Trip insurance is always a good idea, but make sure you know what is or isn't covered. Some trip insurance will only cover losses resulting from actual closure of a hotel or cancellation of activities due to a storm. So if you realize your destination is about to take a hit and decide not to fly down before the hotel is actually closed, you may not be covered. or if the hotel stays open during the storm to accommodate guests who couldn't leave, they may not cover you. In most cases, airlines, reputable dive resorts, and their dive operators, will work with you to reschedule around a hurricane without change fees, so what you gain from the trip insurance due to a storm caused cancellation may be marginal compared to the cost of the insurance. There are plenty of other good reasons to have trip insurance, but I have always been somewhat undecided as to whether coverage for storm related problems by itself is really worth it. To me, trip insurance is really for the things you aren't imagining happening (family illness, last-minute injury, etc.), while storms are kind of a known commodity that you can work around if you have a decent resort and airline.