Im worried that a predicted storms path will be too near to the location of my upcoming insured vacation; can I cancel for a refund?
If the storm directly affects your travel arrangements or accommodations, you are entitled to Trip Cancellation or Trip Interruption benefits. For example: an airport is closed due to the high winds; you are forced to evacuate your hotel/resort; the road you are traveling is impassable due to high water. On the other hand, if you choose to cancel a trip based on what you think might happen — and not because the inclement weather has directly affected your travel arrangements — that would be considered a matter of choice — not a direct loss to your arrangements.