In this day and age, terrorism is a real and significant threat, so when you travel, it’s worthwhile having travel insurance that covers terrorism. At insure4less, we offer travel insurance with terrorism cover included. We understand that there is a growing need for this product as people worry about being protected if a terrorist attack did occur. That’s why we offer one of the most comprehensive travel insurance policies to cover terrorism in the market today, and best of all, it’s available for a affordable price. Terrorism is usually excluded from most travel insurance policies however at insure4less, travel insurance with terrorism cover included is a no-brainer. We specialise in developing and providing innovative insurance products for Australian travellers to meet their unique travel needs and offering cover for terrorist attacks is no exception.

Terrorism Travel Insurance from insure4less

It’s not our intention to discourage Australians from travelling, but terrorism is a fact of life, and understandably you want to know what cover you have in case the worst should happen. At insure4less, our travel insurance that covers terrorism is a highly competitive insurance product with a wide range of benefits including:

  • Special terms – We have negotiated special terms with our underwriters to give you some of the best possible protection available.
  • No blanket exclusion for terrorist activities - Unlike most of our competitors, we don’t have a blanket exclusion for all terrorist activities.
  • No payout restriction on medical expenses – We don’t restrict the amount that we are prepared to pay out for medical expenses.
  • Cover for terrorist attacks when no government warnings are in place - If you travel to a country where there are no Government warnings against travel and are caught up in a terrorist activity, you will be covered under all the relevant sections including medical and baggage.
  • Cover to cancel your trip after a Government issued travel warning - If you have already paid for your travel and travel insurance, and then the Government issues a warning against travel (level 4) to that destination, you will be covered to cancel your trip.

If you compare these benefits with other travel insurance policies, you are unlikely to find such comprehensive cover for terrorist attacks.

Cover for Terrorism While Traveling

There are two main areas you will be covered for in our travel insurance policies if a terrorist threat is issued or a terrorist attack occurs at your travel destination. Cancel Your Travel - You will be covered for the cost of cancelling your trip if a level 4 ‘Do Not Travel’ warning is issued by the government as long as the alert occurred after your insurance policy was issued and is in place 14 days prior to arrival. This option is not often included in policies from our competitors. Medical Expenses - If you’re hurt in a terrorist attack while on holiday and no prior level 4, do not travel warning was issued by the Government, you will receive cover for medical expenses and medical evacuation. There is no restriction on the payout you can expect to receive to cover medical expenses caused by a terrorist attack.

Terrorism Travel Insurance Exclusions

It’s important to note that you will only be protected by a travel insurance policy that covers terrorism if you don’t intentionally place yourself in harm’s way and expose yourself to unnecessary risk. For example, if a travel warning is issued by the Government about a terrorist threat in a country you are travelling to, you will not be protected from a terrorist attack if you decide to go to that country anyway. Please also note that harm caused by an act of war is not classified as terrorism. If harm or disruption to your trip has occurred due to an act of war, you will not be covered. Please read our Product Disclosure Statement for further clarification and exclusions information.

Travel Warnings

Visit the Australian Government’s Smart Traveller website at for up-to-date government issued travel warnings for all countries across the globe. Travel warnings are posted by the Department of Foreign Affairs and Trade and put in place to keep us safe and warn Australian travellers about potential threats overseas. Travel warnings range from Level 1 to Level 4. Level 4 travel warnings are issued because the destination is considered to be very dangerous due to a high terrorist threat or ongoing conflict. You will no longer be covered for terrorism if you choose to go ahead with your travel plans despite the warning, however, the cost of cancelling your trip may be covered.


Why Cover for Terrorism Should Be Included in Your Travel Insurance Policy

Unfortunately, the threat of terrorism is at the back of many traveller’s minds before heading overseas on a holiday. Between 2006 and 2013, 90,000 terrorist attacks have occurred across the globe, so concern over this threat is warranted. Although the chance of a terrorist attack occurring is very low in the holiday destinations most popular with Australians, the truth is, a terrorist attack could happen anywhere. Even if terrorism is something we don’t want to consider, why risk not being covered if the worst were to occur?

Why Choose Travel Insurance That Covers Terrorism from insure4less

Many Australian holidaymakers probably think that any standard travel insurance policy is all they need however not all insurance companies provide the comprehensive cover you may expect, including protection from terrorism. So few insurance providers offer terrorism cover and the few that do have heavy restrictions such as no cover for cancellations. Because of this, many Australian travellers are led to believe there is no worthwhile insurance option available to them to cover terrorism. This is why insure4less has tailored a travel insurance policy to ensure you and your family receive the best cover possible if a terrorist attack occurs. Cover for medical expenses, cancellation and travel delays are included in our travel insurance policies, subject to terms and conditions. If you have been hurt in a terrorist attack, we believe there should be no restriction to your medical expenses cover. We are one of the few insurance companies who do not restrict the payout to cover medical expenses after a terrorist attack. After all, you need as much support and assistance as possible after experiencing such an incident. Terrorism Cover is a standard feature as part of our travel insurance policies. No extra cost will be applied to your quote to receive cover for terrorist attacks. Simply enter your trip details to get a quote online instantly and select any of our cover options to receive travel insurance with terrorism cover included.

Contact insure4less about Travel Insurance for Terrorism

Have peace of mind knowing you will have travel insurance that covers terrorism thanks to insure4less. We have the comprehensive travel insurance cover you need at a price you can afford. Simply enter your trip details into our website, receive a quote with a summary of policy inclusions and complete your purchase quickly and easily online. If you have any questions about our travel insurance that covers terrorism, contact us today.

Quick Quote




Destination & Type of Cover Complete!

What type of cover are you looking for?

Single trip: Covers trips of up to a total of 365 days in total inc one way travel. Cover for snow sports activities can be included.

Annual multi trip: Covers you for an unlimited number of trips over a 12 month period up to a maximum duration of 31, 45, 62 or 93 days per trip after which you must return to Australia before commencing a new trip. Trips wholly within Australia are insured if they include at least one overnight stay and a minimum distance of 250kms from your place of residence. Each policy includes up to 23 days snow sports cover (on piste). If you are travelling over 93 days, please select a standard, single trip travel insurance quote.

Policy Type

Where are you travelling to?

Please select the region where you are travelling to: The countries covered under each region will appear when you select the region.

Travelling To

How many people should be covered?

Please select whether you are travelling as an individual, with your partner / friend (couple) ; as a family group where one of the children is under 18 years; as a group.


Maximum Trip Length

Travel Dates Complete!

I'd like my cover to start on

Please select the day that you commence your trip. You will be covered for claims that result in you having to cancel your trip before this date and therefore forfeit deposits paid - subject to the policy terms and conditions.

Cover Start Date

Cover Start Date

And it should end on

Please select the date that you plan to return back into Australia or if you are on a one way trip - the date that you will arrive in your final destination.

Cover End Date

Travellers planning to stay in the United States (not Canada) for 365 days or more: Following recent healthcare reforms in the United States we are unable to insure travellers who are planning to be in the United States (not Canada) for 365 days or more.

Cover End Date


Will you be travelling to countries outside of the USA & Canada?

If you plan to visit the USA or Canada more than once during your trip, please calculate the total number of days you will be there. Then enter the date leaving USA or Canada as the total number of days from the date arriving.

For example: You will be in the US from 1st March to 31st March (31 days) and 10th October to 26th October (17 days) = 48 days in total. So you would have a start date of 1st March and an end date of 17th April. Ie 48 days. You will receive your certificate in an email, so simply reply to the email advising the correct dates of travel within USA or Canada and we will endorse the policy accordingly.

Following healthcare reforms in the US we cannot insure travellers who are planning to stay in the USA (not Canada) for 365 days or more.

Date arriving in USA/Canada

Date leaving USA/Canada

Travellers Complete!

In order to obtain the best value, you should include a least one adult in each policy. The maximum number of travellers we can insure under one quote/policy is 50. If you have more than 50 then you should obtain more than one quote but ensuring that there is an adult in each subsequent quote.

Please note that ages are at the date of obtaining the quote, not the date of travel.

Traveller's Age

We can insure travellers up to and including 75 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.


We can insure travellers up to and including 75 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Traveller's Age

We can insure travellers up to and including 75 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 21 to 35 years

Adults 36 to 50 years

Adults 51 to 55 years

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 56 to 60 years

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 61 to 65 years

Adults 66 to 70 years

Adults 71 to 75 years

Children under 21 in a family

Other children under 21 years

For more info see our FAQs and Product Disclosure Statement.