Travel Insurance and the natural disaster phenomenon

SMP Healthcare

When you take out travel insurance you expect to be covered for every eventuality but quite often cover in respect of natural disasters; when it comes to travel insurance this is offered as an add-on rather than as the core cover in your policy. Classed separately to the standard delayed departure or missed flights if you want to make sure that you have cover in the case of a natural disaster, you should check with your travel insurance provider before purchasing a policy.

*What is a natural disaster?

A natural disaster is an extraordinary natural phenomenon which could include any of the following:

  • Tsunamis
  • Earthquakes
  • Landslides
  • Volcanic Eruptions (including volcanic ash clouds)
  • Atypical Cyclonic storms
  • Objects falling from space (including meteorites)
  • Any extraordinary atmospheric, meteorological, seismic or geological phenomenon

Delayed departure and missed flights are normally covered in the case of a strike or industrial action, poor weather conditions or a mechanical breakdown.

**In 2010 there were volcanic eruptions in Iceland which caused tremendous disruption to air travel across Western and Northern Europe with over 10 million people stranded or unable to board flights and airlines losing over $1.7bn in missed revenue.

The cost of additional extended accommodation in these circumstances and flights to return to your home country when they become available can become expensive and therefore it may be more beneficial to include this additional benefit when taking out a policy rather than leaving it to chance and finding yourself stranded abroad.

* Natural disaster information sourced from


The Medigest Business Directory can provide you with the details for specialist travel insurance brokers who will help you to source a policy that suits your personal travel needs.


SMP Healthcare