Access America (866/729-6021. www.accessamerica.com). AIG Travel Guard (800/826-4919. www.travelguard.com). CSA Travel Protection (800/873-9855. www.csatravelprotection.com). HTH Worldwide (610/254-8700. www.hthworldwide.com). Travelex Insurance (888/228-9792. www.travelex-insurance.com). Travel Insured International (800/243-3174. www.travelinsured.com).
OK. You know you can save a bundle on trips to warm-weather destinations by traveling in rainy season. But there's also a chance that a severe storm will disrupt your plans. The solution? Look for hotels and resorts that offer storm/hurricane guarantees. Although they rarely allow refunds, most guarantees do let you rebook later if a storm strikes.