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Know Your Cover

What s included and excluded?

Do you know if your travel insurance policy covers absolutely everything that you may need cover for?

Would you be able to cancel a planned trip due to a volcanic eruption, flood or other natural catastrophe at or near your destination?

Would you be able to claim if your journey was delayed as a result of an act of terrorism?

Unfortunately, many policies limit or exclude cover for items like these, but travellers don’t find out until they try to make a claim.

How do you check?

In your policy wording – start with the General Exclusions section. Scan down to find the relevant section – terrorism, natural disasters, etc. Here you will see if the policy provides any protection or if it is a blanket exclusion.

We know all this reading isn’t a whole lot of fun, but this really is the only way to know for sure.

Look out for: Direct references:
- If you’re looking for natural catastrophe cover, how does this policy define a natural catastrophe? This can be different on every policy!
- Does it specifically mention floods, earthquakes, volcanos, hurricanes, or tropical storms?
- Make sure you can see what applies to natural catastrophes, as opposed to other issues like accidents.

Are you covered for Natural Catastrophes?
- If natural catastrophes are excluded as a whole, that could mean you wouldn’t be covered for ANY loss, delay, injury, or other claim caused by a flood, volcanic eruption, earthquake, etc.
- Some policies will include some cover for natural catastrophe (for instance medical expenses only) and exclude other cover, such as loss of personal belongings.
- Many policies, for example, provide cover for injury, death and disablement resulting from earthquakes or volcanic eruptions, but don’t cover the cost of delays, lost passports, or other related expenses.
- Will it cover natural catastrophes that affect travel in your home country – or just international travel? A flood in the UK may prevent you from getting to the airport, for instance.
- Make sure the events covered are appropriate to your destination, for example if you’re visiting an area that can experience volcanic activity, that’s an essential piece of cover to have! If you’re off to the Caribbean, you don’t necessarily need to worry about volcanos, but tropical storms and hurricanes are not exactly rare in this area.
- Make sure you don’t miss out on cover for floods or other natural disasters that aren’t region-specific.

Our International Travel Insurance is a great example of a policy that includes comprehensive cover for natural catastrophes – have a look or give us a call if you’d like to chat about the most appropriate policy for your next trip.

How this applies to terrorism cover

Checking for terrorism cover is similar to checking for natural catastrophe cover – you need to look for specific references to terrorism, as well as the events that this includes in your unique policy.

Look for references to explosions, terrorist attacks, and other related phrases.  

You can top up any travel insurance policy with comprehensive and cost-effective terrorism cover – including the option to cancel if there’s an act of terrorism within 40 miles of your destination, up to 6 weeks before you depart! Visit our Safe Journey website and read the policy wording for full terms, conditions and exclusions.