Terrorism Travel Insurance Coverage

What is Terrorism Travel Insurance?

Terrorism coverage is a specific travel insurance benefit designed to provide peace of mind and financial protection if your trip is disrupted by a terrorist attack.

This coverage is typically included within a travel insurance policy’s Trip Cancellation and Trip Interruption benefits. In the event an act of terrorism takes place at your destination before or during your trip, you may be eligible for reimbursement of your prepaid, non-refundable travel expenses.

While the Terrorism travel insurance benefit is designed to cover cancellations, other common benefits such as Non-Medical Evacuation, Emergency Medical, and 24 Hour Assistance Services can also offer support after an act of terrorism occurs.

Coverage limits, exclusions, and eligibility requirements for the Terrorism benefit differ by policy.

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FAQs: Terrorism Travel Insurance

Does Travel Insurance Cover Terrorism?

Yes, many comprehensive travel insurance policies include Terrorism coverage to financially protect policyholders impacted by an unforeseen terrorist attack.

Terrorism insurance covers your prepaid, non-refundable trip costs if an act of terrorism forces you to cancel or interrupt your trip. Examples of expenses that can be covered by the Terrorism travel insurance benefit can include airfare, cruise bookings, hotel reservations, excursions, event tickets, and tours.

In order to be eligible for coverage, the following conditions typically must be met:

• The attack must occur in or near a city listed on your itinerary
• The attack must occur within 7-30 days of your scheduled departure date
• There have been no other terrorist incidents in the same city within a specified period of time prior to your departure date, usually 90 days

How is a Terrorist Attack Defined by Travel Insurance Companies?

Travel insurance companies typically have their own unique definition for a terrorist attack. Knowing how your travel insurance provider defines this term can help when determining coverage eligibility and filing a claim.

While definitions can vary, most insurance companies will require an event to be a certified act of terrorism by the U.S. Department of State, Secretary of the Treasury, or the federal government where the attack occurred. Some providers won’t consider an event an act of terrorism unless there is loss of life or major property damage.

In addition, many plans require the act of terrorism to be documented in a travel advisory issued by the Department of State advising Americans to avoid that certain country.

To view the exact definition wording for a specific policy, and view terrorism exclusions, you can reference its Certificate of Insurance at any time.

How Do I Find a Travel Insurance Policy With Terrorism Coverage?

If you’re heading to a foreign country, purchasing a travel insurance policy with the Terrorism benefit can protect your trip costs in the event an act of terrorism disrupts your travel plans. While terrorist attacks are a relatively rare travel disruption, it’s always recommended to prepare yourself for the unexpected.

To find a policy that offers terrorism coverage, you can reference the list below that features all plans on Squaremouth that offer this benefit. Another option is to select the “Terrorism” filter underneath the “Cancellation” drop down when comparing travel insurance quotes on Squaremouth.

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Please be aware that coverage and eligibility requirements for this benefit differ by policy.

Looking for a policy with Terrorism coverage?

Enter your trip information on our custom quote form. Once you receive your results, select the Terrorism filter to find the best policy for your trip with the coverage that you need.