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Know natural disasters cover in travel insurance

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Published on June 30, 2021. EST READ TIME: 2 minutes

A natural disaster is typically defined by travel insurance plans as “a flood, fire, hurricane, tornado, earthquake, volcanic eruption, blizzard, or avalanche that is due to natural causes.” But it’s important to note that not all of these disasters are included in every plan’s description of coverage. Some travel insurance plans specifically exclude events like volcanic eruptions and avalanches, for example, classifying them as ‘acts of God’ instead.

Does travel insurance covers natural disaster?

Travel insurance is meant for covering all types of uncertainties that might come your way and interrupt your well planned vacation. Similarly, travel insurance offer natural disaster coverage. Be it a flood scenario or earthquake impact, due to which you might have faced injuries, under such circumstances travel insurance covers natural disaster impacts. Your flight might get delayed due to a natural disaster, whatever expenses you incur during the interim duration your travel insurance offers coverage. Many insurance companies offer cover for medical evacuation and repatriation.

Limits on travel insurance cover for natural disasters

As with all insurance plans, travel insurance places limits on the coverage it will pay out for natural disasters. Specifically:

• Trip cancellation and trip interruption benefits are paid only if the traveler will lose at least 50% of their trip due to the mandatory evacuation orders.
• If your destination is adversely affected by the storm, it must be uninhabitable in order to make a claim – not simply that it wasn’t as you expected or the pool was damaged (in that case, it’s the travel supplier’s responsibility to make it up to you).
• Non-medical emergency evacuation coverage pays for all reasonable expenses incurred for your transportation to the nearest place of safety.
• All coverage includes maximum limits that place a cap on the amount the travel insurance company will pay – anything over that amount will come out of the traveler’s pocket.

It’s important to understand that every travel insurance plan varies according to the travel insurance provider’s definitions and reading the plan carefully is the only way you’ll know exactly what coverage you have for natural disasters.

Benefits of buying travel insurance covering natural disasters

Buying a travel insurance that covers natural disaster will provide a sigh of relief and keep your travel worries at bay. It will also protect your finances and help you reach home safely. In case you lose your passport while travelling, many travel insurance companies such as HDFC ERGO helps you in recovering your lost passport. Hence, if you are still thinking which travel insurance covers natural disasters? Then, choose HDFC ERGO Travel insurance and enjoy a risk free vacation.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales