Terrorist acts, as well as general worry related to terrorism, can make you nervous about forthcoming travel. And it’s understandable that you’d turn to travel insurance for some peace of mind, whether you have a policy in place for planned trip or simply want to weigh all of your alternatives in these unpredictable times.
But this is one of those instances when a little math may put your mind at ease, giving you some much-needed perspective and a much-needed reality check.
To begin, keep in mind that the chance of a terrorist event differs from the likelihood of you being personally implicated in one. We’re not attempting to sugarcoat anything; regardless of the current geopolitical climate, your destination, or your own apprehension, this is a difficult issue to digest. With today’s constant news alerts and dangers that we learn about in real time, it’s tempting to believe that if a terrorist strike occurs, it will affect you. That, however, is not the case. In fact, it’s the polar opposite. Here are the numbers if you need extra reassurance: According to US State Department figures, 350 Americans died in terrorist attacks abroad between 2001 and 2013. While this is awful, your chances of experiencing such an event are 20 million to one, which is significantly less than being hit by lightning (one in 5.5 million). 1
If those figures don’t calm you down, or if you’re simply concerned about the possibility of terrorist attacks disrupting your trip plans, purchasing travel insurance that covers terrorism as a covered reason is an excellent approach to keep your choices open. Yes, travel insurance can cover a variety of terror-related scenarios, including one in which a terrorist incident occurs at your destination within 30 days of your planned arrival (Of course, you always want to consult your specific provider and plan details). We’ll go over the details, as well as some safety warnings and other useful information, to assist you understand this complex issue of travel and tourism.
Does travel insurance cover terrorism acts?
If a terrorist attack occurs at or near your vacation spot, it’s understandable that you’d want to return home. Furthermore, with the exception of emergency medical bills, the majority of ordinary travel insurance policies will not cover ANY claims that arise as a result of a terrorist event.
Does travel insurance cover riots?
By definition, travel necessitates a variety of decisions on the part of the passenger. When you decide to travel the world, you get to select where you go, how you get there, where you stay, what you do, what you eat, and much more. Seeing intriguing sights, seeing a new city, and sampling local cuisine are all part of the fun of travel, but they must be balanced against the risk of unexpected events. Any trip has some risk, and while the possibility of things going wrong is there in everyday life at home, travel can introduce some new concerns. Travel insurance can provide you additional peace of mind while you negotiate those dangers. It’s crucial to understand how different types of plans determine what counts as a covered event and what doesn’t, so you can choose the correct plan for you. Civil instability in the destination country is a danger that many travelers overlook when selecting a trip insurance coverage. We’ll go through how insurance companies perceive this risk so you can make an educated decision about which coverage to buy. Let’s start with the distinction between personal and insurance company obligation.
Personal Responsibility vs. Insurance Company Responsibility, Where is the Line?
The line between where the insurance company’s liability ends and personal responsibility begins is commonly misunderstood by travelers. Many consumers are unaware that most travel insurance policies do not cover injuries or losses that occur while the insured person is under the influence of alcohol or drugs. The industry phrase is “alcohol exclusion,” and it exists because excessive drinking is a well-known problem that a responsible traveler should avoid. Because policies are structured to clearly exclude this risk, the insurance company has no obligation to cover someone who isn’t taking reasonable precautions. In cases of political and civil instability around the world, travel insurance may not always apply as individuals might think. Let’s have a look at how insurance companies deal with these situations.
Is Civil Unrest a Covered Event with a Comprehensive Policy?
A widespread misunderstanding is that if you obtain comprehensive travel insurance, you can cancel a scheduled trip due to civic upheaval at your location and be reimbursed by the insurance company. Certainly not! Most comprehensive travel insurance policies feature an exclusion for trip cancellation due to civil upheaval prior to departure. The reason for the denial of trip cancellation coverage is due to a term used in the business “To put it another way, a “known risk” is something that a traveler should be aware of before purchasing a policy. Named tropical storms or a previously declared carrier attack are examples of other known threats. The question is whether the event was unexpected or anticipated when the coverage was obtained. So, who decides whether or not visiting a given country is a good idea? “well-known danger”? The Travel Advisory System of the United States Department of State is the most widely used source of information about travel dangers. Let’s look at it more closely.
U.S. State Department Travel Advisory System
The State Department of the United States provides Travel Advisories that detail if a country is suffering political or civil unrest, as well as other known dangers. These warnings also include explicit recommendations to avoid or reconsider travel to certain countries, as well as extensive information on why travel is a higher risk at the time the alert is issued. In the perspective of an insurance provider, opting to travel to a territory that is experiencing turmoil is a question of personal choice because it is regarded fair that the individual traveling will investigate the country or area that they are visiting. If you plan to travel to Sudan, for example, you are undoubtedly already aware that the country faces a high danger of civil instability. So, what should you do if the benefits of visiting a nation with higher risks outweigh the potential for negative consequences? You may still want the option to cancel your vacation if something prompts you to second-guess your decision before leaving. Some comprehensive policies provide a Cancel for Any Reason (CFAR) benefit that allows you to cancel your coverage at any time.
Cancel for Any Reason Coverage
If you plan to travel to a region of the world where civil instability is common, you should look into getting a travel insurance policy that includes Cancel for Any Reason coverage. When a plan includes CFAR, you can cancel your plans up to 48 hours before your intended departure and be reimbursed up to the plan’s restrictions. The majority of CFAR plans pay trip expenditures to the tune of 75%. Because you will have more flexibility to alter your mind about traveling, you will take more personal responsibility for your safety with CFAR.
How is Civil Unrest Different From Terrorism?
The distinction between civil unrest and terrorism is another issue that can be perplexing to travelers. Despite the fact that both sorts of events can be frightening and violent, insurance companies employ plan definitions to assess whether an incident is related to civil unrest or terrorism, and hence whether it is covered under the terms of the policy. It is critical to read the policy in order to properly comprehend these meanings.
In general, the insurance provider assesses each occurrence to see if it falls under the plan’s definition of terrorism or civil unrest. This determination is frequently based on whether the US government declares the event in issue to be a terrorist attack. Terrorism and “civil unrest or riot” must be distinguished clearly. The policy documents will specify how this will be defined. In addition, most insurance companies stipulate that the incident must not have been a declared or undeclared act of war.
What is not covered by travel insurance?
Baggage delay, damage, and loss plans do not cover all of your belongings. Glasses, hearing aids, dental bridges, tickets, passports, keys, cash, and cell phones are all common travel insurance exclusions. These things are sometimes covered, but only up to a particular cost limit, so if you have several expensive electronic items (such as a laptop, tablet, and mobile phone), you may not have enough coverage to cover the loss of all of them.
What type of insurance is provided by the terrorism insurance program?
Terrorism definition: There is currently no single, globally accepted definition of terrorism “the term “terrorism”
According to US law, 18 U.S. Code 2331, “Terrorism” (whether international or domestic) is defined as any act that is threatening to human life and is committed in violation of the law in order to intimidate or coerce a population, influence governmental policy, or impact a government’s actions. Similarly, “terrorism” is defined as “premeditated, politically motivated violence conducted against noncombatant targets by subnational groups or clandestine operatives” under 22 U.S. Code 2656f.
For the purposes of the Terrorism Risk Insurance Act of 2002 (TRIA), a certified act of terrorism is defined as
a violent act or an act that is dangerous to (I) human life, (II) property, or (III) infrastructure; (iii) to have resulted in damage within the United States, or outside the United States in the case of (I) an air carrier or vessel described in paragraph (5)(B); or (II) the premises of a United States mission; and (iv) to have been committed by an individual or individuals acting on behalf of any foreign person or foreign interest, as
Terrorism Risk Insurance Program Reauthorization Act of 2015 (TRIPRA) adopted the 2007 program reauthorization definition, which struck a chord with many people “domestic terrorism must be classified as “acting on behalf of any foreign person or foreign interest” in order to be classified as a certified act of terrorism.
Acts of war are not included in the TRIPRA definition of terrorism. Losses or damages caused by or arising out of war are not covered by personal or commercial insurance policies “Insurgencies and rebellions are examples of “warlike conduct.” Terrorism insurance does not cover war, which is typically regarded an uninsurable catastrophic risk (though some insurers do offer war insurance). Workers compensation is the only type of insurance that covers injury or death caused by a war.
Terrorism in the United States: Between 1970 and 2016, there were 1,922 successful acts of terrorism on American soil, according to the National Consortium for the Study of Terrorism and Responses to Terrorism (START).
2 The majority of the bombings took place in the 1970s, during a period of widespread politically motivated violence, notably bombings.
Terrorists hijacked commercial airplanes and flew them into the World Trade Center towers and the Pentagon on September 11, 2001, in the deadliest and most expensive terrorist strike in US history. In 2021 currency, insurance losses resulting from the 9/11 attacks were estimated to be around $50 billion, including business liability and group life insurance claims. 3 Reinsurers, companies that offer insurance for insurers, covered almost two-thirds of the losses. Business interruption accounted for 33% of damages, while property losses accounted for 30%, including the WTC towers.
Is travel insurance worth getting?
Though travel insurance may cost 5 to 10% of your trip cost, it is typically well worth the money because it can reimburse you for hundreds of thousands of dollars in covered travel-related charges such as emergency evacuation, medical bills, and trip cancellation and interruption costs.
Does travel insurance ever pay out?
Accidents, illness, delayed flights, canceled tours, lost baggage, theft, terrorism, travel-company bankruptcies, emergency evacuation, and getting your body home if you die are all financial dangers that come with traveling. Choosing whether or not to purchase travel insurance has always been a difficult decision, and the coronavirus pandemic has only added to the difficulty. Here are some things to think about when making your decision.
The amount of money you could lose depends on how much of your trip is paid for in advance, the refundability of your airline ticket, your health, the value of your luggage, where you’re going, the financial health of your tour company and airline, and what coverage you already have (via medical insurance, homeowners or renters insurance, and/or credit cards). It’s worth noting that most insurance policies will not cover you if you decide not to travel because you’re afraid of catching COVID-19.
Insurance is a fantastic value for some travelers, but not for others. How likely is it that you’ll need it? How brave are you when it comes to taking chances? How much is your mind’s tranquility worth to you? Take into account these factors, learn about your options, and make an informed decision about your vacation.
Insurance Basics
Trip cancellation and interruption, medical, evacuation, luggage, and flight insurance are the five main meals on the insurance menu. Additional policies, such as identity theft or political evacuation, can be introduced to address specific concerns. Generally, the various varieties are sold in some combination. Consider the relative value of each type of coverage to you as you examine your options. Is getting your money returned for a canceled vacation or missing luggage your primary concern? If you become ill while traveling, should you seek medical attention or seek evacuation? Is it possible that your current career or family circumstances will have an impact on your future plans?
All of the aforementioned are covered under “comprehensive insurance” (plus expenses incurred if your trip is delayed, if you miss your flight, or if your tour company changes your itinerary). Companies like Travelex and Travel Guard offer comprehensive packages that serve as your primary coverage, covering your expenses regardless of whether you have other insurance (for instance, if you have health insurance through your job). That is, they pay first and don’t inquire about your other coverage. If you want to avoid out-of-pocket payments, this can be a huge benefit.
The cost of insurance varies greatly, with most packages costing between 5% and 12% of the overall trip cost. One of the most important elements impacting the cost is age: rates rise considerably for every decade after 50, although coverage for minors is often affordable or even free (under 18).
It’s worth noting that certain travel insurance, particularly trip-cancellation coverage, is based only on reimbursement: You’ll pay for your charges out of pocket, then submit the documentation to your insurer to get reimbursed. (Insurers are unlikely to repay policy premiums if your vacation is canceled.) You may be able to arrange for pricey hospital or doctor expenses to be paid directly if you have medical coverage. In either case, if you have a problem, you should contact your insurance carrier right away to find out what you should do. Many big insurance providers are reachable by phone 24 hours a day, which is useful if you have issues when traveling in Europe.
Consider which categories may already be covered in some form or another. Many credit cards, for example, include travel benefits (some degree of flight insurance, car-rental coverage, and so on). Your homeowner’s or medical insurance may also accompany you. However, don’t assume you’re completely protected. Do your homework and be clear about the boundaries of your policies. (Your American automobile insurance, for example, is unlikely to cover you on European roads, and credit-card coverage isn’t always accepted by European rental firms.)
Travel agents strongly advise you to purchase travel insurance (since they are paid a commission when you do, and they can be held liable for your losses if they do not adequately explain insurance alternatives to you). While travel agents can offer you with information and assistance, they are not insurance agents; any specific questions should be sent to the insurance provider. State-by-state policy options differ, and not all insurance providers are licensed in every state. You don’t have a case if you need to file a claim and run into issues with a corporation that isn’t licensed in your state.
When you’re ready to phone a travel insurance company, make a list of any pertinent questions and have them handy. It’s also a good idea to know whether or not the policy is refundable and for how long.
If you’re insuring a tour or package trip, make sure the policy includes any pre- or post-tour reservations, as they may have different terms. Some reservations are non-refundable in full. If you need to cancel a reservation, check to see if it is covered by an insurance provider (flight, hotel, transportation, tours, etc.).
Types of Coverage
I’ve included some of the relevant legalese for each sort of insurance. However, keep in mind that these are merely suggestions. Even within the same company, policies can differ. Depending on whether you rent a car, book a hotel, or fly directly or through a travel agent, certain firms and policies offer different levels of coverage. Always check the tiny print to determine what’s covered (for example, how they define “travel partner” or “family member” your great-aunt might not qualify).
This is, in my opinion, the most useful and desirable type of insurance. Any planned travel is costly to cancel or interrupt, and for a little percentage of the trip cost, you may eliminate the chance of losing money if something unexpected occurs.
The adventurous, healthy, single, and gung-ho traveler is unlikely to purchase trip cancellation or interruption insurance. I’ve bypassed it numerous times, and my phone number has yet to appear. If it turns out that I need to cancel or interrupt, I’ll just have to swallow my pride and accept the financial consequences – I gambled and lost. However, if you’re paying a lot of money up front for an organized tour or short-term accommodation rental (both of which are expensive to cancel), if you or your travel companion have questionable health, or if you have a loved one at home who is in poor health, it’s probably a good idea to get this coverage.
When you cancel a prepaid excursion or airfare for a valid reason, such as:
- Because you, your travel companion, or a family member is unable to travel due to illness, death, or layoff,
- Your trip operator or airline goes out of business or is unable to fulfill its obligations.
- A member of the family falls ill at home (read the fine print to determine if a family member’s pre-existing condition may influence coverage).
- You miss a flight or require an emergency flight due to circumstances beyond your control (such as a car accident, inclement weather, or a strike)
So, if you or your travel companion breaks a leg a few days before your trip, you can both cancel without losing the money you paid for the trip (provided you both have this insurance). Alternatively, if you’re on a tour and have an accident on the first day, you’ll be compensated for the amount of the tour that you couldn’t use.
This form of insurance can be used whether you’re on a group trip or cruise, or if you’re traveling solo (in which case just your prepaid expenses are covered, such as your flight and any nonrefundable hotel reservations). Take note of the distinction: When you cancel your trip, you are saying that you are not going on it at all. When you start a vacation but have to cut it short, you’ll only be compensated for the portion of the trip that you didn’t finish. If you’re taking a tour, check to see if it includes cancellation insurance.
Certain airlines and travel companies are not covered by all insurers. Many are obvious for example, businesses in bankruptcy but others can be shocking (including major airlines). Check to see if your carrier is protected.
Purchase your insurance policy within a week of making your first trip payment. Policies purchased after a certain cutoff date usually 7 to 21 days, depending on the insurance company are less likely to cover tour company or airline bankruptcy, pre-existing medical issues (yours or those of family members back home), or terrorist attacks. In most cases, mental health issues are not covered.
Terrorist attacks and natural disasters are two major unknowns that jittery visitors are concerned about. For further information, contact your company. An attack by terrorists or a natural disaster in your community may or may not be insured. Only if your departure city or a place on your itinerary is the target of a terrorist act within 30 days of your travel will you likely be covered. Even so, your coverage may be voided if your trip operator proposes a replacement schedule. Natural calamities are only covered if your destination becomes uninhabitable (for example, your hotel is flooded or the airport is gone). In most cases, wars and disease outbreaks are not mentioned.
With the coronavirus epidemic turning travel upside down, it’s more vital than ever to understand what travel insurance covers – and what it doesn’t.
While most normal plans cover flight cancellations and travel delays due to unforeseen incidents, the majority of COVID-19-related difficulties are not covered, including:
- Fear of contracting COVID-19: Your insurance coverage will not cover you if you decide not to travel because you are afraid of contracting COVID-19.
- Stay-at-home orders are not covered by most travel insurance policies, which only cover cancellations made to fulfill required isolation.
- Additional COVID-19 outbreaks: Don’t expect your travel insurance to cover you if the area you’re planned to visit has new closures after you’ve booked your trip.
- If you travel somewhere that your government has judged risky, or if your country has banned international travel, your policy may be canceled.
By purchasing a pricey “cancel for any reason” policy, you may be able to escape the subject of what is and isn’t covered (described below).
Health emergencies are the most common reason for trip cancellations and interruptions, and they can result in large medical fees as well as additional hotel costs for travel companions.
Remember to check with your medical insurer before purchasing a separate medical insurance policy for your vacation; you may already be covered by your current health plan. Medicare does not cover you when you go outside of the United States, despite the fact that many US insurers do. Also, make sure you’re aware of any policy exclusions, such as the need for preauthorization.
Even if your health insurance covers you worldwide, you should think about purchasing a separate medical travel policy. Much of the extra coverage provided is supplemental (or “secondary”), which means it covers any charges not covered by your health plan, such as deductibles. However, you can acquire primary coverage, which will pay your expenses up to a specified limit. In emergency situations involving expensive procedures or overnight stays, the hospital will usually bill your travel insurance company directly (rather than your regular health insurance company; you’ll probably have to pay the hospital or clinic up front and then be reimbursed by your stateside insurer later). A visit to the doctor for normal treatment will almost certainly be an out-of-pocket payment (you’ll bring home documents to be reimbursed). Whatever the circumstances, it’s a good idea to contact your insurer while you’re on the road to inform them that you’ve sought medical assistance.
Depending on when you buy the policy and how recently you’ve been treated for the disease, many pre-existing conditions are covered by medical and trip-cancellation insurance. Multi-trip annual plans can save you money if you travel to Europe frequently. Before you make a decision, consult with your agent or insurer.
The US State Department issues travel warnings to at-risk countries on a regular basis. Unless you purchase extra coverage, your cancellation and medical insurance will likely not be honored if you visit one of these countries.
Purchasing travel medical insurance for travelers over the age of 70 might be costly. Compare the price of a standalone travel medical plan to the cost of comprehensive insurance, which includes medical and evacuation coverage. A travel insurance firm can assist you in determining your options. Some Medigap plans cover emergency care outside of the United States; check with the provider of your supplemental coverage for further information.
Theft is particularly concerning when you consider the monetary value of the stuff we bring with us. Laptops, tablets, cameras, cellphones, and e-readers all cost a lot of money to replace.
One method to safeguard your investment is to buy travel insurance from a specialized firm like Travel Guard, which offers a variety of choices, including theft coverage. Before purchasing a policy, inquire about how the value of stolen items is determined, as well as any maximum compensation restrictions for jewelry, gadgets, or cameras.
It’s also a good idea to contact your homeowners or renters insurance provider. Your personal property is usually already protected against theft anywhere in the globe under most policies, but your insurance deductible still applies. If your $1,000 deductible is met and your $700 tablet is taken, you will be responsible for replacing it. Adding a rider to your existing policy to cover pricey items while traveling may be a better option than purchasing separate insurance.
It’s a good idea to make a list of all the high-value objects you’ll be bringing before you travel. Make a note of your devices’ serial numbers, manufactures, and models, as well as images that can be used as records. This information is useful to both your insurance carrier and the police in the event that something is stolen. In order to file an insurance claim in Europe, you’ll need to obtain a police record. (Ask your hotelier for assistance.)
In the event of an emergency, evacuation insurance covers the expense of sending you to a location where you can obtain adequate medical treatment. (In the worst-case situation, a medically prepared and highly expensive private jet may be required.) Your standard medical insurance plan at home is unlikely to cover this. This coverage can sometimes bring you home after an accident, but it usually only gets you as far as the next big hospital so it’s worth buying if you’re planning a trip to a remote location. “Medical repatriation,” or getting you back home, is likely to be funded only if it’s deemed medically necessary. Before you buy a policy, be sure you understand exactly what is covered before and after you arrive at the hospital.
Keep in mind that if you’re doing anything your insurer considers unsafe, your medical and evacuation insurance may not cover you (such as skydiving, mountain climbing, bungee jumping, scuba diving, or even skiing). Some firms sell adventure-sports insurance as an add-on.
Most comprehensive policies include baggage insurance, which covers lost, delayed, or damaged luggage, but it’s rare to buy it separately, and reimbursement for items like jewelry, eyewear, electronics, and photography equipment is limited. If you check your bags for a flight, the airline will already cover it (ask your airline about its luggage liability limit; if you have particularly valuable luggage, you can buy supplemental “excess valuation” insurance directly from the airline). Your belongings are usually covered by your homes or renters insurance everywhere you go; baggage insurance covers the deductibles and goods not covered by your homeowners policy. Consult your agent to double-check the details. If your policy doesn’t cover pricey rail passes, try Rail Europe’s Rail Protection Plan, which must be acquired at the time of purchase and covers the pass’s loss and theft but not travel delays.
Heirs adore flight insurance (“crash coverage”) since it is a statistical rip-off. It’s essentially a life insurance policy that protects you while flying. It’s pointless to pay for this insurance because airline catastrophes are so uncommon.
Collision coverage, a crucial sort of rental car insurance, may be included in certain comprehensive travel insurance plans or offered as an upgrade on others.
Only “cancel for any reason” (CFAR) policies assure that you will be reimbursed if you have to cancel a trip due to a pandemic. A CFAR policy typically adds roughly 50% to the cost of a standard policy. Furthermore, CFAR coverage is subject to certain limitations – for example, you must purchase it no later than 21 days after purchasing your trip, and you must cancel your trip no later than 48 hours before departure to be refunded. You’ll also only get reimbursed for a portion of your pre-paid trip expense, often 50 to 75 percent. (Also, because some jurisdictions, such as New York, prohibit the sale of CFAR insurance, verify your state’s regulations before buying.)
Check your policy to determine if you’re qualified for a premium refund if you’re canceling a trip and want to cancel your coverage as well. Check with your travel insurance provider to see if you can move your policy to the new date if you plan to rebook your trip rather than cancel it (but know that you may have to pay more on the premium for your new date).
The epidemic has prompted significant changes in the travel insurance industry. Travel insurance is in high demand, and businesses are responding by adding new types of coverage so check the tiny print before you buy.
To sum it up…
When you travel, there will always be dangers. While insurance can help alleviate many of the costs associated with those risks, it cannot completely remove them. Do your research, ask questions, and consider how much peace of mind is worth to you when deciding whether or not travel insurance is good for you.
Which circumstance events incidents are not covered in travel insurance?
Travelers who have had claims denied become enraged because they believe they have been duped (see Five “Loopholes” and How to Avoid Them).
Understanding what is and is not covered can help you prevent frustration. The policy certificate contains this information, which you should study throughout your free look period.
Travel insurance does not cover cancellations for ‘everything’
Cancellation and interruption coverage is provided by travel insurance, however the reason for the cancellation matters because not everything is covered.
A list of covered causes for trip cancellation is included in most travel insurance policies. You will not be covered if your cause is not in the list.
Any cancellations due to medical reasons must be approved and documented by a physician. You can’t just cancel a trip because a family member is sick; you’ll need to take them to the doctor and have him or her make that decision.
Pre-existing conditions require special attention
A pre-existing condition is anything that occurred (or began to occur) before you were covered by insurance.
The travel insurance company will review your medical records if you seek a claim due to a medical issue. They’ll have to figure out when and whether this condition started. If they go back and see no evidence of the condition, it was not a well-known one. If they notice that you have been diagnosed with the disease, it will be considered a pre-existing illness, and coverage would be rejected.
Pre-existing condition waivers have been produced by travel insurance providers to give coverage in certain scenarios.
Travel insurance policies have a list of ‘exclusions’
Every travel insurance policy has a list of exclusions, or situations in which coverage is not given. This is a detailed list of reasons that should be carefully read to avoid misunderstandings.
- Expenses incurred as a result of a pre-existing medical condition (although you can purchase a waiver if you have a pre-existing condition and get coverage).
- Changing your mind or realizing you can’t afford to travel (although you can get ‘cancel for any reason’ insurance and cancel a vacation before it begins).
- Losses incurred as a result of winning tickets or tours as an award or redeeming frequent flier or credit card miles (although some plans will reimburse the re-deposit fee for frequent flyer programs)
- Medical tourism, often known as medical tourism, is a type of travel when the objective of the journey is to acquire medical care outside of your native country (although Seven Corners offers a medical procedure insurance for complications due to medical treatment received outside the borders).
- Bad weather (but if you get ‘cancel for any reason’ coverage, you can cancel your trip before it starts if you feel you won’t enjoy it because of the weather).
- Skydiving, scuba diving, bungee leaping, heli-skiing, and other high-risk activities (although some plans offer coverage for high-risk activities as an optional add-on).
- Losses resulting from declared or undeclared wars, military activities, civil unrest, and riots.
- Losses caused by venereal disease, the AIDS virus, pregnancy (excluding pregnancy complications), or abortion.
- Anxiety, sadness, neurosis, or psychosis are all examples of mental, psychological, or nervous diseases that cause losses.
- Losses resulting from the insured purposefully inflicting bodily injury, including suicide.
- Losses suffered by the insured while legally inebriated or under the influence of drugs.
Additional exclusions related to the plan can be found in the policy, certificate, or description of the plan.
What triggers terrorism coverage?
To qualify as a certified act of terrorism, the act must: (1) be violent or dangerous to human life, property, or infrastructure; (2) cause damage within the United States or another area of US sovereignty (e.g., an American embassy, plane, or ship); and (3) be committed as part of a coercive effort.
What does the Terrorism Risk Insurance Act cover?
Terrorism Risk Insurance Act (TRIA) established a temporary government program that establishes a transparent system of shared public and private compensation for certain insured losses caused by a certified act of terrorism.