How to Prepare for Hurricane Season: Tips From Seven Corners Travel Insurance

If you’re planning to travel anytime between June 1 and Nov. 30, it’s crucial to be prepared for hurricane season says Jeremy Murchland, President of Seven Corners, an innovative and service-focused travel insurance and benefit management company serving a global market with headquarters in Carmel, Indiana.

“In order to protect you and your family from the uncertainties of hurricane season, it’s important to plan ahead. At Seven Corners, we stress purchasing travel insurance that allows you to cancel or interrupt your trip due to weather-related reasons,” continues Murchland.

Hurricanes are nature’s most powerful and dangerous storm, and they can cause storm surge flooding, inland flooding from heavy rains, destructive winds, tornadoes, high surf and rip currents, severe property damage and death. According to the National Weather Service, on average, 12 tropical storms, six of which become hurricanes, form over the Atlantic Ocean, Caribbean Sea or Gulf of Mexico during this time. This year’s hurricane season is predicted to be more active than usual, with the latest outlook by The Weather Company predicting an increase in the number of storms expected.

The company’s RoundTrip Choice plan includes benefits for cancellations and interruptions due to several weather-related reasons described below. 

Trip Cancellations
If you must cancel your trip due to a covered reason, benefits can be paid to reimburse you for your unused and nonrefundable prepaid trip payments, and the plan’s Frequent Traveler Reward Benefit reimburses the cost to re-bank frequent flyer miles. 

Located north of the capital St George’s in the Caribbean island of Grenada.

Trip Interruptions
If you must interrupt your trip due to a covered reason, benefits can be paid to reimburse you for your unused and nonrefundable trip payments for your travel arrangements plus the additional transportation costs for you to: 

  • Join your trip if you must depart after your scheduled departure date or travel via alternate travel arrangements; or  
  • Rejoin your trip from the point where you interrupted it to the next scheduled destination; or
  • Travel to your originally scheduled return destination.   
Photo by Erika B on Unsplash,

Covered Reasons for Canceling or Interrupting a Trip Due to Weather
There are four covered reasons that provide coverage if you must cancel or interrupt your trip due to weather, including:

  1. Inclement weather, including a hurricane, causes complete cessation of your common carrier’s services for at least 48 consecutive hours. A common carrier is an airline, cruise line or any land transportation with a valid license to transport passengers for a fee (excluding taxicabs or rented, leased or privately owned motor vehicles). 
  2. You or your traveling companion’s primary residence (for trip cancellations) or scheduled destination accommodations (for both cancellation and interruptions) become uninhabitable and remain uninhabitable during your trip or are inaccessible within 30 days of your scheduled departure date due to a natural disaster, including a hurricane.Coverage for a hurricane applies only if you buy the plan before the hurricane becomes a named storm. Review your plan document for more details about this coverage, which applies only if you bought the plan during the Time Sensitive Period*.     
  3. Your scheduled trip departure city or destination is under a hurricane warning or watch issued by the NOAA Hurricane Center within 24 hours of your scheduled departure date. For Trip Cancellation coverage to apply for this reason, you must cancel your trip more than 14 days after the date your trip cancellation coverage begins.
  4. Due to a natural disaster (including a hurricane), local government authorities at your scheduled trip departure city or scheduled destination order a mandatory evacuation, which prevents you from traveling to/arriving at your scheduled trip departure city or scheduled destination. For Trip Cancellations, this applies only if you bought the plan during the Time Sensitive Period*.

The covered reasons for Trip Cancellation coverage are not identical to the covered reasons for Trip Interruption coverage, and additional terms apply to all covered reasons. 

Jeremy Murchland

Cancel for Any Reason
If you would like the option to cancel your trip for any reason of your choosing, consider purchasing the optional Cancel for Any Reason (CFAR) benefit.  

It will increase the price of your plan and will reimburse you for up to 75% of your nonrefundable prepaid trip costs if you do the following:

  • Cancel your trip two days or more before your trip start date (scheduled departure date),
  • Buy a plan with CFAR coverage during the Time Sensitive Period* and
  • Insure the full cost of subsequent travel arrangements within 15 days of paying for them. An example of a subsequent travel arrangement could be adding an excursion to your cruise after you had previously paid for the cruise.

Missed Tour or Cruise Connection
A Missed Tour or Cruise Connection benefit can pay you if you miss your cruise or tour departure because your arrival at your destination is delayed for three or more hours due to covered reasons, including weather. These reasons include: any delay of a common carrier (airline, cruise line, etc.) or a documented weather condition, like a hurricane, that prevents you from getting to your point of departure.

This benefit can pay for additional transportation costs to join your trip and reasonable expenses, such as accommodations and meals. 

Other Ways to Protect Your Trip
Along with purchasing travel insurance, I’d also recommend taking the following actions in your travel planning:

  • Act quickly. If there is a hurricane headed toward your location, evacuate in accordance with local evacuation guidelines as soon as possible. Call your airline if you are flying and try to schedule the next available flight home.
  • Be alert. Pay attention to the local weather and stay on top of potential storm activity. Be aware that hurricanes can change course or become more intense without much warning. It is important to be as prepared as possible.
  • Keep important information on hand. Always keep a list of important phone numbers written down in case you need to make an emergency phone call and cannot use your personal cell phone. Additionally, keep a copy of your travel protection plan and ID card available for reference so you know what type of coverage you have. Reach out to your insurance company with any concerns. Physical documentation is key if you suddenly do not have internet access.

To learn more about how travel insurance can protect you as we head into hurricane season, visit

*The Time Sensitive Period means the plan must be purchased within 20 days of the date your initial payment or deposit for your trip is received and within 15 days of payment for subsequent travel arrangements you add to your trip.

Please note: The plans also contain non-insurance Travel Assistance Services provided by Seven Corners, Inc. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions for pre-existing conditions.

CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. The cost of your plan is for the entire plan, which consist of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Seven Corners, Inc. Carmel, IN 46032 USA 1-800-335-0611, 317-575-2652, 317-818-2809 or contact CUSTOMERSERVICE@SEVENCORNERS.COM.

Cover image courtesy of Photo by Dylan Sauerwein on Unsplash.

What Every Traveler Needs to Know: Cancel and Interruption for Any Reason Coverage

A warm welcome to Jeremy Murchland, president of the global travel insurance company, Seven Corners, who has taken the time to explain two travel insurance options in the following guest post.

Cancel and Interruption for Any Reason Coverage: The Difference Between Two Flexible Travel Insurance Options

Whether it be for work or leisure, over the course of the past year, frequent travel has come to a standstill due to the ongoing COVID-19 pandemic. With the recent development of a long-awaited vaccine, many are eager for mobility and hopeful to begin making travel arrangements for the upcoming year as the world tries to return to a sense of normalcy.

However, as 2020 revealed the unpredictability of the pandemic, travelers may still be reluctant to book trips due to lingering uncertainty. Travelers need assurance that they and their wallets will be protected when booking their next trip. That’s why the travel insurance industry offers protection plans that allow for cancellation or interruption of travel plans for any reason. As the world is becoming more restless to get back on our feet, Cancel for Any Reason (CFAR), and a newer benefit, Interruption for Any Reason (IFAR), are great additions to coverage plans that can provide customers with the confidence they need to book their next trip during these trying times.

Located on the gorgeous Adriatic Sea, Albania is open. Seven Corners’ Facebook page keeps travelers updated on countries opening up to travelers and what the requirements are for going there.

Seven Corners, an award-winning international travel medical and trip protection insurance company dedicated to protecting the safety, security, and health of our customers, has experienced an increase in calls from customers asking how CFAR and IFAR could be of benefit. Our team put together frequently asked questions and answers regarding what CFAR and IFAR are, what they cover and how they can be useful when preparing for a trip.

What is CFAR?
CFAR is an optional benefit offered on certain trip protection plans that allows travelers to cancel trips for any reason not otherwise covered. Customers will be reimbursed up to the maximum benefit amount shown in the schedule of benefits for the unused, forfeited, prepaid non-refundable payments or deposits for the travel arrangements you purchased for your trip, when you cancel your trip 48 hours or more before your scheduled departure date for any reason not otherwise covered by the policy.

Croatia welcomes visitors back.

When is CFAR beneficial?
CFAR can help travelers if they must cancel trips due to change of mind, financial hardships or reluctance to travel due to lingering concerns over COVID-19. Most especially, since the onset of COVID-19, travelers want the option to cancel their trip if they become fearful about traveling. Fear is not a covered reason for trip cancellation, so CFAR is the only way to ensure you can cancel if you’re afraid to travel. Additionally, if travelers are nervous about planning international trips such as honeymoons, spring break plans or destination weddings due to COVID-19 concerns, CFAR may be a good option.

What is IFAR?
IFAR, Interruption for Any Reason, is an important option for coverage plans in today’s travel climate that gives travelers the option to interrupt their trip once it has already begun. IFAR is being added to plan designs in response to the large increase in travelers purchasing CFAR during the COVID-19 outbreak of 2020.

Seven Corners offers tips on what to see when traveling in such destinations as Canada

When is IFAR Beneficial?
IFAR could be beneficial to travelers for a variety of reasons. Here are a few examples:  

  • Three days into the first leg of your trip you have a disagreement with your host and want to leave, so you decide to go to your next destination early.
  • You are traveling and learn your dog at home is ill, and you wish to return home early.  
  • You have a falling out with a friend with whom you are traveling and want to come home early. 
  • You have an unexpected financial crisis and want to go home early.  
  • You receive a call while traveling and learn your house was destroyed by a fire or tornado, and you want to return home immediately to see what remains and take appropriate next steps.  
  • You are not comfortable with the steps your resort is taking regarding COVID-19, so you decide to return home early.  
Jeremy Murchland, President of Seven Corners

With IFAR coverage, if one must interrupt their trip, travelers will be reimbursed up to the maximum benefit amount shown in the schedule of benefits for the additional transportation cost to either:

  • Join your trip if you must depart after your scheduled departure date or travel via alternate travel arrangements; or
  • Rejoin your trip from the point where you interrupted your trip to the next scheduled destination; or
  • Transport you to your originally scheduled return or final destination of your trip.

What is the difference between IFAR and CFAR?
You should add CFAR to travel plans if you could potentially cancel your trip before you’ve departed, and CFAR typically requires you to cancel 48 hours or more before your scheduled departure date. IFAR comes into play after you’ve already departed on your trip but no sooner than 48 hours after departure.  

Both CFAR and IFAR reimburse you for 75% of your nonrefundable and insured trip costs if you cancel or interrupt for a reason not otherwise covered.

What is the cost of CFAR and IFAR?
Travelers can expect most CFAR benefits to increase trip insurance costs by 40% to 50% because the plan now includes much wider coverage for trip cancellation. IFAR is a much less expensive option. With CFAR and IFAR, travelers can cancel or interrupt their travel plans for any reason they wish. The increase in price occurs because the insurance company now bears an increased risk

How do I know if I qualify for CFAR or IFAR?
To qualify for CFAR and IFAR travelers must:

  • Purchase the benefit within the time sensitive period. This is typically 20 days after you make your initial trip deposit or payment.
  • Insure the full cost of any subsequent arrangements added to your trip within 15 days of the date of your payment for them.
  • For CFAR, you must cancel your trip two or more days prior to the scheduled departure date of your trip. For IFAR, you must interrupt your trip 48 or more hours after the actual scheduled departure date.

It is important to note these benefits do not cover penalties associated with travel arrangements not provided by the travel supplier for the trip.

Effective March 1, Seven Corners is updating their RoundTrip plans to include optional IFAR. The new RoundTrip Choice plan will also include primary medical coverage for accidents and illnesses that occur on your trip and an increased amount of trip delay coverage. Both Choice and Basic have increased emergency accident and sickness medical coverage and additional covered reasons for trip cancellation and interruption.

CFAR and IFAR are beneficial travel insurance options for travelers eager to return to normalcy. With these flexible travel insurance benefits, travelers have a way to expand coverage for unforeseen cancellations or interruptions that could affect travel plans.