How Does Trip Cancellation Travel Insurance
Cover Terrorist Incidents?
Terrorism coverage means you can cancel or interrupt your trip if a Terrorist Incident happens within a certain number of days of your trip's scheduled departure date.
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, Travelex Select, Travelex Max, Travel Guard, Travel Insured and TravelSafe Vacation Classic
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 Covered Trip, provided the Terrorist Act occurs within 7 days of the Scheduled Departure Date for your Covered Trip. This same city must not have experienced a Terrorist Incident within the 60-day period prior to the Insured's Effective Date under this Policy. Benefits are not provided if the Travel Supplier offers a substitute itinerary;
"Terrorist Incident" means an incident deemed a terrorist act by the United States Government that causes property damage and loss of life.
"a Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary;"
"Terrorist Incident:" means an incident deemed a terrorist act by the United States Government that causes property damage or Loss of life.
TRIP CANCELLATION & TRIP INTERRUPTION
"A Terrorist Incident that occurs in a city listed on Your Covered Trip itinerary and within thirty (30) days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of 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. This benefit only applies if the plan has been purchased within twenty-one (21) days of Your initial payment for the Covered Trip and for the full cost of the Covered Trip.;"
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.
"Terrorist Incident:" means an incident deemed a terrorist act by the United States Government that causes property damage or Loss of life.
TRIP CANCELLATION & TRIP INTERRUPTION
"A Terrorist Incident that occurs in a city listed on Your Covered Trip itinerary and within thirty (30) days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of 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. This benefit only applies if the plan has been purchased within twenty-one (21) days of Your initial payment for the Covered Trip and for the full cost of the Covered Trip.;"
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.
"Terrorist Incident" means an act of violence, 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 damageto 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 Incident in a City listed on the Insured's itinerary within 30 days of the Insured's scheduled arrival; "City" means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace."
"Terrorist Attack" means an incident deemed an act of terrorism by the U.S. government.
"If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of the City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage."
"Terrorist Incident" means an incident deemed a terrorist act by the United States Government that causes property damage and loss of life.
"a Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary;"
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