When is an attack considered terrorism by travel insurance?

For an attack to be covered by travel insurance, it must be deemed an act of terrorism by the U.S. government.

Many policies provide Terrorism coverage within the Trip Cancellation and Trip Interruption benefits.

In order for an attack to be covered, the incident must first be declared an act of terrorism by the U.S. government, or a local government where the attack occurred,. Each policy also has a set of requirements that must be met in order for a traveler to cancel due to an attack. Typical requirements include:

• The attack musth have occurred in or near a city listed on a traveler’s itinerary
• The attack must have occurred within 7-30 days of a traveler’s scheduled arrival
• There have been no other terrorist incidents in the same city within a specified period of time