Fear of traveling is not a covered reason to cancel your trip under a standard travel insurance policy.
You cannot cancel your trip due to the attack in Nice, France, unless you had a travel insurance policy, with Terrorism coverage, in place before July 14 and you meet your policy’s requirements.
Based on the typical requirements for Terrorism coverage, you must be scheduled to go on your trip within 7-30 days of a terrorist attack, and the city in which the attack occurred or a nearby city must be on your itinerary.
The Nice attack may not meet the definition of Terrorism on some policies. See the latest provider position statements about coverage for the Nice attack.
If you don’t meet these requirements, you can be covered to cancel your trip — for a partial refund — if you have a policy with the Cancel For Any Reason upgrade. This upgrade allows you to cancel your trip without providing a reason, which means you could cancel out of fear of traveling. However, if you cancel using this upgrade, you will only be reimbursed up to 75% of your trip cost, and you must cancel at least 2-3 days before your departure date.
Cancel For Any Reason is only available within 14-30 days of your initial deposit or booking for your trip. This upgrade significantly increases the cost of a policy, and it requires you to insure 100% of your prepaid, 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 800-240-0369. Our customer service representatives are available from 8am to 10pm ET, seven days a week, and are delighted to help.