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Does travel insurance cover terrorism?

Does travel insurance cover terrorism?

Travel insurance is designed to protect you when the unexpected happens. Sometimes, travel plans are derailed by things like bad weather or scheduling conflicts. Unfortunately, occasionally the event that causes you to cancel your trip is more nefarious—an act of terrorism.

Even if you’ve followed the United States government travel warning regarding the safety of your specific destination, sometimes terrorist incidents happen when and where we least expect them.

Here’s everything you need to know about what travel insurance will cover if your travel plans are interrupted due to a terrorist attack.

 

What is considered an act of terrorism?

battleface defines an act of terrorism as an act of violence that is deemed terrorism by the US Department of State, or that is committed by any person acting on behalf of, or in connection with, any organization which is classified as a Foreign Terrorist Organization by the State Department.

An act of war (whether declared or undeclared), civil disorders, and riots are not considered terrorist incidents.

Keep in mind, most travel insurance plans also exclude certain destinations from coverage. For example, battleface doesn’t offer travel insurance for trips to Afghanistan, Burundi, Central African Republic, Chad, Cuba, Iran, Iraq, Libya, Niger, North Korea, Mauritania, Somalia, Republic of South Sudan, Sudan, Syria, Venezuela, and Yemen (as of September 2021. Excluded countries are subject to change).

 

How does travel insurance protect me when a terrorist attack occurs?

Travel insurance does cover acts of terrorism and can provide peace of mind if a terrorist attack happens either before our during your trip. Here are some examples:

  • You’re leaving on an international trip within 30 days. During that time, a politically motivated terrorist incident happens within a 50-mile radius of the city on your itinerary and the United States government issues a travel advisory indicating that Americans shouldn’t travel to that destination.

Your travel insurance will reimburse you for trip cancellation, up to the amount of trip cost you insured.

  • You’re mid-vacation when a terrorist attack happens in a city on your itinerary, whether you’re already in town or on your way. Optional trip interruption coverage will reimburse you for the unused, non-refundable portion of your trip cost, plus the expense (such as additional airfare) to return home, often up to 150% of your original trip cost. Optional trip delay coverage can reimburse you for extra hotel nights, on-the-go meals, and transportation charges.
  • In a worst case scenario, you’re the victim of an act of terrorism. A travel insurance plan allows you to purchase a travel medical package, which pays for unexpected medical expenses while you’re abroad. If you’re a victim of a terrorist attack while you’re outside of the United States, your American-based health insurance coverage may not cover you, and costs can add up quickly. For just a small deductible, your travel insurance company can provide medical coverage (a deductible may apply), plus emergency evacuation coverage and even repatriation of remains.
  • You’re in a destination when an act of terrorism takes place and you need immediate assistance booking a departure flight. Or, you simply want to alert friends and family that you are okay on the ground. This is where global assistance comes in, where you have access to a 24/7 hotline to help make any necessary arrangements.

 

What if I’m just worried about a terrorist act?

Unfortunately, most travel insurance policies won’t cover you if you decide to cancel a trip because of concern over a potential attack. Remember, travel insurance policies require a declaration from the US Department of State to qualify for terrorism coverage.

However, you can always opt in to Cancel for Any Reason coverage, which, as the name indicates, allows you to cancel an upcoming trip for any reason, up to a set percentage of your forfeited, non-refundable payments or deposits (like hotel reservations you’ve already paid for or non-refundable flights.

 

Should I buy travel insurance that covers terrorism?

You may want to consider coverage for terrorism if you plan to travel to a country or region that has experienced terrorist attacks in the past. Of course, some foreign destinations are more dangerous than others. However, the nature of terrorist attacks is that they’re unexpected, so it’s always best to be prepared, regardless of your destination. The good news is that most travel insurance policies, including those from battleface, include terrorism coverage with their standard policies, no additional costs required.

Plus, if you’ve opted into baggage coverage, rental vehicle coverage, or even pet coverage, you’ll be well protected if a terrorist attack wreaks havoc on your vacation plans.

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battleface travel insurance

CHECK RATES

PRE-EXISTING MEDICAL CONDITION

Pre-Existing Medical Condition means an illness, disease, or other condition during the 180 day period immediately prior to the date Your coverage is effective :
  1. received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or
  2. took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180 day period before coverage is effective under this policy.
  3. required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:
    1. between a brand name and a generic medication with comparable dosage; or
    2. an adjustment to insulin or anti-coagulant dosage.
If you, or someone you are traveling with, has a Pre-Existing Medical Condition, you can still buy a policy from us but there is no cover for any claim arising directly or indirectly from that condition.

PRE-EXISTING MEDICAL CONDITION

Any Medical Condition that, within the last 12 months, required any:

  • surgery, inpatient or outpatient treatment, referrals or investigations of any sort. This includes being on any waiting list, taking any prescription medication, tablets or required medical treatment (This will not apply to common colds, flu or contraceptive medication);
  • medical advice or treatment for any respiratory condition relating to the lungs or breathing;
  • medical advice or treatment for any heart, stroke or diabetic condition;

Hypertension or high cholesterol controlled by 1 prescription drug only and where the dosage has not been changed within the last 12 months will not be considered a pre-existing medical condition

Coverages Available:

*not all coverages are available in all states
Travel Protection Benefits Limits
Trip Cancellation 100% of trip cost (up to a maximum of $20,000)
Single Occupancy Up to trip cost
Cancel for Any Reason Up to 75% of trip cost Up to 50% of trip costs in FL(CFAR not available to NY residents)
Trip Interruption 150% of trip cost
Delay Package
Trip Delay
Maximum $200 per day up to $2,500
Missed Connection Maximum of $1,000 per covered trip
Baggage Package – Excess
Baggage and Personal Effects $2,500 $100 Deductible
Baggage Delay $100 per day up to a maximum of $500
Travel Medical Package – Excess AK, CO, ID, ND, NH – Primary
Travel Medical Expense – Adventure sports included $100,000 $50,000 in NH $50 Deductible
Emergency Dental $750
Emergency Evacuation and Repatriation of Remains Up to $500,000
Up to $1,000,000 in NH
Accidental Death & Dismemberment $100,000 or $250,000 or $500,000
Pet Medical Package
Pet Medical Expense Up to $2,000 $100 Deductible
Pet Return Up to $500
Rental Vehicle Damage – Primary Up to $35,000 per rented vehicle- Primary $250 Deductible for loss greater than $2,000
Vacation Rental Damage $1,500 or $3,000 or $5,000

How many trips are you looking to insure?

A single trip

Customizable coverage for a single trip

Multiple trips

Annual coverage plan for frequent travelers

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation and Curtailment 5,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250 or 50)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 250,000
Baggage Loss or Delay up to 5,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250 or 50)
Personal Liability 500,000
Travel Delay 500
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)
Important notes:
  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section F of the policy
  • Travellers up to the age of 79 can purchase this product. Cover for illness is not available for those aged 75 years or over

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Trip Interruption 2,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 5,000
Baggage Loss or Delay up to 2,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250) *** Limited to 250 in respect of cash
Personal Liability 500,000
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)
Personal Accident up to 250,000
Baggage up to 10,000
Important notes:
  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section G of the policy
  • Travellers up to the age of 79 can purchase this product. Cover for illness is not available for those aged 75 years or over

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation up to $20,000
Trip Interruption $1,000
Medical and Emergency Expenses $5,000,000 (deductible $250)
Hospital Benefit $25 per day, maximum $100
Personal Accident up to $50,000
Baggage $2,000 (deductible $250)
Personal Money and Passport, limited to $250 in respect of cash $500 (deductible $250)
Personal Liability $500,000
Optional Benefits Limits
Business Extension up to $1,000 (deductible $100)
Winter Sports (Ski Equipment) up to $750 (deductible $50 or $100)
Important notes:
  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section G of the policy
  • Travellers up to the age of 79 can purchase this product. Cover for illness and Winter Sports is not available for those aged 75 years or over
  • Medical and Emergency Expenses are limited to $50,000 within Canada if you are not covered by government health insurance plan (GHIP) at the time of your claim

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation and Curtailment 5,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250 or 50)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 250,000
Baggage Loss or Delay up to 5,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250 or 50)
Personal Liability 500,000
Travel Delay 500
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)
Important notes:
  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section F of the policy
  • Travellers up to the age of 79 can purchase this product. Cover for illness is not available for those aged 75 years or over

How many trips are you looking to insure?

A single trip

Purchase your individual policy by adding business extension

Multiple trips

Customisable annual policy for groups with employees who are frequent travellers