Does My Travel Insurance Cover Natural Disasters

If you are planning to go on a thrill-seeking adventure or spend the holiday abroad, you better plan your trip wisely to ensure that it would turn out as how you expected it. Besides making a list of the tourist spots to see in your travel destination, preparing an itinerary, and trying out the local food, make sure to get a travel insurance policy to ensure a memorable and stress-free trip. Getting a policy will ensure your safety. It can also cover your family members, travel companion, or business partner.

And in case your trip turned out to be not as great as you planned, then don’t worry because your insurance got your back. Of course, it is tough to be caught amid a natural disaster, but there is nothing much within your control. But it is best to be prepared, and you can never be more prepared than with travel insurance.

Keeping abreast amid natural disasters, force majeure

Travel insurers usually offer coverage in case of natural disasters. The traveller may collect certain sums from their respective insurance companies in case of certain events, such as the loss of your personal belongings, falling ill, getting involved in an accident, or even in the happening of a natural disaster. So in case you are in the middle of a supposedly exciting trip but was cut short due to inclement weather or an unfortunate landslide, travel insurance would entitle you to collection of claims.

Force majeure, which may also be referred to as “acts of God,” are standard clauses in contracts. Travel insurance policies also provide that the traveler is covered in case of the occurrence of natural disasters.

Natural disasters covered by travel insurance

There are a few insurance companies which offer notable features ensuring your safety throughout your trip. It is an ideal travel buddy as it will secure you in case of a hapless journey.

They cover natural disasters in the course of your travel. They provide the travellers in case of an avalanche or a landslide. According to the said section, the insured traveller can claim the amount corresponding to the expenses incurred in the event of an avalanche or landslide, which caused a 12-hour delay. Included in the costs are additional room accommodations.

The insurer will cover the traveller who experienced travel disruption or force majeure. They will cover pre-departure irrecoverable sums paid in advance in case of cancellation of the trip due to delay for more than 24 hours because of force majeure.

The company will also cover additional accommodations and travel expenses if the journey home was delayed by more than 24 hours and was caused by force majeure. The insurer will pay the traveller insured under the travel policy for accommodation expenses on the basis is £100 per day for up to 3 days. Food and drink allowance are also included in what the insurance company will cover up to £20 per day.