When heavy winter storms fly over the area, this usually means problems for travelers.

Airlines may have to cancel thousands of flights affecting travelers all over the country, hotels can sell themselves abruptly and cruise ships have to change the departure time to get there safely.

<p class = "canvas-atom canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "The good news in this period of bad weather is that many travelers enjoy some protection from the moment they buy their trip. travel credit cards provides insurance benefits to cover weather-related incidents, including cancellation and travel delays. "Data-reactid =" 24 "> The good news, despite the bad weather, is that many travelers enjoy some protection as soon as they purchase their trip. travel credit cards provide insurance benefits to cover weather-related incidents, including cancellation and travel delays.

But this insurance will not necessarily cover all situations in which you will have to cancel or change your plans due to winter conditions. Experts suggest that you consider taking out additional travel insurance to cover credit card shortcomings on long trips, trips for which health insurance is required or over $ 10,000.

<p class = "canvas-atom-canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "Before you buy travel insurance policy, make sure you understand what coverage is included in your credit card. Here's what to look for. "Data-reactid =" 26 "> Before buying a product travel insurance policy, make sure you understand what coverage is included in your credit card. Here's what to look for.

<p class = "canvas-atom canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "Are you covered ?: Coverage depends on how travelers buy their trip. If it is purchased with a credit card, some travel insurance benefits may already apply. But if they pay by debit card or check, they can not benefit from any coverage without subscribing to a travel insurance policy. "Data-reactid =" 27 ">Are you covered ?: Coverage depends on how travelers buy their trip. If it is purchased with a credit card, some travel insurance benefits may already apply. But if they pay by debit card or check, they can not benefit from any coverage without subscribing to a travel insurance policy.

<p class = "canvas-canvas canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "And note:" For travel insurance from third party you must collect receipts and credit card statements to submit a claim, "says Steven Benna, marketing specialist for the travel insurance website Squaremouth.com. "data-reactid =" 28 "> And note:" For third-party travel insurance policies, you need to collect receipts and credit card statements to submit with a claim, "says Steven Benna, specialist in marketing for the travel insurance website. Squaremouth.com.

<p class = "canvas-atom canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "Winter time: If planes are still in flight, the benefits in the event of trip cancellation and travel delay do not generally apply. But flights modified by an airline can count for cancellation of the trip. If a flight or excursion is canceled by an airline, train or bus because of extreme weather conditions, travelers may claim reimbursement for non-refundable costs lost as a result of the storm. "Data-reactid =" 29 ">Winter time: If planes are still in flight, the benefits in the event of trip cancellation and travel delay do not generally apply. But flights modified by an airline can count for cancellation of the trip. If a flight or tour is canceled by an airline, train or bus because of extreme weather conditions, travelers may file a claim to recover the non-refundable costs lost as a result of the storm.

<p class = "canvas-atom canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "Named storms: A traditional travel insurance plan can not cover claims resulting from a named storm unless the plan was purchased before its name. "Data-reactid =" 30 ">Named storms: A traditional travel insurance plan can not cover claims resulting from a named storm unless the plan was purchased before its name.

<p class = "canvas-atom canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "Travel insurance from credit cards may not have the same restrictions, but often only cover incidents directly due to weather conditions. Read the explanation of the benefits to see what can be covered. "Data-reactid =" 31 ">Travel insurance from credit cards may not have the same restrictions, but often only cover incidents directly due to weather conditions. Read the explanation of the benefits to see what can be covered.

<p class = "canvas-atom canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "Cancellation of trip: Despite its name, all reasons for cancellation of a trip are not covered. Travelers can not claim travel insurance because they anticipate bad weather. But if the weather forces them to miss a trip or return home earlier, credit card travel insurance could help recover the costs. "Data-reactid =" 32 ">Cancellation of trip: Despite its name, all reasons for cancellation of a trip are not covered. Travelers can not claim travel insurance because they anticipate bad weather. But if the weather forces them to miss a trip or return home earlier, credit card travel insurance could help recover the costs.

"If not, a credit card can offer a trip cancellation of up to $ 10,000," says Benna. "But if travelers want something more comprehensive, they can take out liability insurance."

<p class = "canvas-atom canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "Travel delay insurance: Those who get stuck at the airport for an hour or two are not covered by travel delay insurance; travelers often have to be stranded for six to twelve hours before being able to claim a refund. "data-reactid =" 34 ">Travel delay insurance: Those who get stuck at the airport for an hour or two are not covered by travel delay insurance; travelers must often be stranded for six to 12 hours before being able to claim a refund.

Before you spend for a hotel or meals during a late trip, be sure to check the explanations of the benefits.

<p class = "canvas-atom canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "Lost or delayed luggage: Airplanes are not the only ones to delay winter storms. Luggage can also be left behind. Depending on the plan or policy, travelers can claim a refund if their baggage is missing between six and twelve hours. And in some situations, credit card insurance can offer better coverage, says Benna. "Data-reactid =" 36 ">Lost or delayed luggage: Airplanes are not the only ones to delay winter storms. Luggage can also be left behind. Depending on the plan or policy, travelers can claim a refund if their baggage is missing between six and twelve hours. And in some situations, credit card insurance can offer better coverage, says Benna.

In case of permanent loss of luggage, travel insurance by credit card can also provide for a refund. Travelers can file an insurance claim for lost or damaged items if they were at the expense of the airline or public carrier at the time. However, time is running out: after creating a relationship with the carrier, some insurers will only accept claims filed within 20 days.

<p class = "canvas-atom canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "More from NerdWallet"data-reactid =" 38 ">More from NerdWallet

Joe Cortez is a writer at NerdWallet. Email: jcortez@nerdwallet.com. Twitter: @JoeCortez.

The article Will travel insurance cover winter weather problems? originally appeared on NerdWallet.