This coverage provides reimbursement for your pre-paid travel expenses (up to the policy limit) in the event a terrorist event occurs at your U.S. or foreign destination, or a mandatory evacuation is ordered, within a certain number of days of your scheduled arrival. This is a listed covered reason under trip cancellation coverage and trip interruption coverage.
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What does Terrorism/Mandatory Evacuation cover?
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
Dan and Sylvia had planned a visit to relatives in Spain and tour the northern wine regions of Rioja, Galicia, and Catelonia. At the time they made their travel plans, there were no reports of terror attacks–all was quiet.
As their travel dates got closer, however, several terrorist attacks were carried out in Northern Spain, and they became worried. Their relatives were safe, but Dan and Sylvia didn’t feel comfortable with the risk, so they checked their travel insurance plan. Terrorism was included as a covered reason for pre-trip cancellations if the event occurred within 30 days of their scheduled trip departure. After thinking it through carefully, they decided to cancel their trip and try another year. Because the trip was still weeks away, they had time to make alternative travel arrangements to visit Puerto Rico with their refund.
This coverage is listed as a covered reason for trip cancellations and trip interruptions in some travel insurance plans.
Some plans allow terrorism and mandatory evacuations as covered reasons for missed connections and travel delays but not for trip cancellation and interruptions. Specifically, plans that treat terrorism and mandatory evacuations as a covered reason for missed connections and travel delays, but not for trip cancellations and interruptions.
While travel insurance package plans provide coverage for terrorism, some travel medical plans do as well. Travel medical plans may limit their coverage for terrorism to medical expenses only.
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.