When does Terrorism coverage begin?

“For a traveler to be covered, the U.S. Department of State must declare the attack an act of terrorism. The attack also has to have happened within 7-30 days of your departure and it must have happened within 50-100 miles of a city listed on your travel itinerary.”

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Does the Europe Travel Alert affect travel insurance coverage?

The travel alert in Europe doesn’t affect travel insurance coverage. A travel alert is not considered to be a covered reason to cancel a trip. If there is an attack that is deemed terrorism by the U.S. State Department, those with travel insurance can then be covered to cancel their trip.

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How much does it cost to add terrorism coverage?

Terrorism is not an additional cost. Travel insurance is sold as a package of benefits so travelers can’t add terrorism coverage but most policies do include it within standard Trip Cancellation. Look for a policy that has that terrorism coverage already built into the policy.

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When should travelers purchase travel insurance?

Travel insurance can be purchased up to the day before a traveler leaves for their trip but there are time sensitive benefits like Cancel For Any Reason coverage or Pre-Existing Condition coverage that need to be purchased within 14-30 days of the initial booking date, depending on the policy.

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Are there any exclusions that travelers should know about?

Pre-existing conditions are important to consider. If a traveler has a pre-existing condition that has changed during the policy’s look-back period, find out Pre-Existing Condition coverage eligibility. It’s available within the first 14-30 days of the first trip booking, depending on the policy.

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Can travelers cancel their trip because of a terrorist attack?

If travelers had an insurance policy before the terrorist attack happened, they can be covered to cancel or leave early from a trip. The attack must be deemed terrorism by the U.S. State Department and the attack must have happened at a destination listed on the traveler’s itinerary.

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