What if I decide that I do not want to travel due to terrorist threats at my destination?

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Short Answer
Choosing not to travel, regardless of the reason, is not a covered reason under any travel insurance policy’s standard Trip Cancellation coverage. In order to be covered to cancel a trip due to terrorism, an official act of terrorism must meet your policy’s definition.

More Detail
While the threat of terrorism is generally not covered, most Trip Cancellation policies do include coverage for acts of terrorism. In order for a traveler to be covered to cancel their trip due to terrorism, a specific act must occur and must meet their policy’s definition of “terrorism” under the Trip Cancellation benefit. The attack must be declared an act of terrorism by the U.S. government or local government authorities.

Travel insurance is designed to reimburse travelers who are unable to travel for unforeseen reasons outside of their control. Deciding not to take a trip is not considered a covered reason under any Trip Cancellation policy.

If a traveler would like the option to be able to cancel their trip due to the threat of terrorism, we recommend purchasing a policy with the Cancel for Any Reason upgrade. In order to be eligible for Cancel for Any Reason, you must purchase your policy within 30 days of your first trip deposit date. Additionally, you must insure 100% of your trip cost, and cancel your trip at least 2-3 days before your departure. Cancel for Any Reason increases the premium by about 40-50% and provides up to 75% reimbursement of your trip cost.

This information is time sensitive and may change as events unfold. Please check back for updated FAQs and provider position statements about coverage for the events.

This information may vary based on the travel insurance 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!

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