Travel Insurance on Terrorism

Read your travel insurance policy wording carefully. If a war breaks out, or there is a terrorist act occurring during your trip, are there clauses that essentially void your policy? Very few policies cover trip cancellation for reasons of any kind. Most policies now include “force majeure” clauses.  Also many policies only cover you for your trip if an act of terrorism occurs in the specific country you’re travelling to or from. And they set limits on how close an attack has to be to your destination before it goes into effect. But almost all policies will not cover any losses caused by war or threat of war.

Call and talk to the agency personally, ask them the specific questions you have before your trip, to put your mind at ease. Some travel insurance plans cover you only if a travel company formally files for bankruptcy protection. (Not every policy covers every bankruptcy.) Other policies leave it up to government, law enforcement agencies or news media outlets – not you – to define what constitutes a terrorist attack, foreign or domestic.

Understand that most travel insurance policies won’t cover last-minute anxiety. After the Sept. 11 attacks, for example, Travel Guard reimbursed customers who cancelled trips because they were afraid to fly. While Travel Guard felt it was the right thing to do, it’s unlikely the insurer will do it again. It was the costliest event in the history of the company.

 

 

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