Hurricane travel insurance covers trip cancellation, interruption and delays caused by named storms when you buy before official naming. Comprehensive plans reimburse prepaid costs if hurricanes make your destination uninhabitable or cause mandatory evacuations.
Hurricane Travel Insurance Coverage
Hurricane travel insurance costs $69 to $125 for comprehensive storm protection on a $2,500 Caribbean trip. Buy before tropical storms get named or lose coverage.
Learn about hurricane travel insurance coverage for your next trip.
Updated: January 22, 2026
Advertising & Editorial Disclosure
Key Takeaways
Buy hurricane coverage within 24 hours of booking during June to November season. Wait until storms develop, and you'll only have access to more expensive cancel-for-any-reason options.
Comprehensive plans cover 100% trip cancellation and 150% trip interruption when hurricanes cause mandatory evacuations or make accommodations uninhabitable.
Cancel-for-any-reason coverage costs 40% to 50% more but reimburses 75% of trip costs without requiring proof of hurricane impact. Buy this option when tropical systems are already developing.
Best Travel Insurance Companies for Hurricane Coverage
We evaluated travel insurance plans based on hurricane coverage terms, cost, overall MoneyGeek scores and delay requirements. The best plans cover common carrier delays, accommodation uninhabitability and mandatory evacuations.
1 | Tin Leg | Tin Leg Luxury Plan | 87 | $86 | Any length carrier delay |
2 | BHTP | BHTP ExactCare | 90 | $69 | 6-hour delay |
3 | BHTP | BHTP LuxuryCare | 89 | $125 | 6-hour delay + CFAR option |
*Based on a Caribbean destination, a seven-day trip, purchased Aug. 4 for Oct. 1 to 7 departure. Rankings are based on hurricane-specific coverage features. MoneyGeek Score reflects overall plan quality.
Best Overall Hurricane Coverage
Tin Leg
MoneyGeek score: 87/100
Tin Leg Luxury Plan covers carrier delays of any length — no 6-hour or 24-hour wait required. You get immediate reimbursement when flights cancel due to named storms. The plan includes 100% trip cancellation, 150% trip interruption and mandatory evacuation coverage for $86 on a $2,500 Caribbean trip.
Best Value Hurricane Protection
BHTP
MoneyGeek score: 90/100
BHTP ExactCare earned the highest score with the lowest price among top-rated plans. At just $69 for a $2,500 Caribbean trip, ExactCare covers 100% trip cancellation, 150% trip interruption and accommodation uninhabitability with a 6-hour carrier delay requirement — 20% less than Tin Leg Luxury.
Most Flexible Hurricane Coverage
BHTP
MoneyGeek score: 89/100
BHTP LuxuryCare offers optional cancel-for-any-reason coverage when tropical systems develop but haven't received official names yet. Buy within 15 days of your initial deposit for 75% reimbursement without proving hurricane impact. LuxuryCare also covers 100% trip cancellation and 150% trip interruption with six-hour carrier delays. Cost: $125 on a $2,500 Caribbean trip.
How Hurricane Coverage Works
Hurricane coverage depends on triggers and timing requirements for reimbursement.
Named storm by National Hurricane Center | Purchase before the storm receives an official name | Policies purchased after the storm is named |
Mandatory government evacuation order for your destination | Purchase before the storm is named | Voluntary cancellation based on forecasts or personal concern |
Accommodations certified by authorities as uninhabitable | Buy within 14–21 days of your deposit for pre-existing condition waivers | Storms affecting areas outside your travel route |
Common carrier cancellation or delay due to named storm | Meet the plan's minimum delay requirement (6–24 hours) | Fear of travel without official evacuation or carrier cancellation |
*Once a storm receives an official name, it becomes a foreseen event excluded from coverage.
Hurricane Coverage Types and Limits
Travel insurance covers four types of hurricane situations, each with reimbursement limits and trigger conditions.
Trip Cancellation | 100% of prepaid, nonrefundable costs | Up to insured trip cost ($2,500–30,000) | Hurricane causes mandatory evacuation or makes accommodations uninhabitable before departure |
Trip Interruption | Unused trip portion plus return transportation | 150% of trip cost on comprehensive plans | Hurricane forces mid-trip evacuation or accommodation closure |
Trip Delay | Meals, accommodations, essential items | $150–250/day, $500–2,000 maximum | Carrier delays 6–24 hours (varies by plan) |
Natural Disaster Evacuation | Emergency transportation from hurricane zone | $50,000–150,000 on premium plans | Emergency relocation due to hurricane (separate from medical evacuation) |
Hurricane Travel Insurance Cost
Hurricane travel insurance costs depend on your trip value, coverage level and hurricane protection features.
Tin Leg Luxury Plan | $86 | Any length carrier delay |
BHTP ExactCare | $69 | 6-hour delay |
BHTP LuxuryCare | $125 | 6-hour delay plus CFAR option |
Tin Leg Standard Plan | $82 | 48-hour carrier delay |
Seven Corners Basic Plan | $81 | 24-hour delay |
*Based on $2,500 trip cost, a seven-day Caribbean trip, purchased Aug. 4 for Oct. 1 to 7 departure.
What Affects Your Cost
- Trip cost: Higher trip values increase your premium. A $5,000 trip costs roughly twice as much to insure as a $2,500 trip.
- Traveler age: Seniors pay 40% to 60% more than 30-year-olds for the same coverage.
- Destination: Hurricane-prone regions cost more during peak season (August to October for the Caribbean).
- Plan tier: Shorter delay requirements increase premiums. Plans covering delays of any length cost more than those requiring 24-hour waits.
- Purchase timing: Prices may increase as hurricane season progresses, especially when tropical systems develop near popular destinations.
When and How to Buy Hurricane Travel Insurance
The timing of your purchase affects whether developing storms will be covered.
When to Buy
The National Hurricane Center names tropical storms when sustained winds reach 39 mph. Buy insurance before this official naming happens. Named storms immediately become foreseen events excluded from standard coverage.
Tropical depressions labeled "Invest 95L" or similar designations don't trigger coverage exclusions because they lack official names.
Hurricane Season Timing:
- Atlantic: June 1 to Nov. 30 (peak August to October)
- Pacific: May 15 to Nov. 30 (affects Mexico's Pacific coast and Hawaii)
- Caribbean high-risk period: August to October (78% of major hurricanes happen during these months)
Where to Buy
Buy hurricane travel insurance directly through provider websites when you book your trip for immediate coverage before storms develop. Compare multiple plans using insurance aggregator sites to find the best coverage and pricing for your destination.
Hurricane Coverage vs. Cancel for Any Reason
Standard hurricane coverage requires storms to be unnamed at purchase. Cancel for any reason offers an alternative when tropical systems are already developing.
- Reimburses 100% of trip cost
- Must purchase before storm is named
- Requires mandatory evacuation or uninhabitable accommodation
- Standard premium (no additional cost)
- Storm must directly impact your destination
- Reimburses 75% of trip cost
- Must purchase within 14 to 21 days of initial trip deposit
- No proof required, cancel for any reason
- Adds 40% to 50% to premium
- Covers concern about any tropical activity
When CFAR Makes Sense:
- Tropical systems developing but not yet named when you book
- Travel during peak season (August to October) to Caribbean or Gulf Coast
- Expensive trips where 75% reimbursement is acceptable
- You want flexibility to cancel based on forecasts rather than official orders
BHTP LuxuryCare with CFAR runs $125 compared to $69 for BHTP ExactCare's standard coverage, an 81% premium increase for cancellation flexibility.
How to File a Hurricane Travel Insurance Claim
Filing hurricane travel insurance claims requires documentation proving the storm directly impacted your travel plans.
- 1Contact your insurance provider
Call your insurance provider immediately when a hurricane affects your travel plans.
- 2Gather required documentation
Policy certificate with purchase date, National Hurricane Center advisories showing storm naming date, government evacuation orders or accommodation closure notices, trip receipts and booking confirmations
- 3Save all receipts
Keep receipts for additional expenses, including emergency transportation, extended hotel stays and meals during delays.
- 4Submit your claim
Submit your claim within 20 to 90 days of returning or your original return date if you canceled (check your policy for the deadline).
- 5Prepare for further steps
Respond promptly to any requests for additional documentation from your claims adjuster.
Hurricane Travel Insurance: FAQ
Does travel insurance cover hurricanes after they're named?
No. Travel insurance only covers hurricanes if you buy before the National Hurricane Center assigns an official name. Once named, the storm becomes a known event and standard coverage no longer applies.
What's the difference between trip cancellation and trip interruption for hurricanes?
Trip cancellation reimburses prepaid costs if a hurricane forces you to cancel before departure. You get 100% of your nonrefundable expenses back. Trip interruption covers hurricanes that disrupt your trip after you leave home. You get reimbursement for the unused trip portion plus additional costs to return home. Comprehensive plans pay 150% of your trip cost for interruptions.
Do I need hurricane insurance for Caribbean travel?
Hurricane insurance provides financial protection during the Caribbean hurricane season (June to November, peak August to October). Without coverage, you risk losing nonrefundable costs if a hurricane causes mandatory evacuations or makes your accommodations uninhabitable.
How long do I have to file a hurricane travel insurance claim?
Most travel insurance providers require you to file claims within 20 to 90 days of returning from your trip or your original return date if you canceled. Contact your insurer immediately when a hurricane affects your plans for guidance on documentation requirements.
How We Evaluated Hurricane Travel Insurance
We analyzed hurricane coverage across 13 major travel insurance providers to identify plans offering the best storm season protection.
Evaluation Criteria
- Hurricane-specific coverage (40%): Common carrier delay requirements, accommodation uninhabitability coverage, mandatory evacuation inclusion and named storm timing rules
- Cost analysis (30%): Caribbean premium rates during peak season, value across coverage tiers and CFAR upgrade costs
- Overall plan quality (30%): MoneyGeek scores for coverage breadth, financial stability, customer service and affordability, plus trip cancellation and interruption limits and claims processing reputation
Data Sources
We reviewed direct policy documents from 13 insurers and collected premium quotes for 30-year-old travelers on $2,500, seven-day Caribbean trips purchased Aug. 4 for Oct. 1 to 7 departure. MoneyGeek's proprietary scoring methodology analyzed 40+ plan features to produce comprehensive ratings.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.