As hurricane season progresses, many are planning fall trips to areas potentially impacted by tropical storms. Travel experts recommend considering travel insurance, especially for destinations like the Caribbean, Mexico, and the Bahamas. It’s crucial to get insured before a hurricane is named, as policies typically exclude claims for storms that are already recognized.
Suzanne Morrow from InsureMyTrip advises travelers to secure coverage well in advance. If you purchase insurance after a storm is named, while it may still cover unforeseen events, it won’t protect against losses tied to that specific storm.
When selecting a policy, it’s important to compare options and understand coverage specifics, such as protection if a destination becomes uninhabitable or if road closures prevent travel. Additionally, check credit card offerings for any travel insurance benefits, typically applicable only to purchases made with the card.
Lastly, note that not all policies provide cash refunds; some may only offer travel credits. For those planning trips during this season, addressing travel insurance early is key.
