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How Does Trip Cancellation Travel Insurance
Cover Terrorist Incidents?

Terrorism coverage means you can cancel or interrupt your trip if a Terrorist Incident happens in a city listed on your intinerary within a certain number of days of your trip’s scheduled departure date.

I also wrote “Travel Insurance and Terrorism” on Nov. 19, 2015

Terrorism coverage does not include a government mandate (ie – all planes are grounded). One of travel insurance’s exclusions says “Any government regulation or prohibition”.

Important: The wording below is the actual wording from each of the providers’ own Certificates of Coverage. We don’t have a hidden agenda to steer you to one company over another.

You will find a brief summary of the Terrorism benefits below. Please refer to the applicable policy’s Certificate of Coverage or Evidence of Benefits for the complete policy wording. Here are the links to our detailed description pages where you can find the complete policy wording: CSA, Global Alert, HTH Trip Protector, Travelex Select, Travelex Max, Travel Guard, Travel Insured and TravelSafe

CSA Freestyle Plans

Definition: “TERRORIST ACT means an act of violence, other than civil disorder or riot, (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.”

Covered Event: “A Terrorist Act which occurs in your Scheduled Trip Departure City or in a city to which you are scheduled to travel while on your Trip, and which occurs within 30 days of your Scheduled Departure Date, provided the city has not experienced a Terrorist Act in the past 30 days prior to the effective date of your coverage”


Global Alert

Terrorist Attack” means an incident deemed an act of terrorism by the U.S. Department of State.

“If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within a 50 mile radius of the territorial City limits of the City to be visited as shown in Your itinerary and the United States government issues a travel advisory indicating that Americans should not travel to a City named on the itinerary.”


HTH

Terrorist Incident” means an incident deemed a terrorist act by the United States Government that causes property damage and or loss of life.

“a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. The Terrorist Incident must occur after the Effective Date of Your Trip Cancellation Coverage.”


Travelex Travel Select Plan:

“Terrorist Act” means an act of violence, other than civil disorder or riot, (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting alone or on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.

TRIP CANCELLATION & TRIP INTERRUPTION
“A Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Covered Trip provided the Terrorist Act occurs within 30 days of the Scheduled Departure Date for your Covered Trip or during your Covered Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than twenty-four (24) months beyond Your Effective Date.”

A Terrorist Incident does not include general civil disturbance, rioting, an act of war (declared or undeclared) or the intentional release of a biological material.


Travelex Travel Max Plan:

“Terrorist Act” means an act of violence, other than civil disorder or riot, (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting alone or on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.

TRIP CANCELLATION & TRIP INTERRUPTION
“A Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Covered Trip provided the Terrorist Act occurs within 30 days of the Scheduled Departure Date for your Covered Trip or during your Covered Trip;. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than twenty-four (24) months beyond Your Effective Date.;”

A Terrorist Incident does not include general civil disturbance, rioting, an act of war (declared or undeclared) or the intentional release of a biological material.


Travel Guard

“Terrorist Incident”
means an act of violence by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government, that is deemed terrorism by the United States Government other than civil disorder or riot, that is not an act of war, declared or undeclared, that results in Loss of life or major damage to property.

“A Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival;”


Travel Insured

“Terrorist Attack” means an incident deemed an act of terrorism by the U.S. government.

“A Terrorist Incident that occurs in a city listed on the itinerary of Your Covered Trip and within 30 days prior to Your Scheduled Departure Date. The Terrorist Incident must occur after the Effective Date of Your Trip Cancellation Coverage.”


TravelSafe

Terrorist Act means an act of violence, other than civil disorder or riot, (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.”

“a Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Trip provided the Terrorist Act occurs within 30 days of the Scheduled Departure Date for your Trip;”


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