In order to be covered to cancel a trip due to terrorism, a terrorist attack must occur and meet your policy’s definition of “terrorism”.
While the threat of terrorism is not covered, many 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. Generally, an attack must be declared terrorism by the U.S. Department of State to meet this definition.
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 out of fear of a possible terrorist attack 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 14-30 days of your first trip deposit date. Additionally, you must insure 100% of your trip cost. You must cancel your trip at least 2-3 days before your departure, and you will only be reimbursed up to 75% of your trip cost. Cancel for Any Reason can increase the premium by about 40%.
This information is time sensitive and 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, 365 days a year, and are delighted to help.