Southern Europe is currently experiencing heightened seismic activity, impacting popular Mediterranean destinations like Crete, Santorini, Sicily, and parts of Turkey. Recent earthquakes and volcanic eruptions have led many travelers to re-evaluate their upcoming trips, with concerns about the safety and feasibility of traveling to these regions. While the likelihood of encountering a natural disaster remains relatively low, the uptick in seismic events has fueled uncertainty among holidaygoers regarding whether to proceed with their plans or cancel them altogether. Experts assert that the decision hinges on individual circumstances and the specific details of their travel insurance policies.
When it comes to travel insurance, standard policies often do not cover natural disasters such as earthquakes or volcanic eruptions. Many basic insurance plans exclude coverage for events classified as natural disasters, leaving travelers unprotected. Ernesto Suarez, founder of Gigasure, emphasizes that such incidents are challenging for insurers to underwrite, although advancements in AI and data analytics are improving risk assessment capabilities. However, travelers worried about cancellation or disruption can consider purchasing add-ons that provide protection specifically for natural events. These enhanced policies generally cover unforeseen disruptions to travel plans and the costs associated with them, thereby offering a safety net for those who may face unexpected changes.
In scenarios where earthquakes or volcanic eruptions disrupt trips already in progress, having extended insurance coverage can be particularly beneficial. Simon McCulloch from Staysure advises travelers to prioritize their safety above all else in the event of a crisis. Travelers should heed local and national authority instructions and reach out to their airlines or travel providers for assistance in finding safe accommodations or returning home. Those with comprehensive insurance coverage may also be entitled to file claims for unused portions of their trip or additional expenses incurred due to delays caused by the disaster.
If travelers are considering canceling their trips out of precaution rather than actual danger, they may find that their insurance coverage is limited. Most travel insurers stipulate that personal apprehensions about safety, in the absence of a government advisory against travel, do not warrant coverage for cancellations. McCulloch notes that monitoring updates from national authorities, such as the Foreign, Commonwealth and Development Office in the UK, can provide crucial guidance in making informed decisions. Should a destination be deemed safe for tourists despite recent seismic events, insurance companies are unlikely to honor claims related to cancellations made purely out of caution.
Recent tremors across Turkey, Greece, and Italy have exacerbated travelers’ anxieties. Notably, Santorini is witnessing possible declines in tourism by as much as 25% this year due to these events. Nevertheless, many affected areas may still be as safe as they usually are, and appropriate measures can mitigate risks. Experts advocate for staying well-informed about the latest developments, including reviewing the specifics of travel insurance policies and keeping track of official advisories. These proactive steps can not only enhance travelers’ peace of mind but also ensure they are equipped to handle any challenges that may arise during their trips.
As natural disasters remain unpredictable, having a robust understanding of travel insurance coverage is essential for protecting against potential losses. McCulloch reassures travelers that as long as they take the necessary precautions, they can travel confidently, knowing that the right insurance plan can help them recover financially or facilitate safe returns home should the unexpected occur.
