Accessing travel guidance for harsh weather conditions on our online platform protection service
In the ever-changing world of travel, unexpected events can throw a wrench in even the most carefully planned trips. That's where travel insurance comes in, offering a layer of protection against the unpredictable twists and turns that nature might throw your way.
Travel insurance policies often cover trip cancellations, interruptions, delays, lost or delayed luggage, and severe weather events, each with varying coverage details.
For instance, trip cancellations can result in a full refund of prepaid, non-refundable trip costs if you need to cancel due to covered reasons, such as illness or severe weather. Some plans even offer the 'Cancel For Any Reason (CFAR)' add-on for extra flexibility. Berkshire Hathaway ExactCare Value, for example, offers 100% trip cancellation coverage with optional CFAR.
Trip interruptions are often covered up to 150% of the trip cost to reimburse for returning home early or altered plans due to covered emergencies or severe weather. Berkshire Hathaway exactCare Value offers 150% trip interruption coverage.
In the event of trip delays, insurance can reimburse additional expenses due to delays for a specified time threshold, such as 12-24 hours. HTH Travel Insurance covers baggage delay after 12 hours (24 hours under the economy plan).
Lost or delayed luggage is another area where travel insurance can provide a safety net. It covers the replacement of essential items or reimburses the value of lost baggage, sometimes with maximum limits.
Severe weather events are also covered when they cause trip cancellations, interruptions, or delays. Coverage for such events is usually a covered reason for cancellation or interruption under standard trip insurance policies.
In case of natural disasters, travel insurance can provide national disaster evacuation, offering transportation from a dangerous location to a safe one in case of a covered natural disaster event. Trip cancellation benefits can also reimburse up to 100% of non-refundable trip costs if a natural disaster like a wildfire or hurricane makes the home or destination uninhabitable before the trip begins.
The travel insurance provider's support team is composed of real people to answer questions about preparing for or navigating severe weather situations. They are available 24/7, including weekends and holidays, for solutions and advice during severe weather events.
Claims can be filed and approved while in-trip, allowing for quick reimbursement via the provider's app. The travel insurance provider offers assistance and advice on how to handle situations such as storms, fires, and more, even for those who have not traveled with the provider before.
However, it's important to note that if a natural disaster or storm is named or becomes a known event before the plan's effective date, reimbursement may not be provided for the cancel for any reason add-on. The cancel for any reason add-on must be purchased within 14 days of the initial trip deposit and can reimburse up to 75% of the insured non-refundable trip cost. To exercise the cancel for any reason benefit, the trip must be canceled no later than 48 hours prior to the scheduled departure date.
In summary, for comprehensive coverage including cancellations, interruptions, delays, baggage, and weather, plans like Berkshire Hathaway’s ExactCare Value, HTH Travel Insurance (especially the Preferred plan), and Travel Guard’s travel insurance plans are strong options. These plans provide 100% trip cancellation, 150% trip interruption coverage, baggage delay and loss protection (usually after waiting periods), and weather-related trip disruption coverage. Optional CFAR enhances flexibility but at a higher cost and with partial refund percentages. Always read specific policy terms to confirm covered reasons, limits, deductibles, and claim procedures.
Sources: [1] Money (2025) [2] Squaremouth (2025) [3] SeniorLiving.org (2025) [4] International insurance resources (2025)
- In the world of travel, unexpected events like severe weather can cause trip cancellations, interruptions, or delays, and travel insurance offers coverage for such circumstances.
- Travel insurance policies like Berkshire Hathaway's ExactCare Value cover trip cancellations due to illness or severe weather, providing a full refund of prepaid, non-refundable trip costs.
- In case of trip delays, insurance can reimburse additional expenses due to delays for a specified time threshold, and HTH Travel Insurance, for instance, covers baggage delay after 12 hours.
- For extensive coverage, travel plans such as Berkshire Hathaway’s ExactCare Value, HTH Travel Insurance (especially the Preferred plan), and Travel Guard’s travel insurance plans offer 100% trip cancellation, 150% trip interruption coverage, baggage delay and loss protection, and weather-related trip disruption coverage.
