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Hurricane-Related Travel Insured Coverage

by John Stone | Feb 16, 2011
A benefits and coverage description for hurricane related events in Travel Insured's plans.

Trip Cancellation

Travel Insured International’s Worldwide Trip Protector plans can provide coverage for Trip Cancellation if weather causes complete cessation of your flight or cruise for 24 or more consecutive hours. This coverage can also protect you if a hurricane or natural disaster renders your destination accommodations uninhabitable. And it can protect you if your primary residence is made uninhabitable by a flood or other natural disaster within 10 days of your scheduled departure.

Trip Interruption

Mandatory Evacuation: If local authorities order a mandatory evacuation at your destination due to a hurricane or other natural disaster during your trip and at the end of the evacuation you have 50% or less of your trip remaining, this coverage can protect you.

(Mandatory Evacuation is not covered as a reason for Trip Interruption on our Lite or Lite Expanded plans.)

Cancel for Any Reason

When you are concerned about the potential of traveling when a storm might be building but has not yet reached your destination, your best option is to purchase a Cancel for Any Reason upgrade within 21 or 30 days of your initial trip deposit, depending on the plan selected. This option will allow you to cancel up to two or more days prior to your scheduled destination for up to 75% reimbursement of your non-refundable prepaid vacation costs. But remember the insurance and option must be purchased before the storm is named for coverage to apply.

(The Cancel for Any Reason option is not available on our Lite or Lite Expanded plans.)

Trip Delay

A weather-caused delay of your flight or cruise for six or 12 or more hours can provide Trip Delay coverage of up to $500, $750, or $1,500 depending upon the terms of the Worldwide Trip Protector plan you purchase.

Missed Port of Call

Worldwide Trip Protector and Gold plans offer a "Missed Port of Call" benefit that addresses cruise or tour disruptions due to unforeseen events such as hurricanes. Insured passengers who prepay for a non-refundable shore activity in a port of call, or a scheduled stop on a tour, but miss the activity due to a change of itinerary, can be reimbursed up to $750 unless the missed activity is rescheduled during the course of the trip.

Missed Connection

This coverage can protect you if, as a result of a weather-related disruption of your flight or cruise for a minimum of 3 or 6 hours (depending on your plan), you miss your cruise or tour departure. Benefits can be paid up to the limits specified on your selected Worldwide Trip Protector plan.

Not all insurance products or coverages are available in all jurisdictions. Coverage is subject to actual policy language.

Coverage is offered by Travel Insured International, California lic. no.0I13223, 855 Winding Brook Drive, Glastonbury, CT 06033. The plans contain insurance benefits underwritten by the United States Fire Insurance Company, 305 Madison Ave, Morristown, NJ 07960. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. United states Fire Insurance Company is currently authorized to transact business in all states and the District of Columbia. NAIC No. 21113. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2016. The plans also contain non-insurance Travel Assistance Services that are provided by an independent organization, and not by United States Fire Insurance Company or Travel Insured International. Coverages may vary and not all coverage is available in all jurisdictions. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of our plans. Louisiana residents looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured.