Travel Insurance

Does Travel Insurance Cover You During Hurricane Beryl?

Does Travel Insurance Cover You During Hurricane Beryl?

As Hurricane Beryl sweeps across the region, our hearts go out to those affected by its impact. We sincerely hope that travelers and their loved ones remain safe during this challenging time. 

For those wondering about travel insurance coverage during hurricanes, we’re here to provide clarity and reassurance.

Does Travel Insurance Cover Hurricanes?

The answer is that travel insurance may cover hurricane-related trip interruptions, but it’s crucial to understand the specifics of your policy.

Here’s what you need to know:

  • Most trip insurance plans include coverage for trip cancellations, interruptions, or delays caused by natural disasters, which could include hurricanes.
  • Some policies may cover additional expenses such as extended accommodations or additional transportation due to a hurricane.
  • Natural disaster coverage only includes spontaneous, unforeseen inclement weather events that were not forecasted before you purchased your travel insurance policy. For example, in the case of a hurricane, you must have purchased your policy before the hurricane was named in order to be eligible for coverage.

What to Do if Your Travel Plans Are Interrupted by a Hurricane

There could be a multitude of ways that travelers are affected by Hurricane Beryl, including delayed or canceled flights or getting stuck in a travel destination longer than anticipated due to delayed transportation.

If your travel plans are interrupted by a hurricane, having travel insurance can help you navigate a stressful time and provide you peace of mind knowing that if you have to reroute your travel or stay additional nights in your destination due to a weather event, you can be covered.

Here are some steps to take if you find your travel plans interrupted by a hurricane:

  • Contact your travel insurance provider to understand options and coverage
  • Reschedule air travel or transportation as necessary to travel safely
  • Keep all receipts and documentation of canceled or delayed flights, additional transportation, or hotel or accommodation expenses related to the natural disaster

Once you are safe back at home, you can file a claim for your lost or additional expenses through your travel insurance provider for reimbursement.

What Can Travel Insurance Cover in a Hurricane?

The coverage you can receive for a natural disaster depends on the type of travel insurance policy you hold. 

Travel medical insurance plans often offer a natural disaster benefit which can provide a reimbursement of a specific amount as listed in the policy’s description of benefits due to being displaced because of an ordered evacuation due to a natural disaster.

Trip insurance policies can offer coverage for prepaid and nonrefundable trip costs lost due to a trip interruption, delay, or cancellation because of a natural disaster under special circumstances. This can include situations such as not being able to reach your destination due to a natural disaster or a natural disaster making your accommodations inhabitable.

Since coverage will vary from plan to plan, it is important to read your policy’s description of coverage to understand under what circumstances you are covered when travel is interrupted by a natural disaster.

Frequently Asked Questions (FAQ)


Does travel insurance cover hurricanes?

Yes, travel insurance can cover trip related losses due to a hurricane, but the extent of coverage depends on the specific policy. It’s essential to read the policy details to understand what is included.


What is the best hurricane travel insurance?

The best hurricane coverage travel insurance is trip insurance, which is insurance that protects your trip’s prepaid and nonrefundable expenses in the event of an interruption, delay, or cancellation for a covered reason.


How can I find the best travel insurance for hurricane season?

Use the VisitorsCoverage comparison tool to compare top policies side-by-side. Enter your trip details, and the tool will display a list of plans that meet your criteria, allowing you to choose the best travel insurance for hurricane coverage.


What should I do if a hurricane impacts my travel plans?

If a hurricane affects your travel plans, contact your travel insurance provider immediately. They will guide you through the process of rerouting your travel and can assist you in filing a claim for any lost or new covered expenses.


Can I buy travel insurance with hurricane coverage after a storm is named?

If you purchase a travel insurance policy for a destination where a natural disaster is already named or forecasted, you likely won’t be covered for natural disasters. However, you’ll still have coverage for other circumstances listed on your policy. To avoid a gap in coverage, it is best to purchase travel insurance well in advance of your scheduled travel plans.

Need More Help? Contact VisitorsCoverage!

If you still have questions about travel insurance and hurricanes, don’t hesitate to reach out to our award-winning Customer Success Team. We’re here to help you find the best coverage and answer any questions you may have.