Does Travel Insurance Cover Weather

Most travel insurance policies will cover situations where you’re unable to reach your destination due to severe weather conditions, such as roads being blocked by snow or flood.

You would be reimbursed for non-refundable costs and possibly additional expenses incurred due to the delay.

Amid bad weather, travelers have some protection through travel credit cards with insurance benefits covering weather-related incidents like trip cancellation and delays.

However, for extended, medically required, or high-cost trips, it’s advisable to consider additional travel insurance to fill any gaps left by the credit card coverage.

What To Know About Travel Insurance For Bad Weather Cancellations

Before buying any travel insurance policy, be sure to get the gist of what coverage is included from your credit card.

Here’s what to look for.

Are you covered

Coverage depends on the purchase method: credit card – some benefits apply, debit card or check – no coverage unless a travel insurance policy is bought.

Third-party policies require receipts and credit card statements for claims.

Winter Weather

If airplanes are still flying, trip cancellation and trip delay benefits usually don’t apply.

But flights changed by an airline may count toward trip cancellation.

If a flight or tour is canceled by an airline, train, or bus line because of severe weather, travelers could file a claim to recover nonrefundable costs lost as a result of the storm.

Named Storms

A traditional travel insurance plan may not cover claims resulting from a named storm, unless the plan was purchased before it was named.

Travel insurance from credit cards may not have the same restrictions, but often only covers incidents directly resulting from weather.

Also read: Is Viking travel insurance worth it?

Trip Cancellation

Despite the name, not all reasons for canceling a trip are covered.

Travelers can’t file a travel insurance claim because they anticipate bad weather.

But if the weather forces them to miss a trip or return home early, credit card travel insurance could help recover costs.

“For something weather-related, a credit card can provide up to $10,000 in trip cancellation,” Benna says. “But if travelers want something more comprehensive, they can purchase a third-party insurance.”

Trip Delay Insurance

Those who get stuck at the airport for an hour or two may not be covered by trip delay insurance; travelers often have to be stranded for six to 12 hours before they can request reimbursement.

Before spending for a hotel or meals during a trip delay, be sure to check benefit explanations.

Lost Or Delayed baggage

Airplanes’ delays due to bad weather can also affect luggage.

Travelers can claim reimbursement for incidentals if their luggage goes missing for 6 to 12 hours, depending on the plan.

Credit card insurance may offer better coverage in certain cases.

For permanently lost bags, credit card baggage insurance can provide reimbursement if the items were in the airline’s or common carrier’s care.

Claims must be filed within 20 days after a report is created with the carrier.

Travel Insurance Plus Weather Disruptions, Recapped

Certain credit cards include travel insurance as a benefit, and sometimes, this coverage is enough to help you weather a storm.

If you’re traveling during a time of year or in a destination that has a higher likelihood of storms, wildfires, hurricanes or other natural disasters, consider purchasing a stand-alone travel insurance policy.

Below is a video clip discussing the situations covered and those not covered by travel insurance;

Frequently Asked Questions (FAQs)

Can travel insurance shield me from all kinds of weather conditions?

Travel insurance typically has your back when severe weather conditions disrupt your travel plans, say, for example, when a snowstorm cancels your flight.

But remember to pore over your policy documents to understand the details of what is and isn’t covered.

If a storm is looming on my travel dates, will travel insurance cover me?

If you’ve purchased travel insurance after a storm or severe weather advisory has been issued, it’s likely your policy won’t cover disruptions related to that storm.

That’s why it’s essential to purchase travel insurance as soon as you book your trip.

What if the weather is looking gloomy and I want to cancel my trip?

If you’re looking to cancel your trip simply because of a less-than-perfect weather forecast, standard travel insurance may not cover you.

However, if you have a ‘Cancel for Any Reason’ (CFAR) policy, you’re entitled to cancel your trip for any reason, including poor weather, and get a partial refund of your trip costs.

I can’t reach my destination due to severe weather, am I covered?

Yes, most travel insurance policies will cover situations where you’re unable to reach your destination due to severe weather conditions, such as roads being blocked by snow or flood.

You would be reimbursed for non-refundable costs and possibly additional expenses incurred due to the delay.

The weather is nice now, but what if a hurricane occurs while I’m at my destination?

If a severe weather event like a hurricane occurs during your trip, causing disruptions or making your accommodation uninhabitable, your travel insurance policy could help cover additional travel and accommodation expenses.

Ensure you’re familiar with your policy details and contact your insurer as soon as possible to confirm coverage in such an event.

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