Travel insurance policies are designed to cover unforeseen events. Once an event occurs, it can no longer be covered by policies purchased after that date. In terms of a hurricane, the time it originally "occurs" is the date it is named.
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On the other hand, travelers who did purchase a travel insurance policy may be covered to come home early or cancel their trip entirely, and receive a full refund of their unused expenses. Hurricanes are generally covered events under Trip Cancellation-style policies, however when that coverage becomes available ranges between policies.
The most generous policies cover a cancellation as early as when a hurricane warning is issued at the destination. Currently, parts of the Hawaiian Islands are already under a hurricane warning. However, most travel insurance policies require a flight delay or cancellation, your accommodations to be uninhabitable, or an evacuation issued at the location, before cancellation coverage becomes available.
Squaremouth compares travel insurance policies from every major travel insurance provider in
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