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In order to be eligible for coverage against terrorist incidents, the event must occur within a city listed on your trip itinerary or within a 50-100 mile radius of the city, occur within a specified amount of time prior to the scheduled departure date (7-30 days) for Trip Cancellation coverage, and fit the plan's definition of a terrorist incident.
There are two basic ways that travel insurance companies define covered terrorist incidents:
1) An incident deemed a terrorist attack by the United States government.
2) An act of violence, other than civil disorder or riot, (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.
Please keep in mind the information included in this response is a general rule of thumb. The wording of terrorism coverage can vary slightly or significantly from plan to plan. Please read the terms and conditions of the policy you are interested in, and call us for assistance at 800-487-4722.