Travel insurance plans with trip cancellation coverage will reimburse unused and non-refundable costs if the trip is cancelled for a covered reason. Some policies include a terrorist attack as a covered reason. It is important to distinguish this from a travel alert or travel warning. In many cases, a travel warning will be issued after an attack has happened, but it is the attack, not the warning, that is eligible for coverage. Seven Corners blogged about travel warnings and provided advice for travelers who are concerned about their vacation plans.
A travel warning has been issued for a country you are traveling to, so you may be asking yourself, ‘what does that mean for me?’ At Seven Corners Assist, we evaluate the Travel Warnings issued by the United States Department of State (USDOS) on a case by case basis. While you are ultimately responsible for your own travel decisions, we are always ready to assist you in making the most appropriate decisions when it comes to your safety and well-being.
- We can help you evaluate the Travel Warning. The USDOS advising Americans to not travel to a certain country is different than a Travel Warning that goes further and states that all USDOS staff within that country is immediately leaving. We will provide our best expertise in evaluating the Travel Warning with you.
- It’s always a good idea to register with the USDOS prior to your trip overseas. If you are already in country and decide to register with the US Embassy, Seven Corners Assist can help you locate the appropriate websites to do so. Their website: https://travelregistration.state.gov/ibrs/ui/
- Stay in touch with local media. This is one of the best ways to keep abreast of the real-time situation in your destination country.
- Keep in touch with family back home. Agree on a schedule of contact with your family and provide them with as much travel and contact information as you can. At the end of the day, they are the ones most vested in your well-being.
- And of course, keep in contact with us at Seven Corners. Your travel plans are your ultimate decision, but we are here to assist you as best we can.
Do not buy a policy after a warning has been issued or after an attack has happened, thinking this will be covered. Most policies will only cover terrorism if there has been no terrorist activity in the past several months. As a general rule, foreseeable events are not covered by travel insurance. Always refer to the certificate of insurance for details.