| The occurrence of a politically motivated terrorist | | | | non-refundable land or sea travel not yet taken |
| attack grabs the immediate attention of travelers. | | | | before your trip was interrupted. |
| This is especially true when the attack takes place | | | | - Worldwide emergency travel assistance from a |
| in a country the traveler is scheduled to visit or is | | | | good insurance company will help arrange to get |
| already visiting. | | | | you home, or to safety and then home. Medical |
| How can travelers protect their travel costs - and | | | | Coverage |
| ensure medical care and evacuation coverage - in | | | | Consider this situation: You are seriously injured |
| the case of a terrorist attack? | | | | during the same terrorist attack on the train going |
| Most insurance companies rely on the U.S. State | | | | into Mumbai. You need immediate medical |
| Department to publicly declare an attack to be | | | | attention. |
| terrorism as the deciding factor that allows for | | | | How does the travel insurance plan protect you? |
| coverage. Once that is established, there are two | | | | - Your emergency medical expenses and medical |
| separate time periods during which most travel | | | | evacuation expenses are normally covered. |
| insurance plans will cover insured travelers: | | | | - Your insurance company will provide a medical |
| - after they buy their insurance plan but before | | | | consultant to arrange your medical transport, |
| they leave on their trip | | | | treatment and payment with healthcare providers. |
| - during the trip Insurance for Terrorism Before | | | | - A good insurance plan will pay to fly your |
| Your Trip Leaves | | | | dependant child or children home. It may pay for |
| Consider this situation: You are leaving on a | | | | an adult to fly to your bedside if no one is with |
| two-week tour of India next Wednesday. Your | | | | you. |
| prepaid itinerary includes a scheduled visit to the | | | | - Your coverage will prepay or reimburse your |
| city of Mumbai. On Saturday before your trip a | | | | additional expenses for transportation home not |
| bomb explodes in downtown Mumbai killing people. | | | | included in the prepaid trip cost. |
| The U.S. State Department publicly declares that | | | | - Worldwide emergency travel assistance will |
| this was an act of terrorism. When you booked | | | | arrange to get you home, with a medical |
| your trip you bought a comprehensive travel | | | | attendant if needed, when you are able to travel. |
| insurance policy with terrorism coverage. Now you | | | | Why Would You NOT be Covered for Terrorism? |
| want to cancel your trip to India. | | | | When does travel insurance not protect you for |
| How does the travel insurance plan protect you? | | | | terrorism and why? |
| - You may cancel the trip because the terrorism | | | | - You have already booked your trip to India and |
| occurred within a city on your pre-booked travel | | | | hear Mumbai might be a terrorist target. You |
| schedule, within 30 days of departure, and after | | | | want to cancel even though nothing happened |
| the effective date of your trip cancellation | | | | yet. |
| coverage. | | | | - You are scheduled to travel to Mumbai, India, on |
| - You will normally receive up to a full refund of | | | | May 15. The terrorist attack occurs on March 20. |
| your prepaid trip cost. | | | | You want to cancel. The attack did not occur |
| - Some plans, however, may only reimburse you | | | | within 30 days of your scheduled departure so |
| in the form of a credit allowing you to rebook a | | | | there is no coverage. |
| future trip. | | | | - You are scheduled to visit Mumbai, India, and a |
| - If you want a cash refund, you need to check | | | | terrorist attack occurs in Goa, India. You are not |
| insurance plan terms before buying. But be sure it | | | | scheduled to visit Goa so there is no coverage. |
| provides a refund, not a travel credit. | | | | - Your prepaid itinerary does not include visiting |
| - Purchasing Tip: Usually a travel insurance plan | | | | Mumbai. During your trip you go there on your |
| you buy from a travel agent or from an | | | | own. A terrorist attack occurs while you are |
| insurance company will have stronger coverage | | | | there. There is no coverage. You did not include |
| than a plan you buy directly from the travel | | | | Mumbai in your prepaid plans. |
| company taking you on the trip. Insurance for | | | | To cancel prior to your trip and obtain coverage |
| Terrorism During Your Trip | | | | that might otherwise be denied, such as due to |
| Consider this situation: You are on your trip to | | | | fear an attack might happen, a "Cancel for Any |
| India. While riding the train into the city of Mumbai, | | | | Reason" upgrade is an option that most travel |
| a bomb goes off in the passenger car in front of | | | | insurance companies offer. It allows you to cancel |
| you. People are killed and you are rescued | | | | up to two days prior to departure, usually for a |
| uninjured with others from the damaged train. | | | | partial refund of up to 75% of prepaid trip costs. |
| Now you want to return home from India as | | | | Most such plans must be purchased with 14 days |
| soon as possible. | | | | of your initial trip deposit. |
| How does the travel insurance plan protect you? | | | | How will travel insurance protect you in the face |
| - Trip Interruption coverage will reimburse your | | | | of terrorist threats and actual acts of terrorism? |
| additional expenses for transportation home not | | | | It pays to know the facts. If you purchase travel |
| included in the prepaid trip cost. | | | | insurance for terrorism coverage, make sure you |
| - It covers your prepaid costs of unused, | | | | fully understand your options. |