🌪️ Travel Insurance & Hurricane Season in the Virgin Islands: What You Really Need to Know

Getaway Girlfriend
May 27
3 min read

Let’s face it, planning a vacation is fun, but protecting your trip? That’s smart. Especially if you’re visiting the US Virgin Islands during hurricane season, which officially runs June 1 through November 30.

travel insurance and hurricane season in the Virgin Islands.

Whether you're booking a romantic escape, a girls' trip, or a family vacation, travel insurance isn’t just for worst-case scenarios; it’s peace of mind, and sometimes, it can save your entire investment.

Here’s your no-nonsense guide to the best travel insurance providers, what to look for in a policy, and smart planning tips during hurricane season.

🌴 Why You Need Travel Insurance (Especially in Summer + Fall)

Hurricane season doesn’t mean it rains every day or that storms are constant. In fact, many travelers enjoy calm, sunny days with fewer crowds and better rates. But storms can happen and insurance protects your trip from:

🌀 Trip cancellations or delays due to weather
💸 Non-refundable costs like flights, hotels, and excursions
🧳 Lost or delayed luggage (especially through layovers)
🏥 Medical emergencies during your stay
🧾 Evacuation coverage if a storm forces you to leave early

✅ Top Travel Insurance Companies for USVI Trips

Here are some of the most trusted insurance providers for travel to the Virgin Islands (with great reviews from other island travelers):

1. Allianz Travel Insurance

Great for: Comprehensive coverage, medical emergencies, weather-related cancellations
Why we like it: Their OneTrip Prime plan covers hurricane interruptions and has a 24/7 assistance hotline.
Bonus: Kids under 17 are often covered free with a parent’s plan.

👉 Visit Allianz

2. Travel Guard by AIG

Great for: Customizable policies, including “cancel for any reason” options
Why we like it: Offers broad trip interruption benefits and concierge services.
Bonus: Add-on options for travelers bringing expensive gear (think: camera, scuba, drone).

👉 Visit Travel Guard

3. Seven Corners

Great for: International + US domestic travel, including coverage for hurricanes
Why we like it: Flexible plans and strong medical coverage, especially good for active travelers.
Bonus: Their RoundTrip Choice plan includes weather-related trip protection and optional adventure sports coverage.

👉 Visit Seven Corners

4. World Nomads

Great for: Adventurous travelers, long-term travelers, and digital nomads
Why we like it: Excellent coverage for adventure activities like scuba diving, kayaking, and hiking.
Bonus: You can buy or extend your policy while traveling—great flexibility.

👉 Visit World Nomads

5. InsureMyTrip.com (Comparison Tool)

Great for: Comparing plans across top-rated providers
Why we like it: You can filter for plans with hurricane coverage, cancel-for-any-reason (CFAR), or pre-existing condition waivers.
Bonus: They offer expert advice and real-time claim reviews.

👉 Visit InsureMyTrip