Does Travel Insurance Cover Natural Disasters

Travelers can buy insurance until departure, but it’s vital to know that claims for known natural disasters aren’t covered.

A known event includes forecasted snowstorms, named hurricanes, and erupting volcanoes. Insurance covers potential, harmful events that haven’t occurred yet.

That’s why early travel insurance is recommended.

Natural disasters in travel insurance typically include floods, fires, hurricanes, tornadoes, earthquakes, volcanic eruptions, blizzards, and avalanches due to natural causes.

Some plans exclude events like volcanic eruptions and avalanches as ‘acts of God.’

This differs from mere bad weather, so choose your plan wisely.

Travel insurance for natural disasters
Travel insurance can provide assistance for travel disruptions caused by natural disasters and severe weather conditions. Yet, it is crucial to review the policy documents carefully to grasp the full extent of the coverage offered: Photo courtesy (Reddit)

Travel insurance coverage for natural disasters

Travel insurance plans typically cover natural disasters through various options:

  1. Trip Cancellation and Interruption: Benefits are provided if mandatory evacuation or official orders are issued due to a natural disaster, rendering your residence uninhabitable. It also covers employment-related cancellations or interruptions.
  2. Non-Medical Emergency Evacuations: If local authorities or the US State Department recommend leaving the country due to a natural disaster, coverage is available.
  3. Missed Connections and Trip Delays: Benefits are paid if you miss a cruise or experience delays due to a natural disaster, reimbursing unexpected expenses and additional transportation costs.
  4. AD&D and Medical/Dental Care: If you’re injured or killed during travel due to a natural disaster, benefits cover medical expenses or provide reimbursement to beneficiaries within plan limits.
  5. Emergency Medical Evacuation and Repatriation: If injured and requiring treatment not available locally, insurance coordinates and pays for evacuation. In case of death, arrangements are made to return your body home.

Limits on travel insurance cover for natural disasters

Travel insurance sets specific limits on natural disaster coverage:

  1. Trip Cancellation and Interruption: Benefits are granted if at least 50% of the trip is lost due to mandatory evacuation orders.
  2. Destination Condition: To make a claim, the destination must be uninhabitable, not merely falling short of expectations or having minor damages.
  3. Non-Medical Emergency Evacuation: Covers reasonable expenses for transportation to the nearest safe location.
  4. Coverage Limits: All benefits have maximum caps; any amount exceeding this limit is the traveler’s responsibility.

Each insurance plan varies, so understanding the provider’s definitions by thoroughly reading the policy is essential to know the exact coverage for natural disasters.


Leave a Comment