4 Ways Travel Insurance Can Prepare You for Hurricane Season 2016
Summertime is dubbed hurricane season on the East Coast, and for good reason. This year’s Atlantic hurricane season is predicted to be the most active since 2012, with 14 named storms, eight hurricanes, and three major hurricanes expected to hit. So what does this mean for your summer vacation? Is your trip to Jersey ruined? Not necessarily. But it does mean you’ve got a lot of thinking to do, including deciding if you should purchase travel insurance or not. Here are four reasons why travel insurance is a good idea during hurricane season.
Your journey may face a few delays and interruptions
Travel insurance is something that could help even before you reach your destination. Even if you don’t live in an area prone to extreme weather, that isn’t always the case at Hilton Head or on the Jersey Shore. With hurricane season, the chances of there being inclement weather is high – which means you could be at high risk of missing your flight or connecting flight, and potentially having to stay in another city until it’s safe to fly to your destination. If this is something you can agree is a concern, then take comfort in knowing that many travel insurance policies consist of a travel delay and missed connection benefit which would cover you in these situations.
If the weather is too extreme, you may need to cancel your trip
You may ultimately take a deep breath, say “here goes nothing,” and book those flights off to your East Coast destination, despite knowing the risks. You may even go as far as renting out and reserving your beach house for the week. However, just a few days before your trip, you find out a massive hurricane has in fact hit your destination, and your beach house has been damaged. Now is definitely not the right time for you to travel there in the midst of all this chaos, and you need to cancel your trip. It’s times like this when travel insurance may really help you out. Trip Cancellation is another benefit offered under some travel insurance policies, which means if you end up needing to cancel your trip, you can at least stay assured that you won’t lose your money.
You could lose valuables and personal items if a hurricane strikes
You’ve probably read articles here and there that suggest traveling out to the East Coast should be just fine if you take precautionary measures. Fair enough. So here you are, lounging on the beach when you see massive storm clouds headed your way. Your first instinct is to take cover from the approaching storm. Safety is definitely first priority, but what about your belongings and possessions? If you take a look at travel insurance policies’ plan overviews, you may notice the Baggage & Personal Effects Loss benefit that will allow you to be reimbursed up to a certain amount for any lost personal belongings.
You could encounter a hurricane and face an injury
Although none of us would ever wish for this, there is inevitably a risk of being injured during a vicious hurricane. If you aren’t able to escape those massive storm clouds that were headed your way and you require medical treatment, travel insurance can help cover medical costs, including being airlifted to safety in dire emergencies. This would fall under the Emergency Medical Evacuation and Medical Expense benefits of a travel insurance policy, which means your helicopter trip to the hospital and the medical attention needed would be covered.
Hurricane season is no joking matter and we want all of you to remain safe if you're venturing to the East Coast this summer. For additional information or if you have questions about travel insurance, don’t hesitate to contact us.