Travelling during hurricane season

Added 27/09/2022

This year’s hurricane season is well and truly underway with parts of the Caribbean and Canada recovering from hurricane Fiona last week, whilst Florida braces itself for the arrival of hurricane Ian.

An alert has been issued to British holiday makers who are in the USA state of Florida or travelling to Florida as hurricane Ian approaches.  

The advice from the Foreign, Commonwealth and Development Office (FCDO) states:

You should closely monitor local and international weather updates from the US National Hurricane Center (NHC) and follow the advice of local authorities and/or your tour operator including any evacuation orders.

The FCDO also publishes advice on what to do if you are caught up in a tropical cyclone, typhoon, or hurricane.   If you have a holiday planned to an area which is affected by hurricanes it is a good idea to read this advice before you travel.

Tropical cyclones, typhoons or hurricanes  

The hurricane season usually lasts from June to November, however October is the often the month when the most hurricanes occur.

Hurricanes: how can travel insurance help?

If you are concerned about a hurricane affecting your destination and your holiday doesn’t form part of a package you can add Natural Catastrophe Cover to your travel insurance for extra protection.

Natural Catastrophe Cover provides additional cover for cancellation and additional expenses incurred as a result of a catastrophic natural event, including hurricanes, storms, fire, flood, earthquake, lightening, explosion or volcanic eruption which is unknown and unforeseen at the time you purchase your insurance or book your holiday.

If a natural catastrophe occurs before you travel:

Our optional cover provides cancellation cover up to £1500 per person if any part of your outward, onward, return journey or whole trip is cancelled due to a natural catastrophe.

If a natural catastrophe occurs whilst you are away:


Our Natural Catastrophe Cover provides cover for additional expenses to enable you to return home, up to £150 per day (£1500 in total) per person. This includes accommodation (room only) and transport costs (if the public transport you are booked on is cancelled or delayed as a result of a catastrophic natural event and an alternative is not provided within 24 hours).

Please note: Cover does not apply if your holiday forms part of a tour operator's package. In this instance it is the responsibility of your tour operator to look after you and get you home.

Natural Catastrophe Cover can be added to any of our Silver, Gold, Platinum or Cruise Specific policies.