Published On: Fri, Sep 8th, 2017

Travel Insurance May Cover Some Irma Expenses

PHOTO: Hurricane Dennis in Florida. (photo via Pixabay/10308 images)

Good news for Florida residents: If you bought a travel insurance policy before Hurricane Irma was named, you may be covered for some expenses related to any travel you have had to cancel due to the storm. 

According to a Squaremouth survey, Florida residents are the second-most frequent travelers in the U.S. and tend to protect their trips. This means that many Floridians fleeing Hurricane Irma may be able to receive benefits from their travel insurance policies. 

Trip insurance can come in handy for a number of reasons. 

Travel insurance covers many unforeseen events, including terror attacks and inclement weather. If your home is damaged by a storm, many travel insurance policies will refund a person’s entire trip cost if the trip is canceled due to the home being rendered uninhabitable.

Travel insurance also refunds travelers who cancel their trip because their destination is under a mandatory evacuation or the hotel is uninhabitable. 

If you purchased travel insurance before August 30, when Irma was officially named as a storm, you may be able to recoup some of your money if you have had to cancel an upcoming trip. 

In order to receive a refund, you must have purchased a policy that includes trip cancellation coverage. 

For those filing claims, Squaremouth recommends travelers keep a copy of their itinerary as well as try to get a statement from the airline or an updated itinerary substantiating the cancellation. 

READ MORE: How Does Travel Insurance Work During a Hurricane?

If the cancellation is due to mandatory evacuation or a hotel being uninhabitable, Squaremouth suggests finding documentation in the form of a local news article or a statement from the hotel detailing the conditions in order to substantiate the claim. 

While Hurricane Irma is at the forefront of everyone’s mind right now, it’s important to know travel insurance also covers earthquakes, such as the one that just occurred in Mexico

If you purchased a travel insurance policy before the earthquake occurred, you may be covered under your policy’s Travel Delay and Missed Connection benefits for a flight delay.

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