As of September 19, the NYC bombing has not been declared terrorism by the State Department and therefore may not trigger any cancellation coverage. However, if the event is determined to meet your policy’s definition of terrorism, you may be covered to cancel your trip if you meet the requirements for Terrorism coverage.
Most travel insurance policies include Terrorism coverage for both foreign and domestic terrorist attacks, though policies vary in their requirements for Terrorism coverage under the Trip Cancellation benefit.
Travel insurance policies generally require an event to be deemed an act of terrorism by the U.S. Department of State to trigger cancellation coverage due to terrorism. As of September 19, the NYC bombing has not been declared an act of terrorism, and therefore it may not meet your policy’s definition of terrorism. Travelers should contact their travel insurance provider to determine if this event triggers cancellation coverage under their policy.
Typically, to be covered to cancel due to a terrorist attack, your departure date must be within 7-30 days of the terrorist attack, and you must be visiting the city in which the attack occurred or a place within 50-100 miles of that city.
You also must have purchased your policy before September 17, 2016, in order to be eligible for coverage related to the New York bombing.
If your policy includes the Cancel For Any Reason upgrade and you are still eligible to cancel according to your policy’s guidelines, you may be covered to be reimbursed for up to 75% of your prepaid and non-refundable trip costs.
This information is time-sensitive and could change at any time. Please check back for updated FAQs and provider position statements. Information may vary based on the travel insurance policy. If you have questions about a specific policy, please contact us directly at 1-800-240-0369. Our customer service representatives are available 24/7.