On Sunday, October 8th, evacuations were issued in northern California due to spreading wildfires. The fires continue to burn in the wine country regions of the state and it is unclear when they will be stopped. TravelSafe understands those scheduled to travel to or from this area will have questions about their coverage, and they are encouraged to call us 24/7 with any questions.
It is important to note, don’t rush out to buy travel protection now to cover the California wildfires as TravelSafe plans do not provide coverage for an event that is foreseeable prior to the purchase of travel protection. In this case, plans purchased on or after October 8th, 2017 will not cover losses related to these wildfires.
Plans purchased on or before October 7th, 2017 may have coverage for these fires, as wildfires are considered as natural disasters in TravelSafe travel protection plans. Following are some general guidelines regarding the various coverages available:
Trip Delay – Additional meal and accommodation expenses may be reimbursed up to the amount provided by the plan if you have left home and travel is delayed 6 hours or more due to flight delays or cancellations. The dollar amount of coverage will be based on the plan you selected. Please refer to your plan documents for complete details.
Missed Connection – All of our plans also include the missed connection benefit if your flight is delayed for 3 hours or more. This benefit can reimburse unused land and water arrangements and additional transportation to catch up to the trip. The dollar amount of coverage for Missed Connection will vary depending on the plan you purchased. For more details, please review your plan documents.
Trip Interruption – TravelSafe plans offer Trip Interruption coverage for your travel arrangements if they are disrupted due to the fires and you must leave or return later than originally scheduled. Depending on the TravelSafe plan, covered reasons to interrupt the trip can include: 12 hour or more flight delay due to weather; or your home, work, or accommodations at your destination made uninhabitable. Trip Interruption bases the dollar amount of coverage on the amount of trip cost you insured on the plan. To be certain that you have this protection, please review your plan documents or call TravelSafe.
Trip Cancellation – Should your flight be delayed or canceled due to the wildfires, TravelSafe plans can cover cancellation penalties if you are not able to travel for 12 hours or more. Based on the plan selected, TravelSafe can also cover you if your destination is officially declared uninhabitable, or if your home or work place is made uninhabitable. A mandatory evacuation can also be considered, if when the evacuation ends and there is less than half or less than 4 days left of your trip. The dollar amount of coverage is determined by the amount of trip cost you insured on the plan. Please read your plan documents for specific information.
This information is a general overview of coverage benefits that may apply if travel plans are impacted by the California wildfires. The coverage available for your trip will be based on the terms in your travel protection plan. Please refer to your plan documents to learn more or contact TravelSafe with questions. Agents are available 24/7 and happy to help.