• Severe Weather and Travel Insurance

    The 2012-2013 snow storm season marked the first year that noteworthy winter storms received names. While winter storms Draco and Nemo have passed, they’ve taught us more than the importance of owning a snow blower.

    Winter storm Nemo ravaged the Northeast with a seemingly endless amount of snow and sleet, causing more than 6,600 flight cancellations [1]. Winter storm Nemo is just one example of why a travel insurance plan, with coverage due to bad weather, may be the single-most important thing your clients can do to prepare for the chaos that weather can unleash on their next trip.

    Winter storm season may be behind us, but Hurricane season is on the horizon, and many of the same concerns still apply. Here are some answers to common questions that your clients may have surrounding hurricane season and its impact on their travel plans.

    Q. How can travel insurance cover my vacation investment in the event of a hurricane or other unforeseen severe weather?
    A. In the event of a covered hurricane or other unforeseen severe weather, travel insurance may provide coverage under the Trip Cancellation and Interruption benefit. If your trip is cancelled for a covered reason, we will refund the pre-paid, forfeited, non-refundable trip costs up to the limit of coverage.

    Q. If a hurricane watch or warning is issued that may impact my travel plans, up to what point can I still purchase travel insurance?
    A. Insurance must be purchased 24 hours prior to the time when the hurricane has been named by the National Weather Service. Once the hurricane has been named, Trip Cancellation and Interruption losses resulting from the hurricane are excluded from the coverage under the policy.

    Q. If the resort that I will be staying at next week is damaged in a storm before my scheduled departure, can I cancel my trip and be reimbursed for my non-refundable costs?
    A. If the resort is damaged and cannot accommodate you (or provide comparable accommodations), your nonrefundable costs may be reimbursed.

    Q. If my airport is closed due to a hurricane or other weather event, and my vacation is delayed, will I be reimbursed?
    A. If your trip is delayed due to a covered reason, travel insurance will cover the reasonable, additional accommodations and travel expenses until travel becomes possible.

    Most insurance plans available through Travel Guard include 24-hour assistance services. This means, if a flight is delayed or cancelled due to a hurricane or other unforeseen event we will work with the airlines on your client’s behalf to book a new flight and get them where they need to be.

    In the end, when your clients find themselves stranded because of the impact of a hurricane or severe weather, your clients will be thankful for the Travel Guard travel insurance plan you were able to suggest to them.

    Sources: [1]: http://www.usatoday.com/story/todayinthesky/2013/02/06/airlines-waive-fees-as-blizzard-menaces-northeast/1897609/  

Travel Guard is one of the nation's leading providers of travel insurance and assistance plans. Comprehensive travel insurance plans through Travel Guard are distributed by more than 12,000 travel companies through virtually every distribution channel in the travel industry.
This plan provides insurance coverage that only applies during the covered trip.
You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 15th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer.

The scenario summarized in this newsletter is offered only as an example. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of the policy. Anyone interested in travel insurance plans available through Travel Guard should request a copy of the description of coverage for a description of the scope and limitations of coverage.