Which travel insurance covers terrorism?

Many travelers are concerned about terrorist acts when traveling abroad. This is a valid concern as thousands of terrorist attacks are taking place worldwide. While most terrorist attacks have taken place in Middle Eastern countries, major terrorist attacks have taken place in prominent European cities bustling with tourists, such as Barcelona and Paris. There have also been acts of terrorism in Asian countries frequented by tourists, such as Thailand and the Philippines.

When traveling to different countries, it always pays to take out comprehensive travel insurance. When choosing travel insurance, make sure they offer more comprehensive coverage to provide Travel Disruption as part of the standard policy. This provides cover for terrorist acts. Having this coverage as part of your travel insurance definitely gives you peace of mind that you are protected from unwanted risks. Travel disruption or Force Majeure insurance provides cover in the following circumstances:

  • When war or warlike events delay the journey for more than 24 hours.

  • When a natural disaster or major climatic conditions cause delays. Examples of natural disasters are earthquakes and volcanic eruptions. Important climatic conditions include typhoons and hurricanes.

  • If the return journey is delayed by more than 24 hours, the policy will usually cover the costs of food and lodging.

Here are some scenarios where comprehensive travel insurance with trip interruption coverage can be helpful:

  1. If a civil war suddenly breaks out in the country where you are located and your return flight home is delayed, you can recover the costs incurred with your travel insurance.

  2. If you get stuck abroad because the airport or other alternative way out of the country is closed, you may be able to claim travel expenses incurred while waiting for a return flight.

  3. If you are unable to travel or if you have to cut short your trip because of a recommendation from the FCO or the United States Department of State or because of a terrorist attack, your travel insurance will cover the costs incurred.

You may think that terrorist acts or civil unrest are most likely not going to take place in the place you are traveling to. However, recent terrorist events in unexpected places have made travelers more cautious. More and more travelers are asking about terrorism coverage because they are concerned about possible terrorist acts in the country they are going to.

Make sure your comprehensive travel insurance includes terrorism coverage. Most insurance companies offer this as part of their package.

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These are the conditions for eligibility for terrorism coverage:

  1. The situation must be classified as an act of terrorism by the United States Department of State, the local government where the attack took place, or the FCO.

  2. The terrorist act must take place in the city or near the city listed on the traveler’s itinerary.

  3. The terrorist act must have taken place within 7 to 30 days of a traveler’s scheduled arrival.