The summer vacation is the peak tourist season, but terrorist attacks have recently occurred in many areas, causing panic among tourists. Travel insurance can provide tourists with personal and property protection, but does it include terrorist attacks?

Most travel insurance covers terrorist attacks to a certain extent, but the insurance coverage and definition vary from insurance company to insurance company, and the amount of compensation varies. For example, most travel insurance covers casualties and medical expenses caused by terrorist attacks, but if travel delays and property 旅遊保險 are caused by terrorist attacks, they may not be recovered, depending on the insurance coverage of different travel insurance products. In addition, many travel insurances do not cover terrorist attacks involving nuclear or biological and chemical weapons.

Therefore, when purchasing travel insurance, you should understand the insurance clauses in detail, including the following three points

Does travel insurance cover terrorist attacks?

What is the insurance coverage? What is the insurance amount?

Under what circumstances will compensation be paid?

Commonly excluded items include:

Injuries, symptoms, illnesses or conditions that existed before the insurance;

planning to travel outside due to medical treatment, unnecessary hospitalization or treatment;

Suicide, miscarriage, plastic surgery, drug abuse;

professional or income-generating sports or competitions, as well as certain extreme sports and adventure activities;

War, riots, nuclear risks.

practical tips for travel insurance:

You should make more comparisons before purchasing travel insurance. High premiums are not necessarily the best maintenance;

Different companies have different regulations. Before purchasing travel insurance, you should learn more about the coverage, compensation and uninsured items;

Travel insurance covers unpredictable risks and accidents, such as overseas medical expenses and emergency repatriation, which can be very expensive. In addition, travel insurance also covers travel delays or cancellations, loss of property, etc., making travel more at ease.

Consider your own itinerary. For example, if you plan to travel by car or participate in extreme sports, you should check the protection in this respect;

Travel with the original or copy of the policy to check the insurance coverage and contact information of the insurance company;

In the event of an accident, all relevant documents, such as alarm records or medical certificates, must be kept in order to process the claim;

Leave a copy of the insurance policy to your family, and they can also check with the insurance company in the event of an accident.

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