Does my travel insurance cover natural disasters

Wang Yan

Global Courant

If you are planning to go on an adventure or spend a vacation abroad, you better plan your trip well to make sure it turns out the way you expected it to be. In addition to making a list of the tourist spots to visit in your travel destination, preparing an itinerary and trying out the local foods, make sure you take out travel insurance to ensure a memorable and stress-free trip . Getting a policy ensures your safety. It can also cover your family members, travel companion or business partner.

And if your trip doesn’t turn out to be as great as you planned, don’t worry because your insurance has you covered. Sure, it’s hard to find yourself in the middle of a natural disaster, but you don’t have much control. But it’s best to be prepared, and you can never be more prepared than with travel insurance.

Stay informed in the midst of natural disasters, force majeure

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Travel insurance companies usually provide cover in case of natural disasters. The traveler may collect certain amounts from their respective insurance companies in certain events such as loss of your personal belongings, fall ill, be involved in an accident or even a natural disaster. So if you are in the middle of a supposedly exciting trip but was cut short due to bad weather or an unfortunate landslide, travel insurance would entitle you to collect claims.

Force majeure, also known as ‘force majeure’, are standard clauses in contracts. Travel insurance also ensures that the traveler is covered in the event of natural disasters.

Natural disasters covered by travel insurance

There are a few insurance companies that offer remarkable features that ensure your safety during your journey. It is an ideal travel companion as it will secure you in the event of an unfortunate journey.

They cover natural disasters during your trip. They provide the travelers in case of an avalanche or a landslide. According to the aforementioned article, the insured traveler can claim the amount corresponding to the costs incurred in the event of an avalanche or landslide causing a delay of 12 hours. Included in the cost are additional room accommodations.

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The insurer covers the traveler who has experienced travel interruption or force majeure. They cover irrecoverable amounts paid before departure in case of cancellation of the trip due to a delay of more than 24 hours due to force majeure.

The company also covers extra accommodation and travel costs if the journey home was delayed for more than 24 hours and was caused by force majeure. The insurer will pay the traveler insured under the travel policy for accommodation costs on the basis of £100 per day for a maximum of 3 days. Food and drink supplements are also included in what the insurance company will cover up to £20 per day.


Does my travel insurance cover natural disasters

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