Travel Insurance with Disaster & Terrorism Disruption Cover
Protect Your Journey Against the Unpredictable
In an ever-changing world, travelling with peace of mind is more important than ever. Natural disasters, unexpected travel advisories, and even acts of terrorism can alter plans in an instant. While these events are rare, they’re often not covered in standard travel insurance policies, leaving travellers at risk of unforeseen costs. That’s why we offer Disaster & Terrorism Disruption Cover as an optional add-on to your Voyager Plus Travel Insurance plan.
You may wonder: Do I really need additional coverage for these risks? Although it’s not mandatory, having this added layer of protection allows you to travel confidently, knowing you’re covered if the unexpected occurs. From disruptions due to volcanic activity—like the La Palma eruption in 2021—to last-minute government advisories from the Foreign, Commonwealth and Development Office (FCDO), this cover helps protect against the unpredictable.
Whether you’re planning a short getaway, a long stay, or multiple trips throughout the year, our Disaster & Terrorism Disruption Cover can be seamlessly integrated into any Voyager Plus policy. It’s travel protection designed for a world where the unexpected can happen—so you can focus on your adventure, knowing you’re prepared for whatever comes your way
What Does Voyager Plus Travel Insurance with Disaster & Terrorism Disruption Cover Include?
The Voyager Plus Enhanced Travel or Terrorism Disruption option broadens your cover, allowing claims under Cancellation, Curtailment, Travel Delay, and Missed Departure/Journey Disruption sections. It protects against acts of terrorism, volcanic ash disruptions, and new travel restrictions from the FCDO or WHO advising “all but essential travel” or “all travel,” including sudden pandemic advisories.
This option also covers accommodation costs if pre-booked lodging becomes unusable, ensuring alternative arrangements are covered. Ideal for independently booked trips, this added layer of protection brings peace of mind throughout your journey.
| Policy Highlights | Standard (£/€) |
Enhanced (£/€) |
Prime (£/€) |
Supreme (£/€) |
Excess Applies |
| Extended Cancellation or Curtailment | 1,000 | 2,500 | 5,000 | 10,000 | Yes |
| Extended Travel Delay (a) after 12 hours delay (b) each 12 hours thereafter (c) up to |
(a) 40 (b) 20 (c) 200 |
(a) 40 (b )20 (c) 200 |
(a) 40 (b) 20 (c) 200 |
(a) 40 (b) 20 (c) 200 |
No |
| Abandonment or Additional Expenses | 1,000 | 2,500 | 5,000 | 10,000 | Yes |
| Extended Missed Departure | 1,000 | 1,000 | 1,000 | 1,000 | Yes |
| Accommodation Cost | 1,000 | 2,500 | 5,000 | 10,000 | Yes |
| Excess | 150 | 100 | 75 | 50 |
The table above is only a summary of cover. The sections of cover are explained in more detail below but please refer to the Voyager Plus Travel Insurance with Enhanced Travel or Terrorism Disruption cover policy wording for full cover limits, terms, conditions and exclusions.
Our Voyager Plus Optional Disaster & Terrorism Disruption Cover includes:
- Extended Cancellation & Curtailment: Coverage if your trip is cancelled or cut short due to a change in FCDO travel advice or acts of terrorism affecting your journey.
- Extended Travel Delay & Abandonment: Coverage for additional expenses if your international departure or arrival is delayed or cancelled due to an act of terrorism impacting your travel plans.
- Extended Missed Departure: Coverage for missed departures caused by strikes, industrial action, adverse weather, volcanic eruptions, or terrorism affecting your itinerary.
- Accommodation Costs: Coverage for unused accommodation costs and additional expenses for new accommodation if terrorism, natural disasters, or food poisoning disrupt your trip.
By adding the Voyager Plus Enhanced Travel or Terrorism Disruption option, you gain extra financial protection and peace of mind for a wide range of unforeseen circumstances.
How do I Get a Quote for Travel Insurance with Disaster & Terrorism Disruption Cover
To add Disaster & Terrorism Disruption Cover to your Voyager Plus policy, simply follow these steps:
- Get a Quote: Click any of the 'Get a Quote' buttons on this page.
- Select the Option: On the ‘Your Quote’ page, choose the Disaster & Terrorism Disruption Cover.
- Purchase the Policy: Complete the process and travel with confidence, knowing you’re protected against unexpected disruptions.
