As hurricane season starts sending big storm up the coast, many people consider purchasing travel insurance.
Here are some travel insurance basics for hurricane season
1. You can claim if your flight is cancelled because you are either
traveling to or traveling from an area affected by the hurricane.
2. You can claim if you are in an area that is under a mandatory
evacuation and you have to leave for a few days.
3. You can claim if you are in an area that is under a mandatory
evacuation order and you have to either cut short or extend your
vacation.
4. You can claim if your home was rendered uninhabitable by the
storm.
5. You cannot make a claim if the hurricane or storm was named
BEFORE you purchased insurance.
This last point is important. Basically, it states that you cannot buy insurance for your trip after the storm was named. This is referred to as the “named event” clause, and also applies to events like terrorism and airlinne strikes. This is also why travelers are encouraged to purchase their travel insurance as soon as possible, so they are covered for such events.
