No, standard travel insurance will not cover you to cancel your trip because of the shooting in Munich unless it is declared an act of terrorism.
The shooting in Munich does not meet the travel insurance definition of terrorism. The event must be declared an act of terrorism by the U.S. Department of state to trigger Terrorism coverage on most travel insurance policies.
If you have a policy with the Cancel For Any Reason upgrade, you can cancel your trip up to 2-3 days before your departure date without providing a reason for your cancellation. However, you will only be reimbursed up to 75% of your trip cost.
This information is time sensitive and may vary by policy. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available 24/7 and are delighted to help.