Will Travel Insurance Cover Natural Disasters?
Most travel insurers define a natural disaster as "a large-scale extreme weather or environmental event that damages property, disrupts transportation or utilities, or endangers people, including, but not limited to, earthquakes, fires, floods, hurricanes, or volcanic eruptions."
However, not every significant weather or environmental event qualifies as a natural disaster which will be covered as per the terms and conditions in your travel insurance plan. These nuances in coverage can sometimes be confusing. To help you navigate these details, this guide will provide a closer look at how travel insurance can protect you if your travels are affected by a natural disaster.
Common Claim Benefits For Natural Disasters Coverage In A Travel Insurance Plan
It's important to note that coverage for natural disasters can vary depending on the insurance plan. Below are some benefits typically included in most plans. Therefore, before purchasing travel insurance, carefully read the policy wording to understand which types of natural disasters are covered.
Emergency medical and dental coverage
Travel cancellation
Travel postponement
Travel delay
Trip curtailment/shortening
Emergency evacuation and repatriation
Accommodation coverage
24/7 assistance services
Check Out The Best Travel Insurance For Places Prone To Natural Disasters Here!
Best Travel Insurance For Your Trips
FWD Business
- Med. Coverage (Overseas)
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Tiq Savvy
- Med. Coverage (Overseas)
- S$500,000
- Travel Cancelation
- S$5,000
- Loss/Damage of Baggage
- S$2,000
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Starr TraveLead Comprehensive Silver
- Med. Coverage (Overseas)
- S$500,000
- Trip Cancellation
- S$10,000
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- S$5,000
- Total PremiumTotal Premium
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Allianz Travel Silver
- Med. Coverage (Overseas)
- S$500,000
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- S$5,000
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- Total PremiumTotal Premium
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MSIG TravelEasy Elite
- Med. Coverage (Overseas)
- S$500,000
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- S$10,000
- Loss/Damage of Baggage
- S$5,000
- Total PremiumTotal Premium
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Frequently Asked Questions
What is the best way to get travel insurance coverage against natural disasters?
- There is no one “best” way to get covered against natural disasters for your overseas trips, but there are several ways you can do it, such as through your preferred travel insurance mobile app, purchasing your travel insurance via an airline or travel insurance company’s website or by contacting your insurance agent. If you prefer to do it yourself via a comparison platform like MoneySmart, you’ll be able to do a quick comparison of the best plans with suitable coverage against specific natural disasters, which are available for you.
Does my travel insurance cover unexpected expenses incurred which are related to natural disasters?
- You’ll need to check with your travel insurance agent and confirm the aspects of your insurance coverage for events related to natural disasters, as such coverage can vary depending on the insurance plan. Some benefits which are typically covered in most plans include emergency medical and dental coverage, travel cancellation and postponement, travel delay or curtailment, emergency evacuation and repatriation, accommodation coverage, and 24/7 assistance services.