Travel Insurance Weather Coverage Chart

Many travel insurance comprehensive package policies cover adverse weather conditions that cause you to cancel, delay, or interrupt your trip or cruise.  

Most  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. Use our weather related coverage chart below to help you determine which plan would best cover your trip when it comes to weather related delays or cancellations. Note that this chart is intended for general information and as always specific policy provisions apply.

The following chart shows in brief what that particular travel insurance policy is offering for each benefit.  

Common Carrier Minimum hours delay refers to how long your common carrier must be delayed or cancelled before the trip cancellation or trip interruption benefit will go into effect for you.  The lower the number of hours listed, the better for you.

Uninhabitable Home/ Destination is whether the policy covers Natural Disasters that make either your home or destination uninhabitable.  The best plans provide coverage for both. Pay attention to how the insurance policy defines uninhabitable.

Missed Connection helps you “catch up” to your trip if your common carrier is delayed.  Less hours stated the better for you. All plans have specific limits as to how much they will pay.

Travel Delay helps reimburse you for unexpected living arrangements, such as hotels and meals until you can resume your trip if your carrier is delayed by weather or other specific reasons.

Mandatory Evacuation coverage is for having to cancel or interrupt your trip is there is a weather or natural disaster that triggers a mandatory evacuation order given at your destination.

For more information about travel insurance and natural disasters please see our page on Hurricanes and Travel Insurance.

. *Plan does not specifically mention "mandatory evacuation" however, they refer to your destination being inaccessible or uninhabitable which is almost the equivalent.