Make sure you buy trip cancellation insurance well in advance of your departure. If you buy travel insurance after a winter or tropical storm has been named, or after the NOAA or a similar agency has issued a warning, your plan won't provide coverage for claims related to that event. However, travel insurance is meant to protect travelers against sudden and unforeseen events - not threats that are already on the horizon when the insurance is purchased. Government authorities order a mandatory evacuation at your destination that is in effect within 24 hours prior to your departure date.The National Oceanic and Atmospheric Administration’s (NOAA) or foreign equivalent has issued a cyclone, hurricane, or typhoon warning at your destination that is in effect within 24 hours prior to your departure date (available only with OneTrip Premier).Your tour operator cancels your multi-day tour that was purchased prior to your departure date due to severe weather (or another covered reason).Your travel carrier cannot get you to your original itinerary’s destination for at least 24 consecutive hours from the originally scheduled arrival time due to severe weather (or another covered reason)."I’d better get travel insurance." They end up cancelling their vacation because of the storm - but their insurance claim is denied.Īllianz Global Assistance names several covered reasons for canceling a trip that can be related to severe weather. A few days before they're supposed to leave, the Weather Channel reports that Tropical Storm Teresa is churning toward the island. Kelly and Gus have been looking forward to their 10th anniversary trip to St. You purchased travel insurance when a big storm was already on the horizon. For help, you can call Allianz Global Assistance claim representatives 24 hours a day, seven days a week at 1-88. This may sound like a lot, but don't get overwhelmed.
In short, send everything you can find that relates to your trip cancellation reasons and costs.
Original unused tickets, copies of invoices, proof of payments, and other documents that substantiate the cost or occurrence of the trip cancellation or interruption.Any explanation of diagnosis along with your original itemized bills, receipts, and proof of other insurance payments.
While we understand that everyone's circumstances are unique, here's a look at some of the most common reasons trip cancellation insurance claims are denied. Travel insurance with trip cancellation benefits is designed to reimburse you for your prepaid, non-refundable expenses in case you have to cancel your trip for a covered reason.