Coronavirus (COVID-19) and travel: The situation around the world is changing dramatically. Various governments have changed their travel warnings to restrict travel during this time. To understand how this may impact cover under your policy, please go to our FAQs and select your country of residence.
For the latest travel warnings and alerts around the world, read about lockdowns and border restrictions.
It’s not possible to draw a firm line on whether any place is “safe” or not following a disaster. Earthquakes, wildfires, and terrorist attacks can happen at any time, without warning. That being said, the likelihood of being the victim of an earthquake or terror attack is small. These risks shouldn’t deter you from traveling, but you should be prepared in case something does happen.
Hurricanes are somewhat easier to predict, but even there, experts only know a week or so in advance whether a storm is likely to become a hurricane, and the exact path or strength of the storm is hard to pinpoint. Currently, the official hurricane season in the North Atlantic is from June 1 to November 30, so it’s possible another severe storm could hit the Caribbean or southeastern US this year. Storms can and occasionally do happen outside of this time frame, but it’s rare. 2022 has also been an unusually active hurricane season in the Eastern and Central Pacific.
Again, the best plan is to be prepared, and not wait until the last minute to get out of the path of the storm. Here’s what to do in the event of a hurricane.
If a disaster has already happened, whether it’s safe to visit depends on how badly the infrastructure was damaged. Getting around might be challenging, and certain areas might be off limits – destruction to roads and hospitals might put emergency response systems under strain. If some areas are still without electricity, curfews may be in effect because of the elevated risk of crime or injury.
Natural disasters such as floods can also cause outbreaks of diseases like typhoid or cholera. So it’s wise to check on local conditions before visiting, and use your best judgment.
If the airports are operational, some hotels and major roads are open, the air quality isn't hazardous, and there are no severe shortages of food, water, or power, you can generally assume the destination is safe to visit.
Many of the places that were affected by recent events, such as Fort Myers in Florida and the islands of Puerto Rico and Cuba, are heavily dependent on tourism. The Caribbean region, in particular, is more reliant on tourism than any other region in the world.
Some Caribbean islands were still recovering from the impacts of 2017 Hurricanes Irma and Maria and 2018 Hurricanes Dorian and Michael when the COVID-19 pandemic hit. So your tourist dollars can go a long way towards aiding their comeback.
Bear in mind that the longer a destination goes without visitors, the harder it will be for them to get back on their feet.
Once places are ready to receive visitors, try to spread your dollars across multiple vendors. Consider visiting a place that’s suffered the effects of recent disasters and is now recovering, rather than a place that was left untouched. And instead of spending all your money at a resort, go eat at the local restaurants or buy souvenirs from a local craft stand.
It depends. Depending on your country of residence, if you made your plans and purchased insurance before the hurricane, fire, or earthquake became a known event, you may be covered for trip cancellation if your accommodations at the destination were made uninhabitable or there has been a cessation of travel services for at least 24 hours due to the disaster.
But you wouldn’t be covered if you bought a plan after the disaster, went to the destination, and found your accommodations weren’t habitable due to that storm or disaster.
If you travel to the region shortly after the disaster and make a claim unrelated to that disaster, you would most likely be covered.
And if you bought a plan now, you would likely be covered against future disasters provided they aren’t currently known or forecasted events (a hurricane or typhoon becomes a known event once it’s given a name – earthquakes, fires, or terrorist incidents become known at the time they happen).
You can buy at home or while traveling, and claim online from anywhere in the world. With 150+ adventure activities covered and 24/7 emergency assistance.
You can buy at home or while traveling, and claim online from anywhere in the world. With 150+ adventure activities covered and 24/7 emergency assistance.Get a quote