One of the biggest concerns for cruise travellers this fall is how their Caribbean trip will be affected by hurricanes or severe weather. Several storms and hurricanes have been predicted to develop during the peak months of hurricane season (typically August through October), affecting the decisions of those planning a cruise in the Atlantic Ocean.

Yonder Travel Insurance, a travel insurance comparison site, explains how travel insurance can help prepare you for trips and cruises during hurricane season:

Get insured before a storm is named

You must purchase your travel insurance policy before the storm is named. Otherwise, travel insurance companies will consider a tropical storm or hurricane as a “foreseeable event,” which is not covered by insurance purchased after the storm’s name is declared.

Don’t buy from your cruise line

Yonder warns travellers about getting travel insurance directly through cruise lines.

Travel insurance offered by cruise companies often lacks standard coverage categories and allowable reasons to cancel, causing travellers to lose any non-refundable payments and covering more expenses out of pocket. Make sure you’re getting full coverage at a fair price by comparing travel insurance plans using Yonder’s instant quote tool.

Terry Boynton, president and co-founder of Yonder Travel Insurance, added: “Travel insurance is more important than ever if your Caribbean cruise is set to sail during hurricane season.”