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Does travel insurance cover acts of terrorism?

Does travel insurance cover acts of terrorism?

Most policies offer some level of emergency medical coverage, but won’t always cover other damages that result from acts of terrorism. Each policy is different, so it’s always a good idea to check what you’re covered for. 

Patrick Ikhena
From the Travel team
minute read
posted 29 JANUARY 2020

What’s typically not included in a travel insurance policy?

Most policies class events arising from terrorism among their exemptions. So even though you’d receive emergency treatment as standard, it’s unlikely you’d be covered for flights home with medical support – although it’s worth looking around.

If your travel plans are delayed due to an attack, it’s up to your airline or travel agent to get you home as soon as it’s safe and possible.

If you change your mind about making a trip on safety grounds, it’s unlikely you’ll be refunded – unless the Government advises against ‘all but essential travel’. If an official warning is issued, your travel provider should offer a refund.


On 6 August 2020, the Foreign and Commonwealth Office (FCO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.

If you choose to travel overseas to a destination where the FCO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.

For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.

For more information, please see our coronavirus and travel insurance page.

Can I increase my travel insurance cover?

If you’ve checked your travel insurance coverage and don’t feel it’s enough, talk to your insurance provider and see if you can extend it. Many insurance providers will be able to enhance the level of cover and number of features offered, but will charge you an increased premium to do so. 

How do I know which holiday destinations are at risk?

The Foreign and Commonwealth Office issues advice when they believe a country is unsafe to travel to. They’ll also offer advice on actions you can take in other countries that don’t carry quite such a severe risk, so that you’ feel prepared. 

Remember, the chances of terrorism affecting your trip are tiny, but that’s not a good reason to be unprepared. If you’re concerned, check your policy documentation and talk to your insurance provider.

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