When thousands of Britons could not get out of Libya recently due to holes in their holiday travel insurance coverage, they realized that war effectively nullifies their coverage. Many travel insurance plans include exclusions similar to the following:
This plan does not cover any loss caused by or resulting from war or act of war, whether declared or not, civil disorder, riot, or insurrection.
Therefore, it’s vital that those purchasing travel insurance plans understand their policies and what is (and is not) covered.
How Travel Insurance Covers War, Civil Disorder, and Unrest
Travel insurance plans cover travelers for war, civil disorder, and political unrest by allowing travelers to cancel their trip if they have ‘cancel for any reason’ coverage.
Some plans allow for non medical evacuations that include social upheaval as a covered reason for evacuation, but it’s important to understand your policy limits and exclusions. See a list of plans offering non medical evacuations.
- If political unrest is not listed as a covered reason for a non medical evacuation, you won’t have coverage.
- All evacuation arrangements must be arranged and coordinated by the travel insurance provider’s assistance services for coverage to apply.