Travel Insurance
Travel insurance usually costs between 5 percent and 7 percent of
the cost of the trip and can be purchased through travel agents, online
insurance comparison sites or directly through insurance carriers.
Chris Harvey, president of Squaremouth.com, an online travel insurance
comparison company, said travelers should purchase the insurance 10
to 21 days after the first deposit is made on a trip in order to have
the maximum coverage, which includes disruptions due to terrorism
or pre-existing health conditions.
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But just what kind of claims are travelers eligible to make when a
hurricane thwarts their plans?
Here's a basic lesson in travel insurance and everything you need
to know to get some of your money back when disaster strikes:
When You Can Claim
--Travelers are eligible to file a claim if a flight was cancelled
when either traveling to or traveling from an area affected by a hurricane
or other disaster
-- If a major storm leaves your home uninhabitable, travel insurance
will cover the trip if you decide to cancel or leave your vacation
early.
-- Your trip will also be covered if you are forced to evacuate a
certain area and either extend or cut your trip short.
--Travel insurance will also cover the cost of your trip if you are
forced to leave an area temporarily as the result of a mandatory evacuation
order.
-- You won't be able to make a claim if you purchased travel insurance
after a hurricane was already forecasted and named.
What You Can Claim
-- If you're injured or fall ill during the course of your trip, travel
insurance will pay for emergency medical expenses and even medical
evacuation.
-- Lost or stolen baggage is also covered under most travel insurance
policies. If baggage is delayed, policyholders can also obtain reimbursement
for the purchase of necessities that were made before retrieving your
luggage.
-- Don't go hungry or sleep in the airport. Most travel insurance
policies will pick up the tab for food purchases, hotels and alternate
means of transportation if your flight is cancelled or delayed.
While it may be the furthest thing from a policyholder's mind when
faced with the destruction of a major natural disaster, it's important
for travelers to file a claim with insurers as soon as they're forced
to cancel or leave early from a trip, said Dan McGinnity, vice president
of Travel Guard International.
Some companies require policyholders to make a claim within 48 hours
of a trip disruption, he said. While others may be more lenient, its
a good rule of thumb to file as soon as you suffer a loss to prevent
delays or lapses in coverage
