We are planning a group trip to Israel in October. By looking at the State Departments warning, it says some places these warnings can go on for years, but I am not certain how to read it accurately. Can you tell me as of today, would our insurance be covered traveling to Israel? It speaks of "Known Peril", but clearly 1,000's of travelers are going. I just wanted to be extra sure and understand how to interpret the State Dept's warnings. The 2 comprehensive plans I am looking at were recommended by InsureMyTrip.
Generally, Trip Cancellation does not cover you if there are state department warnings. You can still buy a policy for that destination though, that isn't an issue. For cancellation coverage due to this type of concern, we would recommend looking into Cancel for Any Reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
When comparing "Terrorism in Itinerary City" - which option is better: a) Included OR b) Foreign and U.S. Domestic?
To see any differences in coverage, please click on the words "Included" or "Foreign and U.S. Domestic" when viewing a quote. Depending on the policy, "Included" may cover both U.S. and Foreign terrorism. Please click on the coverage detail to see how the specific plan you are looking at covers terrorism. The plans that state "Foreign and U.S. Domestic, generally include terrorism coverage as part of the policy no matter when you purchase your plan. Sometimes, the plans that say "Included" have terrorism as a time sensitive coverage, the computer is telling you that based on your initial trip payment date, terrorism is included if you were to purchase the plan today.