Most travel insurance policies will cover weather
conditions
that cause you to cancel, interrupt, or delay your trip,
however, many
have specific requirements that have to be met in order for coverage
to
apply. As an example many policies require the airline to
cease operations
for at least 24 consecutive hours before they will cover a
cancellation.
Some plans will cover your home being made uninhabitable but specify
that
the event that causes the home to be uninhabitable must occur within
10
days of departure. We have briefly indicated these conditions on the
chart below. Click on any of the row headings for details
on what they mean.
|
Cancellations or Interruptions Caused by:
|
|
Company
|
Plan
|
|
|
|
|
|
|
|
Additional
Living Expenses |
|
Access America
|
Classic Comprehensive
|
24 hour delay
|
|
|
with cancel for work reasons
|
|
|
|
$150/day Max. $500
(Min. 6 hour delay)
|
|
Access America
|
Deluxe Comprehensive
|
24 hour delay
|
|
|
with cancel for work reasons
|
|
|
|
$150/day Max. $1,000
(Min. 6 hour delay)
|
|
CSA Travel Protection
|
FreeStyle
|
24 hour delay
|
within 10 days of departure
|
|
|
|
|
|
$150/day Max. $1,000
(Min. 6 hour delay)
|
|
CSA Travel Protection
|
Freestyle Luxe
|
24 hour delay
|
within 10 days of departure
|
|
|
|
|
|
$150/day Max. $1,000
(Min. 6 hour delay)
|
|
Elvia
|
Basics
|
24 hour delay
|
|
|
|
|
|
|
$150/day Max. $300
(Min. 6 hour delay)
|
|
Elvia
|
Family Basics
|
24 hour delay
|
|
|
|
|
|
|
$150/day Max. $500
(Min. 6 hour delay)
|
|
HTH
|
Trip Protector Preferred
|
must have min. required connecting times &
arrive
at least 2hrs prior to departure
|
|
|
|
|
|
|
$150/day Max. $1,000
(Min. 6 hour delay)
|
|
HTH
|
Trip Protector
|
must have min. required connecting times &
arrive
at least 2hrs prior to departure
|
|
|
|
|
|
|
$150/day Max. $1,000
(Min. 6 hour delay)
|
|
IMG
|
Patriot T.R.I.P.
|
24 hour delay
|
only Fire, windstorm, or flood
|
|
|
|
|
|
$100/ day Max. $500.
due to Natural Disaster
(Min. 24 hour delay)
|
|
IMG
|
Patriot T.R.I.P. Elite
|
24 hour delay
|
only Fire, windstorm, or flood
|
|
|
|
|
|
$200/day Max. $1000
due to Natural Disaster
(Min. 24 hour delay)
|
|
MEDEX
|
TravelMed Abroad
|
|
|
|
|
|
|
|
|
|
Seven Corners
|
Round Trip Choice
|
48 hour delay
|
within 10 days of departure
|
|
|
|
|
|
$1,000
(Min. 12 hour delay)
|
|
Seven Corners
|
Round Trip
|
48 hour delay
|
within 10 days of departure
|
|
|
|
|
|
$500
(Min. 12 hour delay)
|
|
AIG Travel Guard
|
Air Ticket Protector
|
24 hour delay
|
|
|
|
|
|
|
$100
(Min. 12 hour delay)
|
|
AIG Travel Guard
|
Cruise, Tour, and Travel
|
no time limit
|
|
|
with cancel for work reasons
|
|
|
|
$200/day Max. $1,000
(Min. 5 hour delay)
|
|
AIG Travel Guard
|
Essential
|
24 hour delay
|
|
|
|
|
|
|
$100/day Max. $500
(Min. 12 hour delay)
|
|
AIG Travel Guard
|
Essential Expanded
|
24 hour delay
|
|
|
|
|
|
|
$100/day Max. $500
(Min. 12 hour delay)
|
|
AIG Travel Guard
|
ProtectAssist
|
no time limit
|
|
|
with cancel for work reasons
|
|
|
|
$150/day Max. $750
(Min. 5 hour delay)
|
|
Travel Insured International
|
Worldwide Trip Protector Gold
Comprehensive
|
24 hour delay
|
|
|
with cancel for work reasons
|
|
|
|
$200/day Max. $1,500 Min. 6 hour delay)
|
|
Travel Insured International
|
Worldwide Trip Protector
Comprehensive
|
24 hour delay
|
|
|
with cancel for work reasons
|
|
|
|
$200/day Max. $750
(Min. 6 hour delay)
|
|
Travel Insured International
|
Worldwide Trip Protector Lite
Expanded
|
24 hour delay
|
|
|
with cancel for work reasons
|
|
|
|
$100/day Max. $500 Min. 6 hour delay)
|
|
Travel Insured International
|
Worldwide Trip Protector Lite
|
24 hour delay
|
|
|
with cancel for work reasons
|
|
|
|
$100/day Max. $500 Min. 6 hour delay)
|
|
Travel Insurance Services
|
Travel Insurance Select Elite
|
applies only to post departure coverage
|
|
|
|
|
|
|
$250/day Max. $1,500
(Min. 12 hour delay)
|
|
Travel Insurance Services
|
Travel Insurance Select Plus
|
applies only to post departure coverage
|
|
|
|
|
|
|
$200/day Max. $1,000
(Min. 12 hour delay)
|
|
Travel Insurance Services
|
Travel Insurance Select Basic
|
applies only to post departure coverage
|
|
|
|
|
|
|
$150/day Max. $750
(Min. 12 hour delay)
|
|
TravelSafe
|
Premier
|
applies only to post departure coverage
|
|
|
|
|
|
|
$250/day Max. $1.000
(Min. 8 hour delay)
|
|
TravelSafe
|
Vacation
|
applies only to post departure coverage
|
|
|
|
|
|
|
$150/day Max. $750
(Min. 8 hour delay)
|
|
Travelex Insurance Services
|
TraveLite
|
24 hour delay
|
|
|
with cancel for work reasons
|
|
|
|
$200/day Max. $750
(Min. 5 hour delay)
|
|
Travelex Insurance Services
|
Travel Plus
|
24 hour delay
|
|
|
with cancel for work reasons
|
|
|
|
$200/day Max. $1,000
(Min. 5 hour delay)
|
|
Company
|
Plan
|
|
|
|
|
|
|
|
Additional
Living Expenses |
|
This is intended to be a brief overview of how travel insurance
plans
currently cover weather conditions. The analysis was based on the
standard
policies for each plan; actual coverage may vary by State. As will
all
insurance you should read the policy provisions and exclusions
carefully
before buying a plan for your trip.
Copyright 2007 QuoteWright.com
|
