What’s typically not included?
Most policies, even from leading insurers, list terrorism in the exclusions section of their small print. This means that claims related to terrorist events could well be rejected. Whilst you’d receive emergency treatment and be covered for that, you’d not be covered for any flights home with supporting doctors for example.
Terrorist incidents bring massive disruption as well as the risk of injury. If an attack closes an airport or even air space, travellers may be stuck at a destination for a matter of days or even longer.
Costs related to this are unlikely to be part of standard travel insurance coverage. In the event that you are delayed as a result of an attack, your airline or travel agent have a duty to get you home as soon as it’s possible and safe to do so.
If you change your mind about travelling, it’s unlikely that you’ll be covered for the cost of any flights or hotels you’ve booked. Say for example, there’s an attack abroad and you’re nervous about travelling, you’re unlikely to simply be able to claim a refund.
The exception to this is likely to be in the event that the Government advises against ‘all but essential travel.’ In this situation, your travel provider should offer you a refund.