(Bloomberg) --With global temperatures reaching new records month after month this summer—and unprecedented wildfires destroying parts of Greece, Canada, and Italy—heat is becoming an increasing consideration in the way people travel. Shifting destinations is one strategy; buying travel insurance is another.
Neither is black and white. Weather is unpredictable everywhere, and travel insurance policies can vary tremendously. Plus, heat can affect travelers in myriad ways, ranging from the uncomfortable to the inconvenient (flight delays) and the downright dangerous (heatstroke). Some policies will cover certain risks, but not others—and all must be secured ahead of your departure.
A new option in the US market as of August 1 is
"Say for example, you've got a bit of heatstroke, you can call and you'll get through to an accredited and experienced medical professional that can tell you what to do immediately," says Douglas Skoog, head of marketing at Freely, "and guide you on what medical assistance to look for wherever you are." Those specialists can also tell you if you should file a claim and then mobilize support around it.
But Freely, like other insurance providers, has its limitations. Its Achilles heel is that it doesn't include cancel-for-any-reason (CFAR) policies. CFAR policies are the only option for those who may want to nix a trip for reasons beyond illness, injury, or inclement weather that makes it impossible to reach their destination.
"Unfortunately, extreme heat isn't something that would be covered [as a reason] to cancel a trip under standard trip cancellation," explains Steven Benna, marketing manager at Florida-based
Standard travel insurance policies are typically are priced at 5 to 10% of your total trip cost; CFAR policies can cost roughly 50% more. Freely's prices are on the more affordable end of the spectrum: Insuring a weeklong $5,000 trip to France in mid-September 2023, for example, would cost just $101. A similar policy from Seven Corners, a competitor with similar offerings, would cost $280, Squaremouth's comparison engine quoted.
How you protect your next vacation, then, is a highly individual choice, coming down to the concerns that weigh most heavily on your mind. Here are some questions to consider.
Does travel insurance cover flight delays?
Extreme heat
"Some policies that are a bit more flexible cover any delay of a common carrier," says Squaremouth's Benna, adding that there's typically fine print stipulating that a delay must last a certain amount of time, typically between three to 12 hours, before coverage kicks in.
Though Freely's
Another unique option comes from Berkshire Hathaway Travel Protection. Its
Similarly, flight plans changed by the airline as a result of smoke delays and airport closures can lead to compensation. Take the fires that
I booked activities that got cancelled because of heat. What can I claim?
In July, one of Greece's most visited sights, the Acropolis, began closing from 11am to 5:30pm on especially hot days, vastly limiting attendance. Unfortunately for travelers who couldn't visit as planned, they would have also had a hard time getting any compensation through travel insurance; most policies offer limited coverage for such granularities.
If you book tickets to a suddenly-closed attraction as part of a tour package, however, Benna recommends going through the operator for a refund. And if your operator has fine print protecting them from weather-related cancellations, you may try your credit card company as a fall-back plan.
The same logic applies to outdoor activities you've booked, though Freely has an "adventure" boost that can help secure reimbursement if, say, you'd planned to go surfing, and the temperature was predicted to reach dangerous levels that day. Staying on top of fine print is important here: You'll have to make sure you've cancelled your excursion in accordance with the tour provider's terms.
What if the heat makes me feel sick?
If you fall ill during your travels as a result of the intense heat—you suffer from heat exhaustion or a heat stroke, for example—emergency medical coverage benefits could apply. These are baked into most insurance policies, and provide coverage for doctor visits, prescription costs and ambulance fees.
This is separate from medical evacuation and repatriation coverage, which pays for expenses to transport you back home or to a hospital nearest your home in the event of an emergency medical condition. Some policies will also offer non-emergency evacuation option, which covers transportation expenses to get you out of a dangerous location to a place of safety as a result of say, a natural disaster or civil unrest—though this tends to be a costly add-on.
Are there other precautions to take, besides buying insurance?
A number of insurance providers including Freely are
But if you're still headed out to blazing hot destinations this summer and beyond, your best bet in addition to purchasing a travel insurance policy is to take precautions to stay safe and
To contact the author of this story:
Lebawit Lily Girma in Baltimore at
