The recent European travel alert has raised questions about travel insurance terrorism coverage. Travel Insurance Services recently posted a story addressing what steps travelers should take.
The advisory, a level below “warning” on the threat advisory system, stated “al-Qa’ida and affiliated organizations continue to plan terrorist attacks.” Although it did not advise against traveling to Europe altogether, it did suggest travelers stay on their guard, especially in and around travel hubs like subways and airports.
The instructions have left some asking what other measures should be taken?
The State Department recommends registering travel plans with the Consular Section of the U.S. Embassy through the State Department’s travel registration Web site. You can also get up-to-date information on security conditions by calling 1-888-407-4747 in the U.S. and Canada, or on a regular toll line at 1-202-501-4444 from elsewhere in the world.
Many travel insurance plans have terrorism coverage. A trip can be cancelled or interrupted if there is a terrorist attack in a city listed on the travel itinerary. In most cases, the attack must be within about a month from departure. Some policies will exclude coverage if there has been another attack in the months previous to buying a policy. Also, not all plans cover terrorist attacks foreign and domestic, so look closely at the policy language.
The European travel alert is not related to a specific attack. This means trip cancellation coverage would not apply. However, a trip could be cancelled with cancel for any reason coverage. Always refer to the certificate of insurance for details.