Travel Insurance for Terrorist Attacks
If the worst happens, travel insurance may be able to help.
- As featured in:
As featured in:
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
- What can travel insurance for U.S. residents cover if there's a terror attack?
- Can I cancel my trip if there’s been a terror attack?
- What’s not covered by travel insurance if there's a terror attack?
- Preparing for Travel
The world can be a volatile place, and we know terrorism is a concern for many travelers. Read on to learn more about what our travel insurance* plans cover.
What can travel insurance for U.S. residents cover if there's a terror attack?
First things first – get yourself to safety and follow the directions of the local authorities. When you are safe, give our 24/7 Emergency Assistance Team a call and let them know where you are and what happened. The team may be coordinating with other travelers like yourself, and may be able to assist with directions, advice or even emergency evacuations, if you are in imminent physical danger. The team may also have contacts within the local governments or embassies, and this could be a valuable resource in your scary situation.
If you get injured in a terrorist incident while traveling, the emergency medical expense may reimburse you for:
- Hospitalization
- Emergency out-patient treatment
- X-rays, lab tests
- Medication
- Medical evacuation to bring you home, subject to approval from the 24/7 Emergency Assistance Team
If you are not injured but are in imminent physical danger due to political unrest or security incidents, you may be eligible for evacuation to your original destination or to the nearest place of safety. You’d need to contact our 24/7 Emergency Assistance Team if this happens and then may be able to make arrangements, keeping you informed as the situation develops. Often times, you won’t be the only traveler in this situation and so plans may already be in place for evacuations when you call.
Can I cancel my trip if there’s been a terror attack?
If a terrorist incident takes places in your departure city or in a city listed on your trip itinerary within 30 days of your departure date, you may have coverage for trip cancellation or trip interruption. In order to be eligible for coverage, you must purchase your travel insurance plan before an incident happens.
If you are concerned about future events, whether they are terrorism-related or not, you may also want to consider the optional ‘cancel-for-any-reason' add-on benefit. If you have an Explorer or Epic plan, you can add this benefit (for an additional charge) and you would be able to cancel your trip for any reason and recover a portion of the non-refundable, prepaid trip expenses. You must purchase this benefit during the time sensitive period of 7 days within making your first trip deposit or payment (booking an airline ticket, reserving a hotel, etc). Maybe you are just too nervous to fly right now – that will be covered with this benefit. Maybe the political environment has changed in the country you planned to visit, and you feel it’s now unsafe... that will be covered. If you don't have ‘cancel for any reason’, you will only be eligible to cancel or interrupt your trip for the specific covered reasons listed in your plan.
What’s not covered by travel insurance if there's a terror attack?
Travel insurance isn’t designed to cover everything. Here are some things excluded from coverage (apart from the add-on ‘cancel for any reason’ benefit):
- Buying a plan after the event happens
- War or invasion whether war is declared or not
- Participation in any military maneuverer or training exercise
- Fear of travel or changing your mind (unless you purchase the optional ‘cancel for any reason’ coverage)
Preparing for Travel
Always research your destination before you travel. Visit travel.state.gov for the most up-to-date advice, travel advisories and security alerts provided by the U.S. government.
Register your trip with the State Department’s STEP program.
If the government of the United States or your host country makes an announcement about a potential terrorist incident, it’s a good idea to leave the area if it is safe to do so.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.How to get help if you're hurt in a terror attack
It’s essential that you get in contact with our assistance team as soon as possible so that our team can support you from the time you fall sick or get injured until the time you get home.
So that our 24/7 Emergency Assistance team can assist you quickly, please be ready with the following:
- Your plan number
- A contact number for where you are now
- The nature of your problem
- Your location
Terror Attacks in Paris.
After the terrorist attacks in Paris on November 13 and subsequent raids in St. Denis on November 18, we decided to cancel our trip until a better time to travel with our children overseas.
US Traveler
FAQ
Here are our most frequently asked questions about cover for Terrorism. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Am I covered if I need to cancel my plans as a result of terrorism?
Covered reasons for trip cancellation are listed in the plan documents. We suggest you read those carefully to understand how they apply to terrorism situations. All our Single trip and annual travel insurance plans have trip cancellation coverage, but only for covered reasons. If terrorism is a concern of yours for the place you intend to travel to in the future, you may want to consider purchasing the Explorer or Epic plan and adding on the optional ‘cancel for any reason’ benefit (at an additional charge). This must be done during the time-sensitive period of 7 days.
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Can you refund the rest of my plan because I’ve returned home early?
No. If you’ve traveled on your plan, there are no partial refunds.
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation.
- Standard Plan: $2,500
- Explorer Plan: $10,000
- Epic Plan: $15,000
- Annual Plan: $5,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Insurance
Take the pain out of medical or dental costs.
- Standard Plan: $125,500
- Explorer Plan: $150,000
- Epic Plan: $250,000
- Annual Plan: $100,000
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Evacuation
We'll provide assistance to get you to the hospital or home quickly.
- Standard Plan: $400,000
- Explorer Plan: $500,000
- Epic Plan: $700,000
- Annual Plan: $100,000
Emergency Evacuation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Covers the loss, theft or damage of your bags, tech and gear.
- Standard Plan: $1,000
- Explorer Plan: $2,000
- Epic Plan: $3,000
- Annual Plan: $2,000
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
The amounts listed represent the maximum benefit amount.
Protect your health
- 24/7 Emergency Assistance Help Line
- Emergency Medical & Dental Expenses
- Emergency Evacuations
- Bedside Companion Travel
- Emergency Medications
Protect Your Trip
- Trip Cancellation
- Optional Cancel for Any Reason (Explorer or Epic)
- Trip Delay & Trip Interruption
- Missed Connection (Explorer or Epic)
- Rental Car Damage (Explorer, Epic or Annual)
Protect Your Stuff
- Baggage Delay
- Passport and Visa Loss
- Lost or Stolen Bags
- Personal Tech, Equipment & Gear
- Baggage Return After Evacuation
Non-Insurance Services
- Medical & Non-Medical 24/7 Emergency Assistance Line
- Translators Available
- Runway Health
- FootprintID
- Blue Ribbon Bags
24/7 emergency assistance
Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Wherever you are, we’re here 24/7 to help you in any emergency.
Are you in need of emergency assistance right now?
Contact Generali Global Assistance:
Telephone:
+1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada
Before your trip, check the latest government advice for any travel alerts for your destination.