Europe Travel Alert: Not a Reason to Cancel Your Trip

The U.S. Department of State issued a new Europe Travel Alert, citing increased risk of terrorism throughout Europe during the holiday season. Squaremouth, a leading travel insurance comparison site, answers traveler questions about coverage related to the travel alert for European countries.

Can I cancel my trip because of the Europe Travel Alert?
Travel insurance will not cover you to cancel your trip because of the Europe Travel Alert unless you have Cancel For Any Reason coverage. Despite “potential risks” of travel, a travel alert alone is not a covered reason to cancel a trip on standard travel insurance policies.

“Unfortunately, the threat of terrorism is not enough to trigger a policy’s Terrorism coverage,” said Squaremouth Product Manager Adam Rusin. “Standard policies do not list a travel alert as a covered reason to cancel your trip.”

Travelers who have a policy with the Cancel For Any Reason upgrade can cancel for a reason not otherwise covered by a standard policy, including fear of traveling due to a travel alert.

Can I cancel my trip if another terrorist attack occurs in Europe?
If your travel insurance policy includes Terrorism coverage, you may be able to cancel your trip if a terrorist attack occurs. However, you must meet the policy’s requirements to cancel for this reason.

Typically, this means the attack must occur in or near a city on your itinerary within 7-30 days of your departure date. The attack must be declared a terrorist act by the U.S. Department of State. Some policies will not provide coverage if a previous attack has occurred at that same destination within the past 30-90 days.

Does the Europe Travel Alert affect the availability of travel insurance?
The travel alert does not affect the availability of travel insurance coverage. Travelers can still purchase travel insurance for future trips to Europe, including cancellation policies with Terrorism coverage.

What if I don’t want to travel to Europe because of the Europe Travel Alert?
Fear of traveling is not a covered reason to cancel a trip on standard travel insurance. Only the Cancel For Any Reason benefit would cover you to cancel because you are nervous about traveling to a destination with a travel alert. This allows you to cancel for a reason not otherwise covered within the policy, such as a travel alert, and receive reimbursement of up to 75% of your trip cost. However, the Cancel For Any Reason upgrade also significantly increases the cost of the policy and must be purchased within 14-30 days of your first booking or trip deposit.