Does Travel Insurance Cover Terrorism?
Find out how we could help if you're caught up in a terror attack.
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For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024, please see below.
Our travellers know that staying aware at all times is key to staying safe, but there are some things you can never anticipate, and a terrorist event is one of those.
A terrorism event is defined as: An event that has been declared a terrorism event by the government of your country of residence or by the government of the country where the event happened, not including a terrorist attack that involves the use or threat of nuclear, chemical, or biological devices or cyber terrorism.
What can travel insurance cover if there's a terrorism event?
In the event of a terrorist attack, our travel insurance (Explorer Plan only) offers limited cover:
You cancel or cut short your trip: If a terrorism event occurs within 20 kilometres of your booked accommodation within 7 days of your trip start date or while you are on your trip. The Explorer plan may cover for your non-refundable expenses, and if your trip is cut short, some additional expenses incurred to get home, too.
You decide to stay and travel: If you decide to stay and travel, as long as there is no directive from the Foreign Ministry of your Country of Residence advising you to leave the area/to not travel to the area, your cover will continue.
You’re injured or die in a terrorist attack: If you’re injured or die in a terrorist attack, our policies may provide cover for emergency medical and dental expenses abroad. You can’t have travelled against the advice of the Foreign Ministry of your Country of Residence advising against All Travel, or participated in the terrorist activity (obviously).
You miss your flight or it is delayed: You are unable to reach your departure point, flight is delayed or your return flight home is delayed due to a terrorism event. The Explorer plan may offer cover for additional travel and accommodation expenses.
You are forced to move from your pre booked accommodation: You are on your trip and after checking in, you become aware your pre booked accommodation is uninhabitable due to a terrorism event. We will pay for the same standard of accommodation if you are forced to move into an alternative at the same destination, if your travel provider does not provide an alternative.
If you have to leave where you are staying and leave your stuff behind: If you are told that you have to evacuate the country you are in and you leave personal belongings behind, there will be cover under this policy (up to the maximum benefit limits).
Our 24/7 Emergency Medical Assistance Team can help you navigate next steps if you’re caught up in the chaos and aftermath of an attack.
What’s not covered by travel insurance if there's a terrorism event?
Terrorist events are understandably traumatic. However, if you’re worried one might occur, or following an attack you want to travel elsewhere or return home, we may consider that to be a change of mind in the circumstances, and we won’t cover you for those costs to change your plans.
In addition, our policy does not cover:
- Non-medical evacuation
- If you change your mind.
- Travelling against a non-essential advisory and the cause of the claim relates to the advisory.
- Buying a policy after the event happens will not cover you for any event-related injuries
You must also remember that if you knowingly put yourself in danger, or are aware of events that may lead to a claim, this is excluded under the policy. This means if there’s a warning of a terrorist attack or you were likely to have had knowledge there might be one, and you put yourself at risk by travelling to or staying in the vicinity of that area, then your cover may be excluded.
The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
How to get help if you're hurt in a terrorism event
It’s essential that you get in contact with our 24/7 Emergency Medical Assistance Team as soon as possible so that our teams can support you from the time your fall sick or get injured until the time you get home.
So that our Emergency Assistance Teams 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
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 Traveller
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 the customer service team.
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Am I covered if I need to cancel my plans as a result of terrorism?
Some policies do cover you for cancellation however most exclude it. Do check your policy when you get a quote.
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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.
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What if I have to leave my baggage behind?
If you are told that you have to evacuate the country you are in and you leave personal belongings behind, there will be cover under this policy (up to the maximum benefit limits).
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: €10,000
- Standard Plan: €4,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Abroad Medical Expenses
Take the pain out of medical costs while traveling abroad.
- Explorer Plan: €10,000,000
- Standard Plan: €5,000,000
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transport
Expenses included in Emergency Medical limits.
Evacuation and Repatriation
- 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 (just not sports equipment when in use).
- Explorer Plan: €3,000
- Standard Plan: €1,500
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Overseas Emergency Medical & Dental Expenses
- 24 hour Emergency Medical Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Trip Disruption
- Travel Delay (Explorer)
- Missed connection (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Personal accident
Contact our Claims Team
We're here to help if you have a question about your claim. We're available.
Contact usFor policies purchased on or after 27 June 2024
| Country of residence | Phone |
|---|---|
| Belgium | +44 (0) 333 333 9621 |
| Denmark | +44 (0) 333 333 9619 |
| Germany | +44 (0) 333 333 9618 |
| Netherlands | +44 (0) 333 333 9617 |
| Country of residence | |
|---|---|
| Belgium | worldnomads.clmsbe@collinsoninsurance.com |
| Denmark | worldnomads.clmsdk@collinsoninsurance.com |
| Germany | worldnomads.clmsde@collinsoninsurance.com |
| Netherlands | worldnomads.clmsnl@collinsoninsurance.com |
For policies purchased before 27 June 2024
| Country of residence | Phone |
|---|---|
| Belgium | +32 (0)2 808 66 32 |
| Denmark | +45 89 87 30 23 |
| Germany | +49 (0)335 5622 3012 |
| Netherlands | +31 (0)20 8080731 |
