The recent terror attack in Manchester (United Kingdom) at an Ariana Grande concert has caused a crisis in Great Britain. Questions surround how to better handle the emergency response with these types of incidents and what can be done to deter future attacks. Ariana Grande canceled her Dangerous Woman tour after the nail bomb attack. Travelers with tickets to Manchester or other locations are also wondering what they should do in case of a terrorist attack at a location they had planned to visit. Travel insurance policies (with terrorism coverage as a covered reason under trip cancellation coverage) can allow you to cancel your travel plans and be reimbursed after a terrorist attack in your destination city, provided the policy was purchased before the attack.
Coverage for Terrorism
Travel insurance policy coverage varies from provider to provider. Each insurance provider might label “terrorism coverage” in a different way. It is important to read the terrorism coverage clause in your policy of interest before purchasing.
Make sure to read the covered reasons before buying on TravelInsurance.com by clicking on the trip cancellation, trip interruption and/or coverage for terrorism benefits shown when quoting and buying. Here are two examples of covered reasons for terrorism from travel insurance policies:
Fine Print – Example 1
“If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within a 100 mile radius of the territorial City limits of the City to be visited as shown in Your itinerary, and if the United States government issues a travel advisory indicating that Americans should not travel to a City named on the itinerary.”
Fine Print – Example 2
“A Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your or Your Traveling Companion’s Trip;”
Whether or not a terrorist attack is covered also depends on where it happened precisely. If you are traveling to the city the attack occurred in or if your destination is within a 50 mile or 100 mile radius of where the attack happened, then your travel insurance policy should cover the attack.
Yet another factor you should consider is that there is usually a time limit which you can use for your travel insurance policy. If the terrorist attack occurred within thirty days of your trip, then you are covered to cancel or to reschedule your trip.
The important thing when shopping around for a travel insurance policy is to do your research carefully. Low cost travel insurance policies usually do not cover terrorist attacks. You will generally have to select a more expensive travel insurance policy. You will also have to look over all of the fine print when you select a travel insurance policy. Seek one that adequately covers all of your concerns in case of a terrorist attack. The Manchester nail bomb attack that killed twenty-two people is a tragedy, as are all of the past and recent acts of terror. You can proactively do what you can to protect yourself with a travel insurance policy that covers acts of terror.