Booking a tropical Caribbean or seaside vacation during hurricane season is always something of a gamble. The statistical chances of a hurricane impacting your trip are rather slim, but certainly not zero. And while some years are quiet, with only a handful of named storms threatening tourism areas, overall the trend appears heading toward an increase in hurricane frequency and intensity.

Understandably, this might have you considering hurricane travel insurance for your next trip to a hurricane-vulnerable area. But there are a few things you should know before buying coverage.

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