Travelers being attacked during their tour are a common affair. There have been many such incidences in the past history. It is obvious that when terrorists attack tourists, they naturally panic and nervous and sometimes think of cancelling their entire trip or the following plans of the remaining trip. Considering travel insurance, there are two divisions – some of the insurance companies do not allow claims in cases of terrorist attacks, while there are some other that considers terrorism as a reason so that claims can be offered on the basis of different benefits of travel insurance. In order to attain travel insurance coverage see that the incident of terrorist attack be listed under the travel insurance policy and is shown as a covered reason so that the trip can be cancelled, or you can go home early, or you can get access to medical assistance, etc. Of course, there are limitations of travel insurance on coverage in attack of terrorists. A definite rule of gaining travel insurance coverage is that be sure that the terrorist attack be taken place within 30 days from your departing day and within the reach of certain miles away from your city as noted in the itinerary.
Look at the ways from which Travel Insurance Singapore safeguards you from terrorist attacks
- Cancel Trips And Redeem Your Money
Most of the travel insurance plans make a traveler cancel their trip before even leaving if a terrorist attack is heard of or genuinely takes place. No other way can be as beneficial as this for the protection of your investment regarding trips especially from the rough actions by the attacks taken by terrorists. If there is a terrorist attack on a distant land, a bit away from the actual place from where the terrorists have attacked, but the traveler feels like cancelling the trip, he or she will require to provide ‘cancel for any reason’ coverage so that the claim is passed.
- Go Home When Terrorists Strike
There might be situations like you are on your journey toward the trip and in between you heard of a terrorist attack in your destined location, it is obvious that you will want to leave the place at once and settle for home. If such is the case, trip interruption coverage will compensate the traveler in the extra expenses that will be required for transportation. Of course there is a limit to compensation of money. Money for airline ticket will not be paid back. Analyzing at how much of the trip is left to explore, reimbursement will also be made for things that assume non-refundable payments. Make sure that you do not utilize it prior to heading for home. Otherwise, the latter reimbursement will not be provided.
- When Injured In Terrorist Attacks, Get Medical Treatment
When the traveler is injured in the terrorist attack there is least limitation in terms of medical treatment. Even though the providers of travel insurance press upon some limits on terrorist attacks, yet it is not cared upon. Secondly, when you travel to a foreign land and has been attacked by the terrorists, the emergency medical treatment that will be served to you will be carried on to fulfill the limits of the plans made by travel insurance. A point to be noted – the acts of terrorism and incidents caused by terrorists are not be included under the nominal exclusions to be facilitated by the above mentioned benefit to be availed by a traveler who is caught within the meshes of terrorism.
- Send Kids To College Even Though You Are Dead
Accidental death and dismemberment (AD & D) or coverage for accidents in flight are included in most of the travel insurance plans. When you are included under an insured trip and you get killed while you get stuck in a terrorist attack, your family members and beneficiaries will get the exact amount of money as is noted in the details of the policy. Even though this benefit is secondary in comparison to any other life insurance, still your near and dear ones will be able to avail the travel insurance either with the help of your employer or by any other sources.
- Catch A Ride Out The Mess
Whenever the gang of terrorists does havoc to a location, the only safest being are the ones that carry travel insurance because they stand in a better position to get out of the terrorist attacks and from the area where the terrorists have laid their hands upon. Again, there is a list of other travel insurance companies like HL Aussurance that provide security or political evacuation coverage. This in turn have the possibility of regaining back their insured travelers so that they are taken to a secured place and covered up with ample safety.
- Handle Delays Caused By Terrorism
Another covered event taken under consideration by most plans of travel insurance companies is the delay of travels. A situation may occur when you are getting delayed due to a terrorist attack, the required money will be provided for unexpected situations in lodging and transportation hassles. Also you will be supported with various travel services like booking in hotels, rearrangement of flights, and the like. All such kind of services will be looked after and sought by the money received from the travel insurance plans.
- Recover Your Body
Further, if you are killed during a terrorist attack when you are on the way toward the travel, the travel insurance plan covers the return of mortal remains or repatriation. This is activated so that your body gets recovered in no time and it is handed over to your house mates for burial with ease. Here the travel assistance team has some important functions to perform. The travel assistance team will require making amends with the officials of the government, managing all paper works, settling and paying all shipment charges to make sure that your dead body is brought back to home safely.
- Help If You Are Hospitalized
When you are on your way along with your children and you are taken to the hospitals for major injury in terrorist attacks, travel insurance plans also make coverage for taking back minor children to their homes or to their appropriate guardians till your recovery. Another less known fact of the advantage of travel insurance is known as the bedside visit or emergency medical reunion. Here the benefit speaks of bringing a family member or one of your closed one near your bedside if you are hospitalized in a foreign land for at least 7 days.
Difference In Definition Of Terrorism
When a warning is received by the U.S. Department of State, the travelers are warned about the upcoming terrorist attacks in no time. The immediate step that a traveler undertakes is to run after their travel insurance plans and go through the coverage details. As per the travel insurance plans, if you cannot prove that the event has been caused due to a terrorist attack, your claim at once will be denied. Travel insurance companies defined terrorist attacks as an act deeming terrorism. Terrorism as defined by travel insurance companies result in loss of lives or serious damage to properties by a person or group of persons linked up by an organization or association generally recognized as anti-governmental and against the values and norms of the country.