J Peterman said:
Set to go to the Cayman Islands Aug 2, should I cancel and switch to a plan B? Don't get travel insurance, hoping United would let me change to a new location. Looks like I'd lose my one night deposit with the Kimpton Safire which grinds my gears. Any thoughts on how long it would take to recover and if I'd be good to go Aug 2? Thanks!
It's not too late to get insurance. Typically, I only insure the non-refundable portion of the trip, which in this case would be the one night penalty.
Let's say your hotel is $1k a night.
Insurance to cover that is $86-$100 for two 45 year olds. So $100 or less for 2 people. Also includes medical coverage, trip delay, lost baggage, etc.
The kicker is here there might be three more hurricanes for more hurricanes before August 2. You just don't know.
Editing to add, once it's a name storm then you can no longer buy insurance for that particular storm. I had a Texager buy insurance 3 to 4 days before hurricane Beryl became a hurricane - and he is covered.