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Following the effects of Storm Nate that has impacted Costa Rica, Nicaragua and Honduras, we at Insurancewith would like offer our condolences to those affected and to clarify what cover may be available.
We always advise all travellers to check the FCO’s advice for their chosen destination and the current advice on this matter can be found here:
For residents of Ireland please follow the advice of the Department of Foreign Affairs and Trade as follows:
Cancellation and Curtailment
This type of event is unfortunately not covered across the travel insurance industry for claims relating to cancellation or curtailment. This is because most policies have the following exclusion relating to cancellation and curtailment “any claim where the fire, flood, earthquake, storm, lightning, explosion, hurricane or infectious disease had already happened before you left home”.
Additional travel and accommodation costs
Should your travel and accommodation arrangements have been affected by the storm your policy may cover reasonable additional costs within a certain radius to provide you with alternative options. To find out more please contact our claims team.
Returning home early
If you are not able to amend your trip details and have a medical justification for doing so, we are happy to discuss your situation on a case-by-case basis.
In the event that you have specific questions not answered by this post, please feel free to contact us on firstname.lastname@example.org and we will endeavour to offer an answer.