Spinnaker Insurance Company Position Statement – War between Israel and Gaza- based Hamas

October 9, 2023

On October 7 (Israel time), the Hamas organization launched an attack on the state of  Israel. Spinnaker Insurance Company is considering this initial attack to be a terrorist incident. It is now a known event, so any travel protection plans purchased after that date would not afford coverage for any losses related to the attack and subsequent events.

Spinnaker Insurance Company travel insurance plans that include Trip Cancellation or Trip Interruption benefits generally cover terrorist incidents that occur within 50 miles of the destination, and within 30 days of departure.

Travelers with a scheduled departure date for travel to Israel within 30 days of October 7 (November 6, 2023), and who have a valid Spinnaker Insurance Company travel insurance plan purchased before October 7, 2023 may file a claim for Trip Cancellation (if that coverage was selected in the plan).

Travelers who were in Israel at the time of the attack may file a claim for Trip Interruption if that coverage was selected in the plan. There may be other benefits which could apply to travelers in Israel at the time of the attack, including but not limited to: Travel Medical Expense; Emergency Medical Evacuation; Baggage Loss; Trip Delay; Security Evacuation; or, Accidental Death and Dismemberment. The coverages which could apply depend upon the plan and benefits selected.

Effective October 8, 2023, a state of war has existed between the state of Israel and the Hamas organization based in Gaza. The travel insurance plan does not cover any losses due to “war (whether declared or not) or act of war.”

Effective October 9, 2023, Spinnaker Insurance Company will no longer issue travel insurance plans for travel to Israel or Lebanon.

Any travelers who purchased Spinnaker Insurance Company travel protection plans for future travel to Israel or Lebanon, and who have not filed a claim related to this situation, should contact battleface Insurance Services for a refund of the plan cost.

This notification is not a guarantee of coverage. The policy will contain reductions, limitations, exclusion and termination provisions. Full details of the coverage are contained in the policy. Please read the policy carefully to fully understand the coverages, terms conditions, limits and exclusions. If there are any conflicts or discrepancies between this document and the policy or if any point is notcovered in this document, the terms and conditions of the policy shall govern. Not all plans or