11 Trip Cancellation Insurance Situations That Are Covered (and What to Document)

10. Terrorist incident or government security advisory for destination

Terrorist incidents at or near a destination, or formal government travel advisories issued after you bought the policy, can be covered reasons. Insurers usually require evidence that the incident or advisory makes travel unsafe or impossible. Availability depends on timing — some policies require advisories to be issued after policy purchase to qualify. Collect government advisories from the State Department or equivalent authority, news articles, and any official statements about closed tourist sites or limited services. If your insurer requires the advisory to be issued after purchase, show policy purchase date and advisory issuance date. Document supplier cancellations and communications that reflect the change in safety or accessibility.