Travel Insurance and Terrorism.
Find out what help you can get if you're caught up in a terror attack.
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For information relating to policies purchased prior to 8 November 2022, 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 8 November 2022, please see below.
Recent world events have shocked most of us with terrorist events on our doorstep and at many of our favourite holiday destinations.
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.
What can travel insurance cover if there's a terrorist attack?
In the event of a terrorist attack, our travel insurance offers limited cover:
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, or a similar body advising you to leave the area/to not travel to the area, your cover will continue. There is still an exclusion for events related to terrorist activity, except for your medical expenses abroad if you are unexpectedly injured due to a terrorist event.
You’re injured or die in a terrorist attack: If you bought your policy on or after 1 August 2019 and 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 or a similar authority, or participated in the terrorist activity (obviously).
Our 24/7 Emergency Assistance Team can help you navigate next steps if you’re caught up in the chaos and aftermath of an attack and are trying to continue your trip.
What’s not covered by travel insurance if there's a terror attack?
Terrorist attacks 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:
- Cancellation, curtailment or trip interruption expenses related to terrorist activity.
- Non-medical evacuation
- If you change your mind.
- Any pre-trip cancellation expenses.
- If you decide to return home early.
- If you have to leave where you are staying and leave your stuff behind, you will not be able to replace it.
- 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 terror attack
It’s essential that you get in contact with our 24/7 Emergency 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?
Unfortunately there’s no cover if you leave your baggage behind.
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: €12,500,000
- Standard Plan: €3,750,000
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: €2,500
- Standard Plan: €1,250
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Overseas Medical & Dental Expenses
- 24 hour Emergency Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Pre-Trip Cancellation
- Trip Interruption (Explorer)
- Resumption of Trip (Explorer)
- Travel Delay (Explorer)
- Missed connection (Explorer)
- Hijacking (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Rental vehicle insurance excess (Explorer)
- Personal accident
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are 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?
| Country of residence | Phone |
|---|---|
| Belgium | +32 (0)2 808 66 32 |
| Denmark | +45 89 87 30 23 |
| Germany | +49 (0)335 5622 3012 |
| Ireland | +353 (0) 90 640 6460 |
| Netherlands | +31 (0)20 8080731 |
Contact the team
Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.
Emergency Assistance, World Nomads
Travel insurance. Simple & flexible.
Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.