Acts of God

Acts of God and natural disasters include:

• Hurricanes and tornadoes
• Earthquakes
• Floods, lightening storms and tempest
• Major outbreak of an infectious disease
• Volcanic eruptions
• Tsunami & tidal waves

A couple of years ago who'd have thought that holidaymakers would have to factor hurricane cover into their travel insurance policy?

Florida and USA

As countless British visiting Florida and New Orleans discovered to their cost, it pays to read the small print regarding cover for natural disasters.

Acts of God, such as hurricanes, tornadoes and earthquakes - often aren't covered and these are just the circumstances where you and your family may require urgent no expense spared assistance.

If your travel plans are disrupted a result of a hurricane, then you're out on a limb if you don't have a travel insurance policy providing this cover.

If you do, then your tour operator should be able to rearrange a future trip to the affected countries. Plus your travel insurance policy can normally be transferred to the new destination, often without paying extra.

Foreign & Commonwealth Office

Check your policy documents for detail of the cover provided. And always heed the warnings of an impending disaster - the Foreign Office website www.fco.gov.uk is a good place to start.

Your policy could be invalid if you travel against their Official advice. You'll find up-to-date travel info on the 'know before you go' section.

Association of British Insurers

Suzanne Moore of the ABI (Association of British Insurers) says:
"If there was an unexpected earthquake, you should be covered...However, if you visited Mount Etna now, went walking in the local village and expected to be treated from lava burns you may have problems."

Insure & Go

Insure & Go will compensate travellers up to the maximum limit specified in its Schedule of Cover for natural disasters including -

• floods
• storms
• fire
• lightening
• earthquake
• tempest
• hurricane
• major outbreak of infectious disease

Also covered are any additional travel and accommodation expenses necessary to continue the holiday, and any relocation costs following a natural catastrophe.

'Kids go free' on all policies - up to three children are covered when travelling with one parent.

Policies are available to people aged 69 and under, plus there's a 24-hour help line to assist with any legal advice or medical assistance required.
More about InsureAndGO.com...

Other Insurance Websites

Also check out the following companies for their Acts of God cover -

Halifax General Insurance

More on Halifax insurance...

Norwich Union

Norwich Unions Liz Kennett says:
"If anyone is injured in a hurricane, tsunami or earthquake for example, our travel insurance will provide cover. We also do not exclude terrorism.'
More on Norwich Union...

esure.com

Go to www.esure.com