Amid ongoing conflict in the Middle East, with knock-on effects felt in aviation hubs such as Doha and Dubai, travel agents and their clients need to pay special attention to the fine print of travel insurance policies, particularly war exclusion clauses.
Generally, in the insurance world they have what they call a war exclusion policy, where cover under an active war is excluded from parts of the policy, including trip disruptions and disinclination to travel, explains Simmy Micheli , Sales and Marketing Manager of Travel Insurance Consultants TIC.
War exclusion policiesMost travel insurance policies contain clauses that limit or completely exclude cover for claims arising from war or conflict.
TICs Standard Travel Insurance Policy states that no claims will be paid for losses indirectly or directly arising from or relating to a travellers wilful exposure to or active participation in war, invasion, acts of foreign enemies, hostilities or war-like operations whether war be declared or not.
Discoverys International Travel Insurance Benefits 2024 says Discovery will not cover any healthcare services related to any general scheme exclusion such as search and rescue operations, or for any travel to and in a country or territory at war.