Hurricane Hits the Caribbean from nj.com
Hurricane Sandy is on the East Coast….heading for the North Atlantic… after blasting the Bahamas and Cuba.
Dozens of cruise ships have rerouted itineraries…. and ships that port in New York are heading northward to beat the storm.
But what if places you wanted to visit are eliminated due to bad weather? It is not exactly the same cruise for which you paid.
This is a chance we travelers take when we book travel near the Atlantic, Caribbean, and Gulf of Mexico between July and November. There are plenty of good reasons to travel during this period – prices are generally lower because it is hurricane season, and in many places not much rain.
One way to protect yourself, and I am a big fan, is to buy travel insurance. Some insurance providers sell a plan called “Cancel For Any Reason, ” which really follows it’s name. If your cruise ship is rerouted to places you’ve already been and don’t want to see them again… or some other reason….you can usually cancel two days before departure. It depends on what kind of plan you bought as to how much money you get back.
Hurricane Sandy in Florida, from Orlando Sentinel
Even if you don’t think anything could happen to you on a “safe” trip, there could always be a health issue or disruption from home that may preclude you from your plans.
Typically, you should count on insurance costing about 10% of your trip.
Here is an example of one policy that I found, so you can see if it would be valuable to you.
For two people traveling on a trip that costs $2000 per person, here is the coverage PER PERSON, even though the cost covers both people. This is one of the more comprehensive coverage plans:
Cost: $429 for the two travelers.
What it provides:
–$1,000,000 in emergency evacuation
—75% non-refundable costs if you employ “cancel for no reason”
–$50,000 in rental car collision
–$2,000 in trip cancellation
–$3,500 in trip delay
Plus, baggage coverage, regular medical coverage that doesn’t involve evacuation, etc.
If nothing else, wouldn’t the $429 be worth the peace of mind?
There are plenty of websites to help you: insuremytrip.com, and travelguard.com are just two.
Have a great weekend, and you on the East Coast, stay safe.