Does Travel Insurance Cover Terrorism?
Find out how we could help if you're caught up in a terror attack.
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This information is for Australian residents only.
There's a lot of media around this, and there's a lot of allure in danger too. When everyone is saying something different about the risks of travel, it's hard to get a clear picture of what's going on. It also raises lots of questions about how insurance works.
What can travel insurance cover if there's a terror attack?
If the event is unforeseen – which by their very nature terrorist attacks almost all are, you could be covered for:
- Hospitalisation
- Out-patient treatment
- Prescribed medicines
- Medical transportation to bring you home
In addition, we also have emergency assistance teams who can assist you – keeping you informed, putting you in contact with consular officials, arranging medical care, and getting in touch with your family for you.
What’s not covered by travel insurance if there's a terror attack?
Travel insurance isn’t designed to cover everything. We often see claims for terrorism that we have to decline because the Australian plan excludes them:
- Cancellation
- Trip interruption expenses
- Changing your mind to travel
- Buying a policy AFTER the event happens
- If the Australian government says a destination is "Do Not Travel" and you still travel there.
Also, we don't cover anything that happens because you made jokes about terrorism or bombs while standing in an airport security screening area or other high security environment. Those people do not have a sense of humour, and you won't be laughing when they reach for the latex gloves.
How to get help if you're hurt in a terror attack
It’s essential that you get in contact with our 24/7 emergency assistance teams as soon as possible so that our teams can support you from the time your fall sick of get injured until the time you get home.
So that our Emergency Assistance team can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Protect your trip from unexpected cancellation.
- Explorer Plan: Unlimited
- Standard Plan: $5,000
Trip Protection
- Are you, your family sick, injured or deceased?
- Has one of your relatives died?
- Has a bushfire damaged your home?
We’ve got your back.
Emergency Medical Overseas
Take the pain out of medical costs.
- Explorer Plan: Unlimited
- Standard Plan: $5,000,000
Emergency Medical Insurance
- Need medicine?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transport
We'll get you to hospital lickety-split
- Explorer Plan: Unlimited
- Standard Plan: $500,000
Evacuation and Repatriation
- Banged up overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Cover your stolen or damaged gear and tech.
- Explorer Plan: $10,000
- Standard Plan: $2,000
Protect your gear
- Damaged docs?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Overseas Medical Expenses
- Emergency dental treatment
- 24 hour assistance
- Emergency medical transport & repatriation
- Cancellation costs
- Trip interruption costs
- Compassionate emergency visit home
- Resumption of trip
- Theft or accidental damage to baggage and personal items
- Baggage delay over 12 hours
- Funeral expenses overseas or repatriation of remains
- Personal liability
24/7 emergency assistance
If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Phone: +61 2 8263 0470 or Phone: +61 2 8292 1470 (reverse charges via an operator from anywhere in the world)
Contact the team
FAQ
Here are our most frequently asked questions about cover for Terrorism. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
-
Am I covered if I need to cancel my plans as a result of terrorism?
There's no cover in the Australian policies for cancellation as a result of terrorism.
-
Can you refund the rest of my policy because I’ve returned home early?
No. If you’ve travelled on your policy, there are no partial refunds.
-
What if I have to leave my baggage behind?
Unfortunately there’s no cover if you leave your baggage behind.
Before your trip, check the latest government advice for any travel alerts for your destination.