Many travelers worry about acts of terrorism when traveling abroad. This is a valid concern because thousands of terrorist attacks are taking place worldwide. While most terrorist attacks occur in Middle Eastern countries, there have been major terrorist attacks in prominent European cities bustling with tourists, such as Barcelona and Paris. Terrorist attacks have also been committed in Asian countries that are frequently visited by tourists, such as Thailand and the Philippines.
When traveling to different countries, it always pays to take out comprehensive travel insurance. When choosing a travel insurance policy, make sure they offer enhanced coverage to provide travel interruptions as part of the standard policy. This provides coverage for acts of terrorism. Having this cover as part of your travel insurance certainly gives you the peace of mind that you are protected against any unwanted risks. Trip interruption or force majeure insurance provides cover during the following circumstances:
- When war or warlike events delay the journey for more than 24 hours.
- When a natural disaster or major climatic conditions cause delays. Examples of a natural disaster are earthquakes and volcanic eruptions. Major climatic conditions include typhoons and hurricanes.
- If the return journey is delayed by more than 24 hours, the policy will usually cover food and accommodation costs.
- If a civil war suddenly breaks out in the country where you are, causing a delay in your return flight home, you can recover the costs incurred from your travel insurance.
- If you get stuck abroad because the airport or another alternative way to leave the country is closed, you may be able to claim travel expenses incurred while waiting for a return flight.
- If you are unable to travel or if you have to interrupt your trip due to a recommendation from the FCO or the US State Department or due to a terrorist attack, your travel insurance will reimburse the costs incurred.
Make sure your comprehensive travel insurance policy includes terrorism cover. Most insurance companies offer this as part of their package.
These are the eligibility conditions for terrorism cover:
- The situation must be identified as an act of terrorism by the US State Department, the local government where the attack occurred, or the FCO.
- The terrorist act must take place in the city or near the city specified in the traveller’s itinerary.
- The act of terrorism must have occurred within 7 to 30 days of a traveler’s planned arrival.
Which travel insurance covers terrorism
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