Most resorts, cruises, and amusement parks already have policies in place for refunds and cancellations when a hurricane hits, but without travel insurance, some vacationers could lose whatever money they've put down.
The vacation island of St. Marten tonight is badly damaged following a direct hit by Hurricane Irma, which walloped the French Caribbean islands.
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Marita Williams from Triple A in Pittsburgh told Channel 11 cruise lines have already changed itineraries, extending cruises for some, which will delay cruises for others.
“A lot of rerouting,” she said. “A lot of the ships that have already departed before the bulk of the storm came through, they've either extended or gone in a different direction.”
Many hotels and resorts are allowing guests to cancel without penalty. Theme parks each have different policies, but generally will offer refunds if a hurricane warning is issued within a week of the stay.
Some airlines are waiving fees and fare changes.
Williams said Irma's impact could go well beyond Florida or Caribbean travel and vacations -- possibly disrupting flights clear across the country.
“Even if you're leaving from Pittsburgh going to California, you really want to check those flights ahead of time because you may be affected by the flight that was originating in Florida, coming to Pittsburgh and going on,” Williams said.