The standard exclusion
Most policies exclude losses caused by war (declared or not), invasion and acts of foreign enemies. Many also exclude travel to places under a government "Do Not Travel" (Level 4) advisory.
Where you may still be covered
- Security evacuation: some plans or add-ons pay to get you out if unrest breaks out after you arrive.
- Terrorism: many plans cover cancellation if an attack happens in your destination city within a set window before departure.
- CFAR: lets you cancel for any reason, including fear.
Airspace closures
Closed airspace leads to reroutes and longer flights, not always cancellations. Airline waivers are your first line of defense.
Check before booking
Read our advisory levels and the official State Department advisories. Enroll in STEP for U.S. embassy alerts.
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Plans that cover strikes, storms and delays.
General information only — coverage varies by plan and state/country. Always read the policy wording before you buy.
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