Terrorism seems to be in the news more and more frequently in the past few years. Including the bombing in Boston and the mall attack in Kenya, there were over 7,000 terrorist incidents in 75 countries in the last year alone! It may be an uncertain world, but Canadians are still travelling (my wife and I just got back from China).
Emergency Medical Insurance
Q: Would I be covered if I was injured as a result of terrorist activity while traveling in France?
A: Yes, as terrorism is not listed under the general exclusion for war, nor is it specifically listed as a medical exclusion.
Trip Cancellation/Trip Interruption
Q: We purchase Trip Cancellation/Trip Interruption Insurance for a vacation to Egypt. There is no travel advisory in place when we book our flights and pay for the insurance. Prior to our leaving, an advisory is issued due to civil unrest, and we cancel our trip. Are we covered?
A: Yes, under the travel advisory covered risk, provided the advisory is in place on the date of departure.
Q: I am in Japan during a nuclear crisis and want to come home due to fears of radioactive contamination. Would I be covered?
A: Yes, as long as an advisory was issued after the insurance was purchased and is in place on the date of travel.
Remember to always pack your policy wording and wallet card when you travel. You should also check the government’s travel advisory page before purchasing insurance and well before leaving on your trip.
Photo credit: Travel by Myan Brenn on Flickr