terrorism is a reality As unfortunate as it is, terrorism has become a reality of the world we live in. And because such acts are unpredictable and potentially devastating, there's little we can do to plan for it - other than getting insured against it. For an event to be categorized as terrorism, the US government must recognize it as such. Additionally, a clear distinction is made between terrorism and a civil disorder or riot. Although various travel insurances companies have nuanced definitions of what terrorism entails, most travel insurance plans with trip cancellation or interruption coverage will protect you against unexpected terrorist acts at your destination city.
coverage is key Our highest rated plans let you visit any doctor or hospital you want to get the medical attention you need, and cover you for minor ailments like a cold, flu, food poisoning, a physician's visit or urgent care as well as the more major emergencies such as surgical treatments, hospital room and board, emergency medical evacuation and prescription drugs. With added coverage against terrorism, you're also entitled to political evacuation and repatriation in case of a terrorist incident. However, it is worth noting that even if there is some kind of violent civil discord occurring in a country they're scheduled to visit, it may not be covered under some plans. To avoid such a scenario, we recommend you purchase your plan as early as possible, and opt for one with Cancel For Any Reason coverage that comes with a time-sensitive purchase stipulation. Such coverage could be vital if you're traveling to a part of the world that is prone to civil disorder or terrorism, as incidents deemed as "known peril" - due to the commonality of occurrence - would void coverage for standard trip cancellation.
ready, set, insured Most Travel Medial policies - including those with coverage against terrorism - begin with 24 hours of approval. All you have to do is tell us about your travel plans, select a policy that works for you and pay to have your coverage begin by midnight the following day. We generally suggest you purchase coverage right after you book your flights and accommodation to account for global political instability and ensure that you're covered from the get go. Obviously, all plans are cancelable and refundable if your trip doesn't work out for some reason.
safety comes first We live in turbulent times where you dream vacation can quickly turn into your worst nightmare. While there are always risks involved with any kind of travel, exercising good judgement and getting travel insurance with terrorism coverage could help you avoid a serious disaster during your trip. Even so, we encourage all travelers to do their homework and heed any government issued travel alerts or warnings before planning a trip abroad - especially if it's to a region with prone to terrorism or currently going through political unrest. This is where the insurance company's responsibility ends, and personal responsibility begins. In the event that you're abroad and feel unsafe or a travel warning is issued, proper coverage would let you leave without the risk of forfeiting costs for the remainder of your trip.