Home and Destination  $ 200 

Delay of 6 or more hours

$ 500 

$100 limit per day/12

hour delay

 Yes
Preferred  24 hours   Home and Destination  $ 500 

Delay of 6 or more hours

$ 1,000 

$200 limit per day/6

hour delay

Yes 
Elite  24 hours   Home and Destination  $ 750 

Delay of 6 or more hours

$ 1,500 

$200 limit per day/6

hour delay 

Yes 

 Travel Guard  

Travel Guard

Basic  24 hours  Home and Destination  None

$ 500 

$100 per day maximum/12 hours

 No*
Silver  24 hours  Home and Destination  None

$ 500 

$100 per day maximum/12 hours 

No* 
Gold   0 hours  Home and Destination  $ 250 

Delay of 3 or more hours

$ 750 

$200 limit per day/5 hour delay 

No* 
Platinum
  0 hours  Home and Destination  $ 250 

Delay of 3 or more hours

$ 1,000 

$200 limit per day 

No* 

CF Travel Insured International

Travel Insured International

Worldwide Trip Protector Lite
 24 hours  Home and Destination $300 minimum delay of 12 hours $100 limit per day/12 hour delay  No 
Worldwide Trip Protector
 24 hours  Home and Destination  $500 minimum delay of 3 hours

$1,000

$200 limit per day/6 hour delay  

 Yes
Worldwide Trip Protector Plus
 24 hours  Home and Destination  $500 minimum delay of 3 hours

$1,000

$200 limit per day/6 hour delay  

Yes 

 Travelex Insurance Services

Travelex Insurance Services   

Basic
 0 hours  Home and Destination  $ 500 

3 hours or more caused by airlines delays

$ 500 

5 Hour Delay / Max $250 per day 

No 
Select
 0 hours  Home and Destination  $ 750

$ 500 

5 Hour Delay / Max $250 per day 

No* 
Select with Medical Upgrade  0 hours    Home and Destination    $ 750  

$ 500 

5 Hour Delay / Max $250 per day  

No*   

. *Plan does not specifically mention "mandatory evacuation" however, they refer to your destination being inaccessible or uninhabitable which is almost the equivalent. 

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Recommended Travel Insurance Plans

The following are the top 3 plans out of 15 available to you. All coverage limits and premiums are in US $.
Company & Plan Name Travel Insurance Weather Coverage Chart Total Premium

Travelex Insurance Services

Travel Basic

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Inclement weather causing delay or cancellation of common carrier

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Travel Guard

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Travel Guard

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No Minimum Delay Time
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