Planning a late summer or early fall golf trip to the Carolinas, Florida or Texas? Make your arrangements, but protect your deposits and pre-payments with trip cancellation/interruption insurance in case of storms or hurricanes.? We are nearing the peak of hurricane season and you don?t want to be in one. Take my word for it.
I have weathered several hurricanes and been through the eye of more than one and I can tell you the thrill of the experience wears off very quickly.? Terror sets in fast.
Once a tropical storm reaches hurricane status on the Safir Simpson scale you need to get out of the way.
But if your travel plans take you into the path or even close to an impending storm you want to be able to change your plans quickly. That?s what many travellers get trip cancellation/interruption insurance for.
But you need to know what you?re buying. There are lots of exclusions and limitations, and you can?t just cancel a trip on a whim if you think a storm may get close your vacation destination or may cause you some slight inconvenience.? The storm has to render your destination uninhabitable, or cancel your flights, and in most cases it must disturb your plans for a given period of time not just a day or a few hours.
For example, some policies will not cover your cancellation claim if a storm disrupts your vacation for less than three days and leaves the other days habitable.
There are also limits on how much your plan will pay out.? You may pave paid $10,000 in deposits or prepayments, but if your plan is limited to a $2,000 payout, you better know that ahead of time.
And you also need to know what qualifies as appropriate warning of a storm.? If a friend in South Carolina calls and tells you to cancel your trip because he feels a storm is going to hit the area and the big blow never materializes, you are out of luck.? Only an official hurricane warning by the government weather service or a notice by Canada?s Department of Foreign Affairs and International Trade (DFAIT) posted on its website is considered official warning. And in any case, before you cancel, check with the person or office that sold you the policy and get them to clarify your cancellation options.
Trip cancellation/interruption plans are good products to protect you from natural or manmade disturbances.? But they have limitations and requirements and you need to know these before you make your vacation commitments.? Most also require you to buy the insurance at virtually the same time you buy your trip, so check with your insurer before you put down any deposits.
All travel insurers advertising on this site meet TravelinsuranceFile?s acceptability criteria for out-of-country health benefits for Canadian residents. All offer savings trip cancellation/disruption plans to protect you for hurricanes and other natural disasters. You can also buy online, but do so when buying your trip.
Source: http://travelinsurancefile.com/headlines/protect-against-hurricane-season-it%E2%80%99s-here/
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