How Not to Let Terrorism Destroy Your Travel Plans

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How Not to Let Terrorism Destroy Your Travel Plans

Travel Insurance - Terrorism Events

As if the world isn’t a complicated enough place, terrorism has to make it that much more so. For the majority of people, travelling is an opportunity to see the world through different eyes, to appreciate the multitude of diverse cultures and embrace ethnic differences. Unfortunately for others, the desire to cause conflict and inflict pain and suffering is the only motivation. When it comes to travel insurance, terrorism events can make things extremely difficult.

Knowing what counts as ‘terrorism’ is an important part of understanding what your travel insurance will cover you for, and what it won’t. Keep in mind that not all insurers offer this kind of policy, so when you find one that does, you need to understand your obligations and responsibilities.

In the event that someone is injured from a terrorist event, the majority of travel insurers only provide medical cover.

When travel warnings are issued, does that mean I’m covered for terrorism?

No, and in fact, if you voluntarily travel to a place for which a travel warning has been issued, you may not be covered by your insurance at all. As an example, the 2016 outbreak of the Zika virus meant that people who travelled to affected countries had effectively ignored warnings and as such, would not be covered for medical expenses arising from a Zika infection.

Similarly, with terrorism, if you do not take action to avoid entering locations where terrorism warnings have been issued, you will likely not be covered. Likewise, civil unrest, riots, severe weather systems, political uprisings, nuclear contamination and other potential catastrophes are also common exclusions.

The unpredictability of terrorism

Unfortunately, the current world climate means that a number of terrorist organisations are hell-bent on destruction. They are unpredictable and ruthless and pay absolutely no regard to traditional conventions of war. A terrorist strike can occur in places where they have never occurred before in history, and without apparent rhyme nor reason.

Sometimes, a terrorist organisation merely ‘inspires’ the event and is not literally behind it. These are occasionally known as ‘lone wolf attacks’. Think of the Martin Place café siege, where people were going about their regular daily activities and enjoying a morning coffee. Think of the Boston Marathon bombing, a popular annual event where families and communities had gathered to celebrate sportsmanship. Also consider the Bali bombings, the London, Paris, Brussels, Orlando and Madrid terrorist attacks and the countless events that occur in countries such as Turkey, Syria, Tunisia, Algeria and Egypt.

How to avoid being caught up in terrorist events

Sadly, there is no guarantee offered anywhere in the world that, despite all your best efforts, you won’t find yourself caught up in an attack. So it is up to every traveller to be vigilant.

Whether or not you have travel insurance, terrorism events happen and no amount of financial coverage can protect you from physical harm. Still, there are ways you can reduce your chances of being in the midst of potential danger.

How to travel fearlessly

Fear should never be a reason to avoid seeing the world. There are more countries, cities, towns and villages than you will ever be able to visit in a lifetime. Go where the security is, and whatever you do, don’t overlook travel insurance, terrorism or no terrorism. Meanwhile, consider the following:

Keep on travelling

Yes, travel and enjoy seeing the world. No, don’t expose yourself to unnecessary high risks. Be smart, be cautious and be judicious, but don’t give up your travel dreams based on the chance of being caught up in a terrorist attack.

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