---
title: "Hurricane Melissa"
description: "Hurricane Jamaica"
url: https://travel-faqs.insureandescape.co.uk/en/articles/120-hurricane-melissa
collection: "Major Incident Advice"
updated: 2026-09-07
language: en
---

# Hurricane Melissa

Hurricane Jamaica

**The below applies only to policies purchased on or after 15 May 2025. If your policy was purchased prior to this date, please contact our call centre.**

### **Am I covered if a hurricane affects my travel plans?**

**Yes.** Hurricanes are classed as both _Adverse Weather_ and _Natural Disasters_, and full cover applies automatically under your policy.  
With **InsureandEscape**, **Travel Disruption Cover (TDC)** is already included, so you’re automatically protected against **cancellation, delays, missed departures, and additional expenses** caused by a hurricane.

_All cover is subject to your policy terms and conditions. If you’re unsure, please check your policy wording or contact our Customer Service team for guidance._

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### **If you haven’t travelled yet**

**Covered as standard:**

-   ✅ **Missed departure or delayed arrival benefit( longer than 12 hours)** due to adverse weather / Hurricane
    
-   ✅ **Trip cancellation**, if all the following apply:
    
    -   You are already at the **airport or departure point**
        
    -   You were **not aware of the hurricane** when buying your policy or booking your trip
        
    -   Your **flight or public transport** is cancelled or delayed
        
    -   **No alternative** is offered within **12 hours**
        
    -   You **choose to abandon your trip**
        
-   ✅ The **FCDO advises against travel** within 21 days before departure due to the hurricane.
    
-   ✅ **Reasonable additional expenses** to make alternative travel or accommodation arrangements if your original transport is cancelled or delayed.
    
-   ✅ **Delayed or cancelled connecting flights**.
    

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### **If you are already abroad**

**Covered as standard:**

-   ✅ **Delayed departure** due to adverse weather — your policy will **automatically extend free of charge** until you return home (as long as you’re returning on the next available flight).
    
-   ✅ **Emergency medical expenses and repatriation costs**.
    
-   ✅ If you are **unable to reach your departure point** due to adverse weather, your policy will **automatically extend free of charge** until you return home.
    
-   ✅ **Return flight cancelled or delayed** due to the hurricane , your policy **automatically extends free of charge** until your new travel arrangements are completed.
    
-   ✅ The **FCDO advises evacuation or return home** during your trip.
    

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### **Connecting flights**

-   ✅ **Missed connections** are covered as standard.
    
-   ✅ **Delayed or cancelled connections** are also covered as standard under your embedded TDC.
    

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### **Important – Airline, Ferry & Train Rights**

Please note that we will not provide cover for circumstances known to you before your purchase or which could reasonably have been expected to lead to cancellation of the trip. All cover will be subject to all other terms and conditions of your policy. Should your flight be cancelled by the airline, they are legally responsible to either provide you an alternative flight or full refund. They are also liable to provide overnight accommodation until the alternative flight becomes available. Since the EU 261 regulation was passed in 2004, passengers have been protected against severe flight disruption. The legislation confirms that long delays, cancellations, missed connections and flight re-bookings cause great inconvenience to the passenger, and as such affected passengers should be compensated.  
  
Please note that similar protection exists where your travel is via pre-booked ferry or train and the same process should be followed. All the cover we have outlined is subject to terms and conditions, please check your policy wording for further clarification.