Am I covered by travel insurance in case of a hurricane, cyclone or monsoon?

Yes, there's cover for hurricanes!

It goes without saying that you need to have your policy before these wiley whirling dervishes of destruction become a known natural disaster and have a name. So if you’ve done that, we’ll do everything we can to help you.
Here are the coverages that are in the plan:
  • If a named hurricane strikes your home residence – meaning the place where you live at least half the year – and your home is uninhabitable, you most likely will need to cancel your trip. As soon as your trip is cancelled, you should file your claim to seek reimbursement for prepaid, nonrefundable travel expenses. 
  • In the same way, if, while you’re on vacation, a named hurricane has caused extensive damage your home, you’ll need to get back as quickly as possible. This is where your travel insurance can help you get flights back home as soon as possible, and once home you need to file your claim. 
  • If your regularly scheduled flight is delayed for three (3) hours or cancelled due to inclement weather, the policy provides coverage for lost prepaid, nonrefundable expenses and new transportation expenses (up to the unused trip cost value) to get back to your home province.
  • If, after you have booked your trip and purchased your insurance, a “defer travel” recommendation advising travelers not to go to your destination is issued by the Canadian Government or Health Canada, there’s coverage for your unused trip arrangements, plus additional (reasonable) expenses to either get you home or to the next destination on your itinerary. The recommendation or written formal warning must be issued after the effective date of your policy.

What’s not covered

  • Non-medical emergency evacuation
  • When a defer travel recommendation is issued before your purchase your travel insurance or book your trip.
The preceding information is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the policies described. Please refer to the actual policies for complete details. Policies not valid in Quebec. Should you have any questions, feel free to give us a call.

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Telephone: 1 877 328 2528

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