An increased risk of terrorism, or fear that a terrorist attack will occur because of the recent bombing in New York, is not a covered reason to cancel your trip with a standard travel insurance policy.
Travel insurance does not provide coverage to cancel a trip because you are afraid a terrorist attack will occur while you are traveling.
However, if the New York City bombing is deemed a terrorist attack by the U.S Department of State or another branch of the U.S. government, you may be covered to cancel your trip if you are traveling to New York or a nearby city in the near future, as long as your policy was in place before the terrorist attack occurred.
Travelers who want to cancel due to fear of terrorism can only do so if their policy includes the Cancel For Any Reason upgrade. With this coverage, you can cancel your trip for a reason that is not otherwise covered by your policy, but you must cancel at least 2-3 days before your scheduled departure date. This benefit will only reimburse up to 75% of your total trip cost.
Cancel For Any Reason typically increases the policy’s premium by about 40%. You must purchase the policy within 14-30 days of your initial booking date, and you must insure 100% of your prepaid and non-refundable trip costs.
This information is time-sensitive and may vary by policy. If you have questions about a specific policy, please contact us directly at 1-800-240-0369. Our customer service representatives are available from 8am to 10pm ET, seven days a week, and are delighted to help.