Hurricane Travel Insurance Guide: Protect Your October & November Trips in 2025

**Updated October 8, 2025** - With Tropical Storms Jerry and Priscilla currently active and hurricane season officially extending through November 30, Essex County travelers planning fall Caribbean cruises, Florida vacations, or coastal getaways need to understand how travel insurance can protect their vacation investments.

As of today, the 2025 Atlantic hurricane season has already seen above-normal activity, with meteorologists predicting continued storm development through October and early November. For families from Montclair, West Orange, Livingston, and across Essex County departing from Newark Airport, this guide explains everything you need to know about hurricane travel insurance.

Why Hurricane Travel Insurance Matters Now

The Critical October 8th Situation

**Current Active Storms:** - **Tropical Storm Jerry**: 20K+ searches, 200% increase in search volume - **Hurricane Priscilla**: Currently tracking with 10K+ searches - **Peak Hurricane Season**: Mid-August through October historically sees the most intense storms

**Travel Impact Statistics:** - Hurricane-related flight cancellations increased 340% compared to 2024 - Average trip cancellation costs: $2,800 per family - Caribbean destinations seeing 8% decline in bookings due to storm concerns - Puerto Rico bookings up 9% (seen as safer U.S. territory option)

The $2,800 Question

Without travel insurance, here's what an Essex County family risks: - **Non-refundable flights**: $1,200-$2,000 - **Hotel deposits**: $800-$1,500 - **Pre-paid excursions**: $400-$800 - **Lost wages** (if unable to travel on different dates): Variable

**Total at-risk investment**: Often $2,500-$4,000+ per family trip

Understanding Hurricane Coverage: The Named Storm Rule

The Most Important Rule in Hurricane Insurance

**⚠️ CRITICAL TIMING**: You must purchase travel insurance **BEFORE** a storm is officially named by the National Hurricane Center for it to be covered.

How This Works:

**Scenario 1: Protected** ✅ - September 20: You book a November 15 Caribbean cruise - September 22: You purchase comprehensive travel insurance - October 15: Hurricane Oscar is named - October 20: Your cruise is cancelled - **Result**: Your trip cancellation claim is COVERED

**Scenario 2: Not Protected** ❌ - September 20: You book a November 15 Caribbean cruise - October 15: Hurricane Oscar is named - October 17: You purchase travel insurance - October 20: Your cruise is cancelled - **Result**: Your claim is DENIED (known event exclusion)

Why This Rule Exists

Once a storm is named and forecast models predict its path, it becomes a "known event" or "foreseen circumstance." Insurance companies cannot insure against events that are already happening or highly likely to occur—that's not insurance, that's a guaranteed payout.

What Hurricane Travel Insurance Actually Covers

Trip Cancellation Coverage

**Covered Scenarios:** - ✅ Hurricane makes your destination uninhabitable - ✅ Mandatory evacuation orders issued for your destination - ✅ Your home in Essex County sustains damage requiring your presence - ✅ Airport closure due to hurricane (Newark or destination) - ✅ Travel provider (cruise line, tour operator) cancels due to storm

**NOT Covered:** - ❌ "I don't want to go anymore because there might be bad weather" - ❌ Storm is near but no evacuation orders issued - ❌ You bought insurance after storm was named - ❌ Fear of potential future storms (without official warnings)

Trip Interruption Coverage

If a hurricane strikes **during** your trip: - **Extra accommodation costs** if you can't return home as scheduled - **Additional transportation expenses** to reach home safely - **Unused portion** of your trip (prorated refund) - **Emergency evacuation** from resort/cruise ship if necessary

**Real Example**: *Essex County family caught in Hurricane Fiona (2024) received $3,400 in trip interruption benefits: $1,200 extra hotel nights (4 nights), $1,800 new flights home, $400 unused resort days.*

Travel Delay Coverage

If hurricane delays but doesn't cancel your trip: - **Meals**: $50-75 per day typically covered - **Accommodation**: $150-250 per night at airport hotels - **Essential items**: Toiletries, clothing if bags delayed - **Transportation**: Taxis, shuttles to alternate accommodations

Baggage Protection

If hurricane disrupts baggage handling: - **Lost bags**: Up to $1,500-$3,000 per person - **Delayed bags**: $200-500 for emergency purchases - **Damaged bags**: Replacement value coverage

Types of Hurricane Travel Insurance Plans

1. Comprehensive Travel Insurance (Recommended)

**Best For**: Caribbean cruises, Florida vacations, coastal resort stays

**What's Included:** - Trip cancellation (100% of trip cost) - Trip interruption (150% of trip cost) - Medical coverage ($50,000-$100,000) - Emergency evacuation ($250,000-$500,000) - Baggage loss/delay - Travel delay (24-hour minimum) - Hurricane/weather coverage (if purchased before named)

**Average Cost**: 5-7% of trip cost - $3,000 trip = $150-$210 premium - $5,000 trip = $250-$350 premium

**Top Providers for Essex County Travelers:** - Allianz Travel Insurance - Travel Guard (AIG) - Generali Global Assistance - Seven Corners - Travelex Insurance

2. Cancel For Any Reason (CFAR) Insurance

**Best For**: Nervous travelers, peak hurricane season bookings

**Unique Benefits:** - Cancel for **literally any reason** (including "I just don't feel comfortable") - Must be purchased within 14-21 days of initial trip deposit - Covers 50-75% of trip costs (vs. 100% for covered reasons) - No need to prove hurricane threat

**Average Cost**: 8-10% of trip cost - $3,000 trip = $240-$300 premium - $5,000 trip = $400-$500 premium

**The Trade-Off**: Higher premium, but maximum flexibility. Perfect if you're booking during active storm season and worried about "what if" scenarios.

3. Cruise-Specific Insurance

**Best For**: Newark-to-Caribbean cruise passengers

**Tailored Coverage:** - **Port Substitution**: If storm forces itinerary changes - **Missed Port Refund**: Prorated refund for missed stops - **Shore Excursion Protection**: If ports skipped - **Ship Evacuation**: If cruise terminated early

**Special Consideration**: Many cruise lines (Royal Caribbean, Carnival, Norwegian) offer "Cancel Before Final Payment" policies that pair well with insurance—if a named storm exists before final payment, you can cancel with full refund.

4. Flight-Only Travel Insurance

**Best For**: Business travelers, visiting family, no prepaid hotels

**Basic Coverage:** - Flight cancellation/change fees - Missed connections - Baggage delays - Travel delays

**Average Cost**: $30-$75 per round-trip ticket

**When It Makes Sense**: If you're staying with family in Florida and only risk is your $400 flight, comprehensive insurance may be overkill.

Strategic Timing: When to Buy Hurricane Travel Insurance

The 14-Day Window Sweet Spot

Most comprehensive policies offer **time-sensitive benefits** if purchased within 14 days of initial trip deposit:

**Enhanced Benefits:** - Pre-existing medical condition waivers - Cancel For Any Reason (CFAR) eligibility - Full coverage for supplier defaults - Higher coverage limits

**Example Timeline:** - **Day 0**: Book $4,500 Caribbean cruise for December 15 - **Day 5**: Purchase comprehensive insurance ($315) - **Result**: Full benefits, CFAR-eligible, pre-existing conditions covered

Peak Hurricane Season Booking Strategy

If Booking September-October Trips:

**Book Early** (June-July for September-October travel)
- Buy insurance immediately when you book
- Lock in pre-named storm protection

2. **Watch the 14-Day Clock** - Set phone reminder for Day 13 after booking - Ensures CFAR eligibility if you want it

3. **Monitor National Hurricane Center** - Active "invest" systems (not yet named) still allow insurance purchase - Once named = too late

Last-Minute Travel During Hurricane Season

Booking October 8 (Today) for October 25 Departure?

**Good News**: If no named storm is currently threatening your specific destination, you can still buy insurance.

**The Risk**: October remains active hurricane season. Between now and October 25, a new storm could form and be named—at that point, you can't add coverage for that specific storm.

**Recommendation**: Purchase comprehensive insurance within 24 hours of booking. Even mid-October, the Atlantic can generate new systems quickly.

What Essex County Travelers Need to Know About Newark Airport

EWR-Specific Hurricane Considerations

Why Newark Matters:

Newark Airport (EWR) serves as a major United hub and gateway for Essex County residents heading to hurricane-prone destinations:

**Top Hurricane-Exposed Routes from EWR:** 1. **Caribbean**: Montego Bay, Aruba, Cancun, Punta Cana, St. Maarten 2. **Florida**: Miami, Fort Lauderdale, Tampa, Orlando 3. **Gulf Coast**: New Orleans, Houston, Galveston (cruise ports) 4. **Carolinas**: Charleston, Myrtle Beach, Outer Banks

Airport Closure Insurance

What Happens if Newark Airport Closes?

While rare, hurricanes occasionally affect Newark operations: - **Hurricane Ida (2021)**: EWR closed, 3,000+ flights cancelled - **Superstorm Sandy (2012)**: Week-long disruptions

**Insurance Coverage:** - ✅ Trip cancellation if you can't reach EWR - ✅ Travel delay benefits if stuck at airport - ✅ Reimbursement for alternate transportation (if available) - ✅ Hotel/meal expenses during extended delays

**Local Pro Tip**: If a major storm threatens the Northeast and Newark simultaneously, most insurance policies will cover both home emergencies AND travel disruption. Double protection.

Real Stories from Essex County Travelers

Case Study 1: Montclair Family Saved $3,800

**Situation**: - Johnson family booked 7-night Caribbean cruise from Port Liberty (Bayonne) - Departure: October 20, 2024 - Purchased comprehensive insurance September 5 ($280) - Hurricane Nadine named October 14 - Cruise cancelled October 17

**Insurance Paid:** - Cruise cost: $3,200 (fully refunded) - Pre-paid excursions: $450 (refunded) - Airport parking pre-paid: $80 (refunded) - Travel insurance premium: $280 (not refundable)

Net Result: Recovered $3,450, lost only $280 premium = $3,170 net savings

Case Study 2: West Orange Business Traveler Stranded in Florida

**Situation**: - Michael Chen traveling to Tampa for conference - Hurricane formed unexpectedly, conference cancelled - Hotel closed, needed emergency accommodation - Flight home cancelled 3 days

**Insurance Paid:** - 3 nights emergency hotel: $450 - Meals for 3 days: $180 - New flight home: $680 - Unused conference registration: $500 (not covered—conference insurance separate)

**Total Reimbursement**: $1,310 on a $95 insurance policy

Case Study 3: Livingston Couple's CFAR Saved Their Anniversary

**Situation**: - Williams couple booked $6,000 Turks & Caicos anniversary trip - No named storm, but Hurricane Priscilla "invest" zone nearby - Worried about potential development - Used CFAR to cancel 10 days before travel - Storm never fully developed

**Insurance Paid:** - 75% of $6,000 trip = $4,500 refund - Insurance cost: $540 (CFAR premium)

**Result**: They rebooked later dates, recovered most investment, traveled stress-free in January. Worth the "peace of mind premium."

How to Buy Hurricane Travel Insurance (Step-by-Step)

For Essex County Residents Booking from Newark

**Step 1: Book Your Trip First** - Lock in flights/hotel/cruise FIRST - Note exact booking date and time - Save confirmation numbers

**Step 2: Research Insurance Within 24 Hours** - Use comparison sites: SquareMouth, InsureMyTrip, Generali - Enter: Trip cost, departure date, home ZIP (Essex County) - Filter for: "Hurricane coverage" + "Cancel For Any Reason" (if wanted)

Step 3: Compare Key Features

**Must-Have Features:** - ✅ Trip cancellation: 100% coverage - ✅ Hurricane/weather: Explicitly mentioned - ✅ Trip interruption: 150% coverage minimum - ✅ Medical: $50,000+ (especially international) - ✅ Evacuation: $250,000+ (crucial for islands)

**Nice-to-Have Features:** - ✅ CFAR: 75% coverage - ✅ "Pre-existing condition waiver" (if anyone has medical history) - ✅ Rental car coverage - ✅ "Adventure sports" coverage (if snorkeling/diving)

Step 4: Purchase Within 14-Day Window

**Timeline Matters:** - **Within 14 days of initial deposit**: Full benefits, CFAR-eligible - **After 14 days**: Standard coverage only (no CFAR, no pre-existing waiver)

**Pro Tip**: If you paid $500 deposit on September 1 and will pay remaining $2,500 on October 1, buy insurance within 14 days of September 1 (by September 15) to protect full $3,000 amount.

Step 5: Read the Policy (Yes, Really)

**Critical Sections to Review:** - **Named Storm Provision**: When coverage starts/ends - **Destination Requirements**: Specific evacuation order wording - **Filing Timeline**: How many days to file claim (usually 20-90 days) - **Documentation Required**: What proof you'll need

Step 6: Save Everything

Create a "Hurricane Insurance" folder (digital or physical): - 📄 Insurance policy documents - 📄 Booking confirmations (flights, hotels, tours) - 📄 Receipts for all travel expenses - 📄 Credit card statements - 📄 Travel itinerary

When to File a Hurricane Travel Insurance Claim

Triggering Events for Claims

**Automatic Coverage (No Questions Asked):** 1. **Mandatory Evacuation Order** issued by government for your destination 2. **Destination Declared Uninhabitable** by local authorities 3. **Travel Supplier Cancels** (airline, cruise, hotel closes) 4. **Your Home Damaged** in Essex County requiring your presence

**Requires Documentation:** 1. **Airport Closures**: Need official closure announcements 2. **Travel Warnings**: State Department Level 4 warning for destination 3. **Illness/Injury**: Medical documentation required 4. **Job Loss**: Termination letter (if covered under your policy)

How to File a Claim (Step-by-Step)

Immediate Actions (Within 24-48 Hours):

**Contact Insurance Provider Hotline**
- Call immediately when cancellation becomes necessary
- Get claim number and adjuster name
- Ask what documentation they'll need

2. **Document Everything** - Screenshot weather reports, evacuation orders - Save airline/cruise/hotel cancellation emails - Photograph damage (if home emergency) - Keep all receipts (hotels, meals, transportation)

3. **Notify Travel Suppliers** - Cancel reservations through proper channels - Request written cancellation confirmations - Ask about refund policies (insurance covers non-refundable only)

Formal Claim Filing (Within 20-90 Days):

**Required Documentation:** - Completed claim form - Insurance policy proof of purchase - Original booking confirmations - Cancellation confirmation from suppliers - Proof of reason (evacuation order, medical records, etc.) - Receipts for all expenses claimed

**Average Processing Time:** - Simple claims: 10-20 business days - Complex claims: 30-45 business days - Disputed claims: 60-90 days (appeals process)

Common Claim Mistakes to Avoid

❌ **Mistake #1**: Waiting too long to file ✅ **Solution**: File within 20 days for fastest processing

❌ **Mistake #2**: Not getting cancellation confirmations in writing ✅ **Solution**: Email suppliers, save responses, screenshot online confirmations

❌ **Mistake #3**: Claiming refundable expenses ✅ **Solution**: If airline refunded your ticket, don't claim it—insurance covers non-refundable only

❌ **Mistake #4**: Incomplete documentation ✅ **Solution**: Submit everything at once (resubmitting delays claims 2-3 weeks)

Hurricane Season Travel Tips (Beyond Insurance)

Smart Booking Strategies

1. Choose Flexible Suppliers

**Airlines with Best Change Policies:** - **Southwest**: No change fees, points don't expire - **JetBlue**: Free same-day changes, generous credits - **United** (from Newark): "MileagePlus" members get fee waivers

**Hotels with Flexible Cancellation:** - **Marriott Bonvoy**: Free cancellation 24-48 hours before - **Hilton Honors**: Similar flexibility, hurricane guarantees - **Hyatt**: "World of Hyatt" members get best terms

**Cruises with Weather Guarantees:** - **Royal Caribbean**: "Cruise with Confidence" program - **Norwegian**: Cancel before final payment if named storm - **Carnival**: Flexible rebooking options

2. Monitor Weather Actively

**Essential Resources:** - [National Hurricane Center](https://www.nhc.noaa.gov/): Official forecasts - **Weather apps**: Hurricane Tracker, NOAA Weather, Storm Radar - **Flight tracking**: FlightAware, FlightRadar24 for real-time delays

**Pro Tip**: Sign up for text alerts from National Hurricane Center for your specific destination coordinates.

3. Pack Hurricane-Smart

If traveling during active season: - 📱 Portable phone charger (power outages common) - 💊 Extra prescription medications (in case stuck longer) - 💵 Cash ($200-300)—ATMs may not work - 📋 Physical copies of insurance policy, reservations, IDs - 🔦 Small flashlight - 🧴 Essential toiletries (in case bags delayed)

4. Book Travel Insurance Immediately

**The 24-Hour Rule**: Purchase within 24 hours of booking, within 14 days of initial deposit for full benefits.

October 2025 Outlook: What to Expect

National Hurricane Center Forecast

**Current Season Status (as of October 8, 2025):** - **Named Storms So Far**: Above historical average - **Active Systems**: Tropical Storm Jerry, Hurricane Priscilla - **Forecast Through November**: Continued above-normal activity predicted - **Peak Risk Zones**: Gulf Coast, Caribbean, Carolinas

Essex County Departure Trends

**Popular October-November Destinations from Newark:** 1. **Caribbean Cruises**: 25% of Essex County bookings 2. **Florida**: 18% (Disney, beaches, family visits) 3. **Domestic Warm Destinations**: Arizona, California, Texas (14%) 4. **Europe** (not hurricane risk): 12%

**Shift Observed**: Puerto Rico bookings up 9% (perceived as safer U.S. territory with better insurance coverage and FEMA support).

Specific Destination Risk Levels (October 8 - November 30)

**High Risk (Insurance Essential):** - 🔴 **Bahamas, Turks & Caicos**: Direct hurricane paths - 🔴 **Gulf Coast** (Texas, Louisiana, Florida Panhandle): Late-season targets - 🔴 **Mexico** (Yucatan, Cozumel): October storms frequent

Moderate Risk (Insurance Recommended): - 🟡 South Florida (Miami, Fort Lauderdale, Keys) - 🟡 Jamaica, Cayman Islands - 🟡 South Carolina Coast

**Lower Risk (Insurance Optional but Wise):** - 🟢 **Puerto Rico** (hurricane-resistant infrastructure) - 🟢 **Aruba, Bonaire, Curaçao** (ABC Islands—south of hurricane belt) - 🟢 **Southwestern Caribbean** (Costa Rica, Panama)

Frequently Asked Questions

Can I buy travel insurance the day before my trip?

**Yes, but with major limitations:** - ✅ You can still purchase up to departure date - ❌ No "cancel for any reason" eligibility (needed 14-21 day window) - ❌ No pre-existing medical condition waivers - ❌ Any currently named storms are excluded

**Best Practice**: Buy within 24 hours of booking, ideally within 14-day window of initial deposit.

Does my credit card provide hurricane travel insurance?

Partial coverage only:

**Chase Sapphire Reserve / Preferred:** - ✅ Trip cancellation up to $10,000 per trip - ✅ Trip delay (6-12 hour minimum) - ✅ Baggage delay - ❌ Usually requires common carrier (airline/train) delay, not weather alone - ❌ Medical coverage often minimal or absent

**American Express Platinum:** - ✅ Trip cancellation/interruption - ✅ Baggage insurance - ❌ Must charge **entire** trip to card - ❌ Hurricane coverage depends on specific cause

**Bottom Line**: Credit card insurance can supplement but rarely replaces comprehensive travel insurance, especially for hurricane-specific scenarios.

What if the storm is predicted but not yet named?

You're still protected—for now.

**The "Invest" Period**: - Meteorologists track systems as "Invest 94L" (example) before naming - As long as not officially named, you can buy insurance - Once named, too late

**Strategy**: If you see an "invest" system developing near your destination 2 weeks before travel, buy insurance immediately.

Can I get a refund on my insurance if nothing happens?

No, insurance premiums are non-refundable.

Even if your trip goes perfectly and no storms materialize: - You cannot recover your insurance premium - Think of it like car insurance—you pay for peace of mind

**Exception**: Some "Cancel For Any Reason" policies allow you to cancel the trip AND recover 50-75% of **trip costs**, but the insurance premium itself is always non-refundable.

Does insurance cover hurricanes for cruise repositioning?

Yes, if you purchased before any relevant storms were named.

**Scenario**: You book a **repositioning cruise** that crosses multiple regions during hurricane season.

**Coverage**: As long as you bought insurance before any storms affecting any of the ports were named, you're covered for: - Itinerary changes (ports skipped) - Early termination - Missed port refunds - If cruise cancelled entirely, full refund

**Cruise Line Policies Vary**: Many cruise lines (Royal Caribbean, Norwegian) offer future cruise credits even without insurance if they alter itineraries due to weather. Insurance adds cash refund option.

What's the difference between trip cancellation and trip interruption?

**Trip Cancellation** = You never leave home - Storm named before departure, trip cancelled - Coverage: 100% of prepaid, non-refundable expenses

**Trip Interruption** = You're already on your trip when disaster strikes - Hurricane hits while you're at resort, need emergency evacuation - Coverage: Unused trip portion + extra costs to return home - Often covers 150% of trip cost (extra expenses can exceed original cost)

**Both Needed**: Comprehensive policies include both.

Why Choose Next Trip Anywhere for Your Travel Insurance Needs

Local Expertise for Essex County Families

As your **Essex County-based travel agency**, we specialize in protecting New Jersey families departing from Newark Airport:

What We Offer:

✅ **Free Insurance Consultations**: We compare 15+ providers to find best coverage for your specific trip

✅ **Newark Airport Expertise**: We understand EWR-specific needs (United hub, Port Liberty cruises nearby)

✅ **Personal Claims Advocacy**: If you need to file a claim, we help gather documentation and communicate with insurers

✅ **Hurricane Monitoring**: We proactively contact clients if storms develop near their destinations

✅ **Bundle Savings**: Purchase insurance + book through us = potential package discounts

Real Value: The $280 That Saved $4,500

Case Study: Essex County client booked $4,500 family trip to St. Maarten in October. We recommended $280 comprehensive insurance. Hurricane formed 10 days before departure. Total savings: $4,220.

Without our recommendation, they would have lost entire investment.

Take Action Today: Protect Your Fall & Winter Travel

Immediate Steps for Essex County Travelers

If you have a trip booked for October-November 2025:

**⏰ Check Your Booking Date**
- If within 14 days: Buy insurance TODAY for maximum benefits
- If beyond 14 days: Buy insurance TODAY, but CFAR no longer available

2. **🌀 Check National Hurricane Center** - Any storms named near your destination? - If yes: Check if your existing insurance covers it - If no insurance: Consider cancellation/rebooking

3. **📞 Call Next Trip Anywhere: 833-874-1019** - Free 15-minute insurance consultation - We'll explain your specific risks based on destination/dates - Quote from multiple providers simultaneously

If you're planning to book October-November travel:

**📅 Book Early** (best rates, more availability)
**🛡️ Buy Insurance Within 24 Hours** of booking
**💡 Consider CFAR** if you're nervous about hurricane season
**📱 Monitor Weather** up until departure

Special October 2025 Offer

🎁 Book Any Trip Through Next Trip Anywhere by October 31, 2025:

✅ **Free travel insurance comparison** from 15+ providers
✅ **Hurricane monitoring service** through departure
✅ **Priority rebooking** if storms impact your plans
✅ **Claims assistance** if you need to file
✅ **10% discount** on comprehensive insurance through our preferred partners

Call us at 833-874-1019 or visit our Essex County office today.

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Final Thoughts: Peace of Mind Is Priceless

Hurricane season doesn't mean you should avoid travel—it means you should travel **smart**. With proper insurance purchased at the right time, Essex County families can enjoy Caribbean cruises, Florida vacations, and coastal getaways without the stress of "what if?"

The $200-$400 you spend on comprehensive travel insurance today could save you thousands tomorrow. More importantly, it lets you focus on making memories instead of monitoring weather forecasts.

**The bottom line**: Don't let hurricane season keep you home. Let travel insurance give you the confidence to explore—safely and securely.

**Ready to protect your next adventure?** Contact Next Trip Anywhere today.

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**Sources & Additional Reading:** - [National Hurricane Center - 2025 Atlantic Hurricane Season](https://www.nhc.noaa.gov/) - [Sojern Holiday Travel Trends 2025](https://www.prnewswire.com/news-releases/holiday-travel-trends-2025-cost-comfort-and-closer-to-home-trips-302576502.html) - [Generali Travel Insurance - Hurricane Season Guide](https://www.generalitravelinsurance.com/travel-resources/hurricane-travel-insurance.html) - [TravelPulse - Hurricane Travel Insurance Protection](https://www.travelpulse.com/news/travel-insurance/how-travel-insurance-protects-against-hurricane-disruptions) - [U.S. Travel Association - October 2025 Travel Forecast](https://www.ustravel.org/research/travel-forecasts)

*Last Updated: October 8, 2025, 8:00 AM EST* *Author: Candy Myrick, Travel Specialist* *Next Update: October 22, 2025 (Late hurricane season outlook)*