Which Travel Insurance Covers Terrorism

Which Travel Insurance Covers Terrorism – Many travelers worry about acts of terrorism when traveling abroad. With thousands of terrorist attacks occurring worldwide, this is a valid concern.

While most terrorist acts occur in Middle Eastern countries, major terrorist attacks have occurred in major tourist-crowded cities in Europe, such as Barcelona and Paris. Terrorist acts also occur in Asian countries with many tourists, such as Thailand and the Philippines.

It is always a good idea to have comprehensive travel insurance when traveling to other countries. When choosing travel insurance, make sure it offers enhanced coverage that provides travel disruption as part of your standard policy.

It provides protection against acts of terrorism. Including this coverage as part of your travel insurance will definitely give you peace of mind in that you will be protected from unwanted risks. Travel interruption insurance or force majeure provides coverage in the following circumstances:

  • Travel is delayed for more than 24 hours due to war or war-like events.
  • Delays caused by natural disasters or major weather conditions. Examples of natural disasters include earthquakes and volcanic eruptions. Major climatic conditions include typhoons and hurricanes.
  • If your return journey is delayed by more than 24 hours, the policy usually covers food and lodging.

Here are some scenarios where getting comprehensive travel insurance with trip disruption coverage can help.

  • If your return flight is delayed due to a sudden civil war in the country where you live, travel insurance can help cover the cost.
  • If you are stranded overseas because the airport or other alternative means are closed, you may be able to claim all travel expenses incurred while waiting for your return flight.
  • Travel insurance covers the costs incurred if you are unable to travel or if your travel must be shortened due to FCO or U.S. Department of State recommendations or terrorist attacks.

You might think that an act of terrorism or civil unrest is unlikely where you are going. However, recent terrorist incidents in unexpected places have made travelers more cautious. More and more travelers are inquiring about terrorism coverage because they are concerned about the possibility of terrorist acts occurring in their destination country.

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

The following are the requirements for obtaining terrorism coverage:

  • The situation must be identified as an act of terrorism by the US Department of State, the local government where the attack occurred, or the FCO.
  • The act of terrorism must occur in or near a city listed on the traveler’s itinerary.
  • The act of terrorism must occur within 7 to 30 days of the traveler’s intended date of arrival.