If your vacation is ruined by a hurricane, will it be covered by trip insurance? The short answer is: sometimes. But in this case, it's more complicated.

If a hurricane ruins my vacation, will trip insurance cover me?

Norman Fitton and his wife paid $2,615 for a vacation rental in Kitty Hawk, N.C., from Sept. 7 to 14. Unfortunately, they had an unexpected visitor: Hurricane Dorian. The storm made landfall at Cape Hatteras, forcing the Fittons to ask: If your vacation is ruined by a hurricane, will it be covered by trip insurance?

The short answer is: sometimes.