"When customers call asking about Hurricane Matthew, we advise them not to buy a policy, because they won't be covered," said Squaremouth spokesperson
Affected travelers who had a policy with hurricane coverage in place before Hurricane Matthew was named could be covered to cancel their trip or return home early if they meet their policy's requirements.
Typically, policies require the hurricane to render your accommodations uninhabitable or cause your flight or cruise to be canceled or significantly delayed. Some policies allow you to cancel if there is a hurricane warning in effect for your destination right before your trip, or if there is a mandatory evacuation at your destination.
"The possibility of bad weather during your vacation is not enough to cancel," said Taft. "Travel insurance generally requires a hurricane to directly impact your trip to qualify for cancellation coverage."
Most policies include medical and evacuation coverage for affected travelers. Every policy comes with 24-Hour Emergency Assistance, which travelers can contact to receive help or ask questions about their coverage.
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