Hurricane Timing Can Determine Cruise Insurance Coverage

InsureMyTrip CEO Suzanne Morrow said a named hurricane is treated as a known event, meaning insurance bought after the storm is named will not cover cancellations or disruptions linked to it. The report says hurricane conditions may also delay or cancel flights, potentially causing passengers to miss their ship’s departure even when the cruise itinerary remains unchanged.

Cruise lines may alter routes in response to forecasts, such as switching between Eastern and Western Caribbean itineraries. Ships may also remain at sea longer when adverse weather closes a homeport. According to the report, cruise contracts do not require lines to compensate passengers for itinerary changes.

The report says Cancel for Any Reason coverage generally must be purchased within 14 to 21 days of the first trip deposit. It typically reimburses 50% to 75% of eligible expenses and usually requires travelers to cancel at least 48 hours before departure.

When a cruise line cancels a sailing because of a storm or mechanical problem, the report says passengers receive a full refund. However, travelers who miss departure because storm-related flight problems prevent their arrival are unlikely to receive a refund unless they have suitable insurance coverage.