Travel Insurance and Natural Disasters

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A guide to travel insurance and coverage for natural disasters.

Recently there have been many questions about travel insurance and natural disasters and whether or not coverage exists for these “acts of God.” John Cook, President of QuoteWright.com a division of the BC Group, LLC., explained recently that there are many travel insurance policies and that most of them will respond to these types of emergencies. Perhaps the most popular type of travel insurance are the “Package” plans that are pre-bundled by insurance companies and sold as a Package of coverages. Coverages contained in these packages will vary from policy to policy even within the same insurance company. Some of the coverages will pay for losses due to a natural disaster. Here are some of the more popular coverages found in Package Policies and how they may respond:

Trip Cancellation/Interruption: Usually not covered. Trip Cancellation/Interruption is named “peril” coverage and most policies do not include the “peril” of natural disaster. Those that do will require that the disaster causes your home or destination to be uninhabitable. Natural disasters that are caused by weather are also covered by some policies as long as your common carrier is delayed or cancelled as a direct result.

Travel Delay: Most policies will cover travel delays (additional living expense) due to a natural disaster. This coverage is also named “peril” coverage and most policies include natural disasters as a “peril”.

Medical Expense: Most travel medical coverages are broad coverages and will cover medical expenses due to injuries sustained as a result of a natural disaster.

Emergency Medical Evacuation: Same as medical expense. Generally this a broad form of coverage that will pay for Emergency Medical Evacuations caused by either injuries or sicknesses as a result of a natural disaster. This coverage usually also provides for the shipment of mortal remains and sometimes will pay for a family member to join an injured client.

Accidental Death and Dismemberment: Most policies that offer this coverage do so as a broad form that will provide benefits as a result of Death or Dismemberment caused by injuries received as a result of a natural disaster. Some Accidental Death and Dismemberment coverage are restricted to accidents that occur while riding on a common carrier or on a scheduled airline. These types would not respond unless the accident occurred while as passenger.

Baggage: Usually broad coverage that would provide coverage for lost or damaged baggage and personal effects that were the result of the natural disaster.

“It is important that consumers understand the travel insurance that is available and that they make an informed decision when they choose a policy for their trip” explained Mr. Cook.

About BC Group, LLC.: BC Group, LLC. is a travel insurance aggregator that was established in 2001 and is headquartered in East Hartford, CT. Ever since it's creation it has been assisting consumers in finding appropriate travel insurance coverage. BC Group is highly intergraded with their partners and offers coverages from the major travel insurance companies. The principals of BC are nationally known and respected experts in the field of travel insurance and have over 80 years of combined experience. Interested parties can find BC Group at http://www.quotewright.com or by calling them at 800-821-4940.

QuoteWright is a trademark of the BC Group, LLC.

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Susan Marino
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