Travel Insurance That Covers Natural Disasters – Reviewed!
As travelers, we all want to explore the world without worrying about unforeseen circumstances that might disrupt our plans. One of the biggest concerns for many of us is the risk of natural disasters such as hurricanes, earthquakes, floods, and wildfires. These disasters can cause significant damage to properties, infrastructure, and even lives, forcing travelers to cancel or cut short their trips.
In this article, we’ll review some of the best travel insurance policies that cover natural disasters, helping you make an informed decision when choosing a policy for your next adventure.
What is Natural Disaster Travel Insurance?
Natural disaster travel insurance is a type of insurance policy that specifically covers travelers against unforeseen natural events such as earthquakes, hurricanes, floods, landslides, and wildfires. These policies usually provide coverage for trip cancellations, interruptions, and delays caused by natural disasters, as well as medical expenses and emergency evacuations.
Features to Look for in a Natural Disaster Travel Insurance Policy
When shopping for a natural disaster travel insurance policy, here are some essential features to look for:
- Coverage for natural disasters: Ensure the policy explicitly covers natural disasters such as earthquakes, hurricanes, floods, landslides, and wildfires.
- Trip cancellation and interruption coverage: Look for policies that cover trip cancellations and interruptions due to natural disasters.
- Delay coverage: Choose a policy that provides coverage for itinerary delays caused by natural disasters.
- Medical expenses: Ensure the policy covers medical expenses incurred due to natural disasters.
- Emergency evacuations: Consider a policy that covers emergency evacuations due to natural disasters.
- Personal liability: Look for policies that provide coverage for personal liability in case of accidents or damages caused by natural disasters.
- Trip delay expenses: Consider policies that cover expenses incurred due to delays, such as additional accommodation costs, food, and transportation.
Top 10 Travel Insurance Policies That Cover Natural Disasters
- Allianz Travel Insurance
Allianz Travel Insurance offers a range of natural disaster coverage options, including trip cancellations, interruptions, and delays due to earthquakes, hurricanes, floods, and wildfires.
- Coverage for natural disasters: Yes
- Trip cancellation and interruption coverage: Yes
- Delay coverage: Yes
- Medical expenses: Yes
- Emergency evacuations: Yes
- Personal liability: Yes
- Trip delay expenses: Yes
- Price: $20-$100 per trip
- AXA Travel Insurance
AXA Travel Insurance provides comprehensive coverage for natural disasters, including trip cancellations, interruptions, and delays due to earthquakes, hurricanes, floods, and wildfires.
- Coverage for natural disasters: Yes
- Trip cancellation and interruption coverage: Yes
- Delay coverage: Yes
- Medical expenses: Yes
- Emergency evacuations: Yes
- Personal liability: Yes
- Trip delay expenses: Yes
- Price: $20-$100 per trip
- Travelex Travel Insurance
Travelex Travel Insurance offers a range of natural disaster coverage options, including trip cancellations, interruptions, and delays due to earthquakes, hurricanes, floods, and wildfires.
- Coverage for natural disasters: Yes
- Trip cancellation and interruption coverage: Yes
- Delay coverage: Yes
- Medical expenses: Yes
- Emergency evacuations: Yes
- Personal liability: Yes
- Trip delay expenses: Yes
- Price: $20-$100 per trip
- World Nomads Travel Insurance
World Nomads Travel Insurance provides comprehensive coverage for natural disasters, including trip cancellations, interruptions, and delays due to earthquakes, hurricanes, floods, and wildfires.
- Coverage for natural disasters: Yes
- Trip cancellation and interruption coverage: Yes
- Delay coverage: Yes
- Medical expenses: Yes
- Emergency evacuations: Yes
- Personal liability: Yes
- Trip delay expenses: Yes
- Price: $20-$100 per trip
- RoamRight Travel Insurance
RoamRight Travel Insurance offers a range of natural disaster coverage options, including trip cancellations, interruptions, and delays due to earthquakes, hurricanes, floods, and wildfires.
- Coverage for natural disasters: Yes
- Trip cancellation and interruption coverage: Yes
- Delay coverage: Yes
- Medical expenses: Yes
- Emergency evacuations: Yes
- Personal liability: Yes
- Trip delay expenses: Yes
- Price: $20-$100 per trip
- TravelGuard Travel Insurance
TravelGuard Travel Insurance provides comprehensive coverage for natural disasters, including trip cancellations, interruptions, and delays due to earthquakes, hurricanes, floods, and wildfires.
- Coverage for natural disasters: Yes
- Trip cancellation and interruption coverage: Yes
- Delay coverage: Yes
- Medical expenses: Yes
- Emergency evacuations: Yes
- Personal liability: Yes
- Trip delay expenses: Yes
- Price: $20-$100 per trip
- InsureMyTrip Travel Insurance
InsureMyTrip Travel Insurance offers a range of natural disaster coverage options, including trip cancellations, interruptions, and delays due to earthquakes, hurricanes, floods, and wildfires.
- Coverage for natural disasters: Yes
- Trip cancellation and interruption coverage: Yes
- Delay coverage: Yes
- Medical expenses: Yes
- Emergency evacuations: Yes
- Personal liability: Yes
- Trip delay expenses: Yes
- Price: $20-$100 per trip
- Squaremouth Travel Insurance
Squaremouth Travel Insurance provides comprehensive coverage for natural disasters, including trip cancellations, interruptions, and delays due to earthquakes, hurricanes, floods, and wildfires.
- Coverage for natural disasters: Yes
- Trip cancellation and interruption coverage: Yes
- Delay coverage: Yes
- Medical expenses: Yes
- Emergency evacuations: Yes
- Personal liability: Yes
- Trip delay expenses: Yes
- Price: $20-$100 per trip
- Trawick International Travel Insurance
Trawick International Travel Insurance offers a range of natural disaster coverage options, including trip cancellations, interruptions, and delays due to earthquakes, hurricanes, floods, and wildfires.
- Coverage for natural disasters: Yes
- Trip cancellation and interruption coverage: Yes
- Delay coverage: Yes
- Medical expenses: Yes
- Emergency evacuations: Yes
- Personal liability: Yes
- Trip delay expenses: Yes
- Price: $20-$100 per trip
- HCC Travel Insurance
HCC Travel Insurance provides comprehensive coverage for natural disasters, including trip cancellations, interruptions, and delays due to earthquakes, hurricanes, floods, and wildfires.
- Coverage for natural disasters: Yes
- Trip cancellation and interruption coverage: Yes
- Delay coverage: Yes
- Medical expenses: Yes
- Emergency evacuations: Yes
- Personal liability: Yes
- Trip delay expenses: Yes
- Price: $20-$100 per trip
Conclusion
When it comes to traveling, it’s essential to have the right insurance coverage to protect yourself against unforeseen circumstances. Natural disaster travel insurance policies can provide valuable peace of mind and financial protection against trip cancellations, interruptions, delays, medical expenses, and emergency evacuations.
In this article, we’ve reviewed the top 10 travel insurance policies that cover natural disasters. When choosing a policy, be sure to look for the essential features mentioned above and compare prices to find the best option for your needs.
Remember, natural disaster travel insurance policies are not one-size-fits-all, and it’s essential to carefully review the terms and conditions of each policy to ensure you have the right coverage for your specific needs.
Final Tips
- Read the fine print: Before buying a policy, carefully review the terms and conditions to ensure you understand what is covered and what is not.
- Choose a reputable insurer: Research the insurer and check their financial stability and reputation.
- Compare prices: Compare prices and coverage options to find the best value for your money.
- Consider add-ons: Consider add-ons such as coverage for pre-existing medical conditions or trip cancellations due to terrorism.
- Check the policy maximum: Ensure the policy maximum is adequate for your specific needs.
By taking these steps and choosing a natural disaster travel insurance policy that meets your needs, you can relax and enjoy your travels knowing you’re protected against unforeseen circumstances.
