credit cards with travel perks<\/a>, including trip delay insurance. Therefore, they think they’re covered in case of a weather event like a hurricane.<\/p>\n“The problem with credit card coverage is that the coverage is very low, like $5,000 for medical,” she said.<\/p>\n
That’s well below what you might need in a true emergency.<\/p>\n
“Remember that your credit card won’t cover anything not purchased on that card,” Hummer added. “So, if you haven’t paid for your whole trip with that card or if other people in your group used another payment method, you won’t be fully covered.”<\/p>\n
<\/p>\n
Not buying a policy with a 24-hour help desk<\/h2>\n
If there’s a policy that costs less but doesn’t offer round-the-clock help, skip it.<\/p>\n
“Make sure you buy a policy with 24\/7 assistance,” Hummer said.<\/p>\n
She also added that if you’re in a situation where a hurricane has closed the airport, “Call your travel insurer first; they can pay for hotels and meals while you’re waiting on hold with the airline.”<\/p>\n
<\/p>\n
Not getting enough coverage<\/h2>\n
While you don’t have to pay a premium for a travel insurance package during hurricane season, you do need to have enough coverage to get you home and cover any emergencies.<\/p>\n
According to Hummer, $50,000 in medical and $100,000 in medical evacuation are the minimums your package should include.<\/p>\n
<\/p>\n
Forgetting that a hurricane can happen at home, too<\/h2>\n
Travel insurance can still be beneficial, even if you’re not going to a tropical area.<\/p>\n
“Let’s say you live in South Carolina, but you’re taking an Alaskan cruise,” Godlin said. “As you’re getting ready to embark on your dream vacation, a hurricane hits the coast and decimates your home. What can you do? If you purchased travel protection and your home is rendered uninhabitable, that can be a covered reason for trip cancellation.”<\/p>\n
That’s definitely a worst-case scenario, but it’s a good reminder that hurricanes can happen at home or while you’re away, depending on your origin and destination.<\/p>\n
<\/p>\n
Paying too much for hurricane coverage<\/h2>\n
“Buy the cheapest policy with the coverage you need,” Hummer said.<\/p>\n
She suggests using a comparison engine and remembering that “just because you’re paying more doesn’t mean you get more coverage.”<\/p>\n
She explains that different travel insurance agencies have different formulas and take a variety of factors into account, like age and destination; oftentimes, prices vary while coverage doesn’t. Instead, make sure you’re getting the coverage and assistance outlined above, and choose the option that costs the least.<\/p>\n
<\/p>\n
Bottom line<\/h2>\n
This year’s hurricane season is predicted to be an extremely active one. If you’re planning on traveling in the Atlantic Basin region \u2014 which includes the Caribbean, Florida, the Gulf Coast and the Carolinas \u2014 it’s a good idea to buy travel insurance in case your plans are disrupted by severe weather. Just remember that when a storm is named, it’s too late to purchase a plan, so be sure to get an early start if you want to protect your travel purchase.<\/p>\n
Related reading:<\/strong><\/p>\n<\/div>\n
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