If you’re anything like me, you’ve been planning your trip for quite a while. But hurricane season can be a wild card that changes your plans in a second.

The Atlantic hurricane season starts in early June and can run as late as November. This raises a lot of questions for Canadians travelling to hurricane hot spots like the Caribbean, Mexico, Central America and the East and Gulf coasts of the United States—in particular, Florida, Louisiana and Texas.

Hurricane season travel insurance coverage
Canadian travel advisory for hurricane

Here are our top 5 tips for staying covered while travelling to at-risk hurricane zones:

  1. What if there’s a storm, but it hasn’t yet been named a hurricane?

    You still have time to purchase travel insurance, and more importantly, trip cancellation and interruption. But once a hurricane has been named, it becomes a “known peril” and you won’t be covered under an existing policy.

    It’s similar to trying to buy home insurance while your house is on fire.  As soon as the hurricane is named, you can’t get your trip covered by travel insurance.

  2. What if there’s a hurricane warning for my travel destination?

    Only you can decide if you want to take the risk, but checking TuGo for travel advisories specific to hurricanes is a good start.

    Before you travel, monitor local news and weather reports and register online with the Canadian government office abroad. Leave all phone numbers and a detailed itinerary with your family and friends if you do go. Lastly, you can always cancel your trip, and if you’ve purchased trip cancellation or interruption you won’t lose out.

  3. What if I can’t get to my travel destination, due to a hurricane?

    This happens a lot, especially for cruise-goers. Check the travel advisories for your destination and contact your local broker for details about your plan.

  4. What if I’m on vacation and a hurricane starts?

    Most insurance policies will cover you for mandatory evacuations due to unforeseeable events. It’s best in these situations to contact your insurance provider and the Canadians abroad office.

  5. What if there’s a hurricane in my hometown, and I can’t leave for my trip?

    A “ripple effect” can happen if you can’t leave your hometown to get to the first leg of your trip. Make sure you’ve purchased travel insurance that will cover you for situations like these. At TuGo, for instance, our Traveller policy covers you for natural disasters or “unforeseeable events” or delays in connecting flights due to weather conditions. This is provided a formal travel advisory/travel warning has been issued after your departure by Global Affairs Canada or Public Health Agency Canada.

Stay safe this hurricane season and make informed decisions. At the end of the day, purchasing travel insurance and trip cancellation and interruption as early as possible is your safest bet.

Share this article with your friends and family travelling to hurricane hot spots!

Happy and safe travels,








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