In the world of wanderlust and travel, many adventurers are drawn to destinations that promise breathtaking landscapes and raw natural beauty, even if they come with unpredictable weather. From tropical islands with seasonal hurricanes to mountain peaks that could surprise you with sudden storms, nature’s dramatic displays are both awe-inspiring and challenging. But as any seasoned traveler would tell you, the key to a truly memorable journey is not the planning, the journey or even the destination, but rather the peace of mind that comes with protecting your trip. That’s where travel insurance comes in as a safeguard for those unpredictable twists and turns nature might throw your way.
What you need to know about travel insurance and severe weather
There are many benefits to travel insurance, the most common being that it gives you a sense of safety and security before takeoff. When it comes to rain, snow and even more extreme natural disasters, you want to know you’re in good hands, so here’s the nitty gritty of what Faye can cover when it comes to inclement weather.
National disaster evacuation
Faye’s international plans can cover you if you need to be transported from a place of danger to a place of safety if you are in imminent physical danger due to a covered natural disaster event.
Trip cancellation
If something goes awry before your trip begins and it falls under a covered reason, your trip cancellation benefits could kick in. If this happens to you, you can qualify for reimbursements of up to 100% of your non-refundable trip costs (like flights, hotels and non-refundable tours) when a natural disaster, such as a wildfire or hurricane, hits and renders your home or destination uninhabitable.
Trip interruption
If you travel with Faye and a natural disaster causes your home or destination to become uninhabitable and you must start your trip late or are unable to complete it. In addition, you can be covered for mandatory evacuations resulting from a natural disaster and government-ordered airport shutdowns. In these situations, you can be reimbursed for unused, prepaid trip expenses and your additional transportation expenses associated with coming home early.
Trip delay
If you’re in the middle of your trip and inclement weather causes a delay that prevents you from reaching your scheduled destination, you could be reimbursed up to $300 per day per person, and a max of $4,500 per trip, for delays of more than 6 hours.
Lost or delayed luggage
With bad weather comes higher chances of a bag snafu. With Faye, you can be reimbursed up to $2,000 per trip for lost, stolen or damaged luggage, including clothing, personal items and professional equipment like a phone or laptop. And for delayed baggage, you can be reimbursed for up to $300 for necessary personal items if your bag is delayed 6 hours or more.
Cancel for any reason add-on
For an added layer of protection and the ability to nix your trip for any reason, you might want to add cancel for any reason coverage to your Faye plan – especially if you’re traveling somewhere known for extreme weather. This add-on can reimburse you for up to 75% of your insured non-refundable trip cost. You must purchase the CFAR add-on within 14 days of the date your initial trip deposit is received (such as when you buy your flights or book your hotel). And if you want to exercise the benefit, you’ll need to cancel your trip no later than 48 hours prior to your scheduled departure date of your trip.
When is severe weather not covered?
If a natural disaster or storm is named or becomes a known event prior to your plan’s effective date, then you may not qualify for reimbursement. A hurricane, for example, is foreseeable on the date it becomes a named storm.
The Faye advantage
Putting travelers first is at the heart of what we do, which is why we have a support team available 24/7 – even on weekends and holidays – so you always have a team to get in touch with for solutions and advice during severe weather events.
You also have the option to file claims even while you’re in-trip and be reimbursed quickly on approved claims so you’re not stuck paying for things out of pocket when you shouldn’t have to, all via the Faye app.
Our support team, made up of real people, is available to answer any other questions you may have about how to prepare for or navigate a situation such as storms, fires, and more even if you haven’t traveled with Faye yet.
*Benefit availability & limits may vary by state.
