Abogados de Inmigracion

New this year: policies from Apple Vacations, Worry-Free Vacations and CheapCaribbean.com, operators that specialize in the Caribbean and Mexico. Similar confidence boosters are offered by such companies as TNT Vacations, Club Med, Sandals, and SuperClubs.

Apple promises vacationers who buy an insurance policy ($49.99 or $69.99) at the time of booking a package and stay at select hotels in Mexico, Jamaica or the Dominican Republic between Aug. 15 and Oct. 31 that "if a hurricane interrupts your vacation, whether for one day or several, you get a free replacement vacation." But, the terms and conditions note, the hotel must interrupt full operations for at least 24 hours, and hurricane warnings don't apply.

Worry-Free Vacations, which sells charter packages from a half-dozen U.S. cities to Mexico and Jamaica, says customers can rebook their trips if the National Hurricane Center issues a hurricane watch or warning for their destinations. But while they can switch to another location for free if they leave within seven days before or after their original departure, less flexible travelers must pay $50 per person for a "gift-card refund." The card is valid for another Worry-Free destination, but the trip must be booked within 60 days and is based on availability.

CheapCaribbean.com's new "Free Your Mind" plan, included in each package, features traditional insurance plus a one-time change or cancellation waiver. Travelers who give at least three hours' notice, for any reason, get a space-available credit voucher redeemable for another package within a year of the cancellation date.