What you need to know about winter storms and travel insurance coverage

Everyone loves a good getaway over the winter months. But navigating winter storms and severe weather can sometimes put a damper on your travels. We’ve got answers to some of the most common questions for travelling during winter storms and how your Travel Guard® travel insurance may help.

As always, be sure to read the policy of insurance for your specific plan to understand how you are covered.

Will Travel Guard travel insurance cover me if my trip is delayed or cancelled due to severe winter weather?

Most Travel Guard travel insurance plans that include trip cancellation and trip interruption benefits provide coverage for inclement weather, which means weather conditions, earthquakes or volcanic eruptions that delay your scheduled carrier’s departure by at least 30% of your scheduled trip duration may be covered by your plan, subject to the terms and conditions of the specific plan.

Do I need to purchase extra travel insurance to be covered for winter weather?

No. Most Travel Guard travel insurance plans that include trip cancellation and trip interruption include the delay of your scheduled carrier due to weather conditions as a covered risk. The delay must be for at least 30% of your scheduled trip duration. Check the policy of insurance for the coverage you are considering to ensure this covered risk is included in the plan.

Does my travel insurance policy (subject to the terms and conditions of the specific plan) extend if I must remain at my destination due to a winter storm?

Yes, if the policy you purchased includes trip interruption or trip delay benefits. Your policy may be extended past your originally scheduled return date if you are delayed due to a covered unforeseen event, as listed in your policy of insurance. Please review your policy for more details.

What should I do if my trip is impacted by inclement weather?

If you are currently travelling and inclement weather is impacting your trip, either preventing you from returning home or causing you to leave early, you can call us any time and our specially trained representatives can help you find a way home.

Our representatives can help with rebooking flights or hotels and help to get you safely home. 

Am I covered for attraction closures due to inclement weather?

Typically travel insurance doesn’t cover bad weather if it’s simply putting a damper on your plans. 

How else can Travel Guard’s travel insurance plans help me when there is bad weather?

Travel Guard’s travel insurance plans come with 24/7 emergency assistance services. That’s access to specially trained representatives who can help you anytime day or night. Our representatives can help you rebook flights or reroute your itinerary to help you get where you need to be!

How early do I need to purchase travel insurance to have trip cancellation or trip interruption coverage for winter storms?

Insurance must be purchased prior to when a severe winter storm warning or watch is issued. If you purchase your insurance after a severe winter weather warning or watch has been issued, you will not have coverage for trip cancellation and interruption losses resulting from the winter storm. Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances. There is no coverage if you have knowledge at the time you book your trip or purchase your policy of any reason why your trip might be cancelled, interrupted or delayed.

Does a winter storm watch or warning have to be issued for coverage to apply?

No. For a travel insurance plan that you purchased ahead of inclement weather, a winter storm warning/watch does not need to be issued for coverage to apply, but other terms and conditions of the policy may apply. Be sure to review your policy.

Have Questions?
Need help with your quote?

Call us at: 866-648-8422

Hours of operation (Eastern):
Monday – Friday 8 a.m. to 9 p.m.
Saturday / Holidays 9 a.m. to 5 p.m.

Copyright © 2023, Travel Guard. Non insurance services are provided by Travel Guard.

Terms of Use   |    Privacy Policy   |    Complaint Resolution Policy  |    Site Map



American International Group, Inc. (AIG) operates in more than 80 countries and jurisdictions around the world to serve you better.

Please note that travel insurance products are currently not available to residents of the Province of Quebec. SVP prendre note que nos produits d’assurances voyages ne sont pas présentement offerts aux résidents de la province du Québec. *Coverage as low as $20 is an example based on a 29 year old traveller purchasing the Gold Emergency Medical Single Trip Plan for a 6 day trip with no deductible; actual cost of insurance is $19.98. Prices vary based on individual needs.

Insurance underwritten by AIG Insurance Company of Canada (AIG Canada), with its principal place of business at 120 Bremner Boulevard, Suite 2200, Toronto, ON M5J 0A8. All policies are administered on AIG Canada’s behalf by Travel Guard Group Canada, Inc. (Travel Guard). The coverage described herein is a summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the Travel Guard products available. Please review full policy language for complete coverage details.