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
2
minute read
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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.

CORONAVIRUS UPDATE 

International travel is not currently permitted before 17 May 2021 at the earliest (date subject to further confirmation from the government). For single trip and long-stay trips, you won’t be able to get a travel insurance quote if you’re travelling before this date. 

You’re still able to purchase annual multi-trip policies. But if you choose to travel against the Foreign, Commonwealth & Development Office (FCDO) advice and current restrictions, you won’t be covered for your trip. 

While the majority of travel insurance providers don’t offer cover if you’re travelling for essential purposes before 17 May 2021, some are now able to offer cover. If you have any queries, you should check the policy wording or contact your chosen provider before you buy. 

Different rules may apply in England, Scotland, Wales and Northern Ireland and it’s important that you follow all the rules that apply to you. 

For travel advice on your destination, check the FCDO for the latest information. 

Find out more here

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pensions Service (MaPs) has launched a directory of insurance providers on its Money Advice Service website that may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

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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