Does Travel Insurance Cover Terrorism? Yes and No | Allianz Global Assistance

acts of terrorism and even general anxiety related to terrorism can be enough to make you nervous for an upcoming trip. And it makes sense for you to turn to travel insurance for a bit of peace of mind, whether you have a current policy for planned trips or just want to consider all of your options in what can be uncertain times.

But this is also one of those times where doing a little math can help put you at ease, giving you some much-needed perspective and a well-timed reality check.

Reading: What travel insurance covers terrorism

First, remember to separate the probability of an act of terrorism from the probability that you are directly involved in the incident. Look, we’re not trying to split hairs or sugarcoat anything; this is a difficult subject to digest regardless of the current geopolitical environment, your fate, or your own apprehension. Between today’s nonstop news alerts and the threats we hear about in real time, it’s easy to think that if there’s a terrorist attack, it’s going to shock you. but that is simply not the case. far from it, in fact. if you need a little more comfort, here are the numbers: according to u.s. state department statistics, 350 u.s. citizens lost their lives in terrorist incidents abroad between 2001 and 2013. while this is deeply tragic, this also puts your odds of suffering such an outcome at 20 million to 1, which is much less than being struck by lightning (one in 5.5 million).1

If those numbers don’t reassure you, or you’re just stressed about the possibility of acts of terrorism wreaking havoc on your travel logistics, a good way to keep your travel options open is to purchase travel insurance that includes terrorism as a covered cause. yes, travel insurance can provide benefits for many scenarios involving terrorist acts, including the scenario where a terrorist attack occurs at your destination within 30 days of your scheduled arrival (of course you always want to check with your specific provider and plan details). We’ll delve into the details, as well as provide some safety precautions and other useful information to help you understand this difficult topic of travel and tourism.

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avoid terrorism when traveling

“The first and best protection is to avoid traveling to areas where there has been a persistent history of terrorist attacks or kidnappings,” the US government said. uu. adviser to the state department. If you’re unsure about the safety of your destination, check the state department’s website to see if any travel warnings or advisories have been issued.

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Terrorist acts, by their very nature, are unpredictable. But there are ways to reduce the risk of being directly or indirectly targeted by terrorists, the state department says. for the most part, these are common sense precautions. here are some examples:

  • When flying abroad, book direct flights whenever possible, limit layovers at high-risk airports, and avoid crowded areas.
  • always try to travel with other people, randomly select your own taxis when needed (instead of having someone call or order one for you), keep a well-charged cell phone handy, and always keep the windows of your vehicle closed .
  • avoid opening the door of your hotel room to strangers and never handle or accept unexpected packages.
  • report any suspicious activity to authorities, using your best judgment.2
  • Does travel insurance cover trip cancellation due to a terrorist incident?

    yes, travel insurance can cover trip cancellation due to a terrorist incident. but it all depends on the moment. Specifically, Allianz Global Assistance travel insurance considers domestic and international terrorism as a covered reason for trip cancellation if a terrorist event occurs in your US city. uu. or overseas destination within 30 days of the day you are scheduled to arrive under the onetrip prime plan. however, you are not covered if there has been a terrorist event in your international destination generally within 30 days prior to your plan effective date. So how does terrorism insurance work?

    let’s see some examples:


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