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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. 

Patrick Ikhena
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

Starting on 5 November, the Government has introduced a national lockdown for England that will last until at least 2 December. As part of this, the Foreign, Commonwealth and Development Office (FCDO) advise against all non-essential domestic and international travel.

If you choose to travel overseas to a destination while the FCDO has advised against non-essential travel, or domestically against the instructions of the UK Government, then your insurance policy will be invalid, and any claim will be rejected.

For those living in the UK but outside of England, the public health rules may differ, but you must abide by the restrictions imposed by your local authority.

We’ll continually review the situation, and update you with the latest FCDO or Government guidance on travel.

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

Until then, stay safe.

Customers with more serious pre-existing medical conditions

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

The Money and Pension Service (MaPs) has also 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 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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