With the recent 7.1 magnitude earthquake striking off the coast of Japan, a question has reemerged: Does travel insurance cover earthquakes? Although your trip may be miniscule in the grand scheme of damage earthquakes can do, we’d still like to know if we can get our money back in the event of a natural disaster. Let’s answer that question.
Earthquake Coverage in Travel Insurance
When discussing earthquake coverage in travel insurance, the coverage that’s provided depends on the type of plan you’ve purchased. Let’s go through them one by one.
Travel Medical Insurance Earthquake Coverage
The primary purpose of travel medical insurance is to provide temporary emergency health insurance coverage for trips outside the United States. It does not typically offer trip cancellation coverage. However, a travel medical insurance plan can be beneficial in the event of an earthquake, as some plans will cover the cost of evacuation due to a natural disaster. Of course, any travel medical insurance plan can also provide medical coverage if you were injured as the result of an earthquake or natural disaster.
Visitors Insurance Earthquake Coverage
Visitors insurance is primarily meant to provide medical coverage for foreigners visiting the United States, where healthcare is incredibly expensive. In addition to medical coverage, some visitor insurance plans can include a natural disaster replacement accommodations benefit. If the earthquake were to render your hotel or wherever else you’re staying uninhabitable, this benefit can provide a daily stipend for a certain number of days to fund replacement accommodation. The availability and details of this coverage vary by plan, so be sure to read the policy details thoroughly before you purchase.