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. 

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. 

Josh Daniels
From the Travel team
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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.


The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

Please note: from 4am on 4 October 2021, the current traffic light system will be replaced by a single red list of countries.

Currently, if your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

Find out more here

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

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.

Why not compare travel insurance premiums today? Tell us a bit about you and where you plan to travel and we’ll do all the leg work for you. Just see how much you could save!

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