Hurricanes and travel insurance

What You Didn't Know About Hurricanes and Travel Insurance
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Sep 2, 2004, 10:21

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What You Didn't Know About Hurricanes and Travel Insurance


ST. PETE BEACH, Fla., Sept. 2, 2004 -- (HealthNewsDigest.com)...As
Hurricane Frances approaches Florida right after Hurricane Charley,
a little known clause in most travel insurance policies could really
make a difference, but only if you know you are eligible to make a
claim:

Most travel insurance policies have a clause allowing the insured
traveler to return home if their home is rendered uninhabitable.

One insurance agent (http://www.quotetravelinsurance.com) routinely
checks through its database during severe weather events for
customers who live within the affected area but have already left on
vacation. They then contact the traveler, letting them know they can
return home and make a claim.

Chris Harvey, President of quotetravelinsurance.com says, "We are
based in St Pete Beach in Tampa Bay, Florida, so we are acutely
aware of the issues surrounding the potential damage to your home
from hurricanes. If you are on vacation and your home is damaged we
know you will most likely return home immediately. We also know you
probably will not make a claim for the return flight or the unused
portion of your ground or cruise because you may not realize you
can. If you are insured through us and you live in an affected area,
we will contact you as soon as possible to let you know you can
claim, so there is one less thing to worry about."

Other facts about how hurricanes and severe weather impact travel
insurance:

1. You can claim if your flight is cancelled because you are either
traveling to or traveling from an area affected by the hurricane.

2. You can claim if you are in an area that is under a mandatory
evacuation and you have to leave for a few days.

3. You can claim if you are in an area that is under a mandatory
evacuation order and you have to either cut short or extend your
vacation.

4. You can claim if your home was rendered uninhabitable by the
storm.

5. You cannot make a claim if the hurricane or storm was named
BEFORE you purchased insurance.

This is an important part of any type of insurance and is referred
to as a "named event". Chris Harvey explains: "A named event clause
exists within most policies to protect the insurance companies by
stopping people buying insurance when they know something bad may
happen. As soon as a tropical depression becomes a tropical storm
and gets a name, insurance companies will not provide coverage. This
clause is also relevant for other events like terrorism and airline
strikes."

http://www.quotetravelinsurance.com is a website that specializes in
comparing all the major travel insurance plans. The site has unique
research capabilities as well as providing instant quotes, coverage
and confirmation.

For more information contact Chris Harvey at 727-363-3731 or
or visit
http://www.quotetravelinsurance.com.

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"Even I realized that money was to politicians what the ecalyptus tree is to koala bears: food, water, shelter and something to crap on."
---PJ O'Rourke