Atlantic hurricane season runs from June to November, with September and October carrying the highest risk. It is also when Caribbean and Mexican resorts are cheapest, which is not a coincidence. Booking in that window is a legitimate choice, but it should be a decision you made rather than one you discovered.
A direct hit on your wedding date is unlikely. The far more common scenarios are disruption rather than destruction: flights cancelled for two days either side of a storm that misses you, a resort operating on reduced service, an outdoor venue moved indoors at short notice, or guests unable to travel from one particular airport while everyone else arrives fine.
Planning for those scenarios is more useful than planning for the catastrophic one. That means an indoor contingency for every outdoor event agreed in advance, a buffer day either side where possible, and guests advised not to book the tightest possible connection.
Many properties offer a hurricane guarantee, typically a rebooking within a defined window rather than a refund, and usually triggered only by a named storm and an official closure or evacuation. Read what actually triggers it. “Bad weather” almost never does.
Covers your guests for trip cancellation, interruption and delay. Individual to each traveller, and generally must be purchased before a storm is named. Once a storm has a name, it is a known event and no longer coverable.
Covers the event itself: deposits, vendor costs, postponement expenses. A different product from travel insurance, less commonly bought, and the one that actually protects the money you have committed.
We arrange travel insurance and we will tell you plainly what we understand a policy to cover, but the policy document governs and terms vary by provider and province or state. Read it, and ask the insurer directly about anything that matters to you.
