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Terrorism Insurance for Vacationers and Business Travel

In case you missed a Wall Street Journal article for Travelers on Terror Insurance, here's a roundup of Travel Insurance Policies and What They Cover:

Company Cost Distinguishing Features
Access America Navigator
Policies have strict limits: They won't cover biological, chemical or nuclear attacks, and you're not covered if you go someplace where a big event like the Olympics is happening.
Gold: $259 Some policies go so far as to pay off even if you are forced to cancel a trip because a non-traveling relative gets sick — even if it's due to a pre-existing condition.
HTH Worldwide Trip Protector:
Like many policies, it offers online access to security and health information. Also provides security alerts; emergency numbers for doctors and hospitals.
TravelEx Insurance
Travel Plus:
Kids under 16 get free coverage if dependent and accompanied with adult who bought the travel insurance.
AIG Travel Guard.

Doesn't require the State Department to issue a travel warning before coverage of terrorist acts kicks in.
Travel Insured Worldwide Trip:
Covers terrorist events only that are included in State Department warnings. Therefore, this is only international coverage.
Has broad policy to protect you if your airline goes out of business — and unlike other policies, even extends its coverage to carriers already operating under bankruptcy-law protection.


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