The disaster that hit the Solomon Islands should be a warning to baby boomers and senior tourists of AARP age (over 50) that it's a good idea to buy more than trip cancellation insurance when planning adventure travel to exotic places that could experience weather disasters.
Trip cancellation insurance, according to a broker who deals with Chubb and other insurance companies, only covers the cost of trips themselves, and may include deductibles. Those who have comprehensive homeowners insurance may be automatically covered for some baggage. However, everyone, especially mature travelers, should ask for quotes on stand-alone travel insurance policies or riders from an insurance company that cover such elements as replacement medications, emergency evacuations, emergency medical costs, and even accidental death.