Europe’s Record-Breaking Heatwave
Europe is currently experiencing its first major heatwave of the year, with temperatures soaring to July and August levels in June. The extreme heat has led to health warnings, school closures, and outdoor work restrictions across multiple countries. In France, Paris hit 40°C, leading the national weather agency to place several regions under a red alert. Consequently, over 1,300 schools were fully or partially closed, and iconic landmarks like the Eiffel Tower closed to visitors for safety measures. Greece faced similar conditions, where tourists visiting the Acropolis relied on umbrellas and fans to shield themselves from the intense heat, which also exceeded 40°C in some areas.
As vacation plans unfold for Southern Europe, understanding the impact of extreme weather is crucial. Travelers are seeking advice on how to prepare for and handle heat-related disruptions during their trips. Euronews Travel consulted climate and insurance experts to shed light on various aspects of travel insurance and what actions can mitigate the risks associated with extreme weather. The primary focus is on whether travel insurance could cover cancellations or changes forced by adverse weather conditions, contextualized by the current heatwave affecting the continent.
Travel insurance generally covers unforeseen incidents, including emergency medical expenses and cancellations. However, many policies have specific limitations when it comes to extreme weather events. According to Jonathan Frankham, the general manager of World Nomads Europe, if a trip is canceled due to a heatwave without a government advisory, reimbursement may not be possible through typical travel insurance policies. If a physician recommends against travel due to health concerns related to the heat, there might be avenues for claims, although these would be evaluated on a case-by-case basis. Travelers are advised to carefully review their policy for applicable cancellation reasons and consider potential add-ons for weather-related issues.
The value of travel insurance becomes especially apparent during a heatwave, even if it does not cover cancellations. The health risks associated with extreme heat can be severe, leading to conditions like heat exhaustion, heatstroke, or even life-threatening cardiac events. Research indicates that high temperatures in 2022 contributed to around 70,000 excess deaths in Europe. Travel insurance can facilitate access to necessary medical assistance and may also cover health-related trip disruptions. If a traveler’s plans are adversely impacted by the heat, trip interruption coverage can reimburse costs for unused travel arrangements or additional expenses incurred.
Travelers wondering whether to cancel their trips due to heat should note that unless governmental advisories exist or personal medical recommendations apply, travel insurance may not warrant compensation for cancellations. For those already traveling in affected regions, it becomes vital to stay informed of local weather forecasts, adhere to safety guidelines, and maintain adequate hydration. Vulnerable populations, such as older adults or those with pre-existing health conditions, should exercise particular caution regarding physical exertion during peak heat hours. Changing itineraries to reduce outdoor exposure may also be advisable.
Looking forward, the impact of extreme weather on travel insurance policies is likely to evolve as summers in Europe continue breaking heat records. Meteorologist Tamsin Green noted that a continuation of this trend appears likely, with climate change contributing to increasingly frequent extreme temperatures. Insurers are closely monitoring these developments, and a response akin to the adaptations made during the COVID-19 pandemic may become necessary. As heat waves persist, the travel insurance industry may need to introduce new products and coverage options to meet the shifting needs of travelers confronting extreme weather conditions.
