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Traveling During Hurricane Season? You might want to consider this!

July 28, 2015

darlene_sullivanTraveling to the Caribbean during hurricane season sounds like a crazy idea. Pouring rain and high winds tossing resort beach chairs around like toothpicks. Never mind, the headache of cancelled or delayed flights.

But some budget-savvy travelers have discovered that traveling during hurricane season, which officially runs from June 1 until November 30, is actually affordable and enjoyable.  Hotel deals abound and there are less crowds.

But Mother Nature is an unpredictable force. If you plan to travel during hurricane

Huge hurricane approaching Florida in America. Elements of this image furnished by NASA

season buy travel insurance to protect yourself.

Here are some things you should know about travel insurance:

Travel insurance policies cover two things: trip interruptions and trip cancellations.

Trip cancellations. Say for example, a week before you leave for your Caribbean vacation, a hurricane pummels the coast line, destroys your resort and make the roads on the island impassable. You are forced to cancel your trip. Travel insurance will cover you for the prepaid non-refundable expenses you paid the hotel, tour operators, and drivers to get you to and from the hotel.

Trip interruption. You are enjoying yourself at the resort, when an unexpected natural disaster or a hurricane forces you to evacuate the island. Travel insurance will cover you for the costs associated with getting you home safely.

You can’t buy travel insurance after a hurricane has been named by the National Weather Service. So it’s wise to buy your insurance when you book your vacation.

Keep your receipts. You’ll need them to get reimbursed if your trip gets cancelled or interrupted. So keep track of your hotel room, transportation, and flight receipts.

Travel insurance usually costs between 4 and 8 percent of your trip, depending on the coverage you want.

If you are traveling during hurricane season, shoot me an email at dsullivan@foundersgrp.com.  Don’t skimp on travel insurance because it will save you money in the end.

Buon Voyage!

Darlene Sullivan

Group Benefits Account Manager

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