Travel Insurance Plans that Cover Terrorism
When traveling there are certain factors that are out of our control. Of course the obvious come to mind such as flight delays and lost luggage, however there are also things that pose a more serious threat such as an act of terrorism while traveling. Since September 11, 2001 terrorism has become more of a reality than a distant topic and individuals have found that one way to battle it is by being prepared through purchasing insurance including act of terrorism coverage.
Purchasing International Travel Medical Insurance through the Atlas Travel plan provides $50,000 lifetime maximum medical coverage for injuries and illnesses resulting from an act of terrorism. However, there are certain conditions that need to be met for benefits to be provided from insurance including compehensive coverage:
1. The Injury or illness does not result from chemical, nuclear or biological weapons or events.
2. You have no direct or indirect involvement in the act of terror.
3. The act of terrorism is not in a country or location where the United States government has issued a travel advisory that has been in effect within the 6 months prior to your date of arrival.
4. You have not unreasonably failed or refused to depart a country or location following the date an advisory to leave that country or location is issued by the United States government.
Of course some use the term terrorism a bit differently than others. The man sitting next to you on the airplane clipping his toe nails is not considered an act of terror. The rental car company not giving you a free upgrade is not considered an act of terrorism. Just to clarify, for insurance including act of terror coverage through the Atlas Travel plan, an act of terrorism is defined as follows:
An act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.