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COVERAGE Three categories



Published: Sat, July 23, 2005 @ 12:00 a.m.



Insurance providers typically offer terrorism coverage as an add-on to travel insurance or as part of a broader package plan. Coverage for terrorist incidents typically falls under three main categories:

Trip cancellation: Up to 100 percent of your trip cost is covered if you cancel because of a terrorist attack close to your destination and travel dates.

Trip interruption: Up to 150 percent of your total trip cost if travel is interrupted and you must return home.

Accidental death and dismemberment insurance: Coverage of $10,000 to $1 million in the event of an accidental death.

Some plans:

Require consumers to buy coverage within a specific time after booking travel plans.

Require that the U.S. Department of State issues an official warning against travel to a destination on your itinerary.

Require that the terrorist incident occurs within 30 days of your expected arrival at a city on your itinerary.

Exclude coverage if there's been a terrorist attack in the city or country you're traveling to in the past six months.




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