On the night of July 14, there was a terrorist attack in Nice, France. This has been France’s third terrorist attack within the past 18 months. For many young people and families, it’s their dream to go to Europe for summer vacation and have been planning on it for so long! But because of the recent news, now they’re hesitant on whether they should go or cancel their trip!

Travel insurance is a must when applying for a Schengen visa in Europe. When buying insurance, they always recommend adding insurance onto your package. But do you understand what’s being given to you? Did you buy the right travel insurance? Does your travel insurance cover terrorist attacks? If you want to cancel the trip, travel insurance might be able to cover the cancellation, getting you all the money you paid back. Are there different plans that cover more medical expenses?

To ensure safety and a comfortable traveling experience, travel insurance includes casualty, accidental medical treatment, sudden illness overseas, emergency relief, tourism inconvenience, accidental death of funeral expenses, transportation of the remains back to the country, emergency evacuation, etc. When purchasing travel insurance abroad, what should you pay attention to?


1) From small issues to big disasters, we’re here to make sure you feel safe!

Reliable travel insurance should provide coverage for any small changes you might make to your itinerary, baggage loss, sudden illness, emergency assistance, accidental death, emergency reunion, return of minors, and emergency evacuation during a terrorist attack. You need to choose wisely based on your needs and travel destination.

“Ahh I don’t want to see the doctor… it’s so expensive!” A lot of people who travel to the U.S. for vacation or to visit family or friends are afraid to see the doctor if they get sick because they’re afraid of the high medical expenses. If you buy visitor’s insurance when coming to the U.S., then certain forms of emergency that occur in the U.S. are covered and you won’t have to worry about not being able to afford it. Some plans include the emergency medical care for immigrants, and in this situation, the insurance company will be able to send the patient back to their place of residence for treatment.

Did you not know about something and accidentally break the law abroad? Aside from medical care, travel insurance can help with that! To elaborate, KCAL Insurance provides you with a selection of the USI Travel Insurance Plans that provide the local legal advice you need if required. The plan can also help cover the medical costs of transferring you back to your origin of citizenship or other safety areas if any riots were to occur.

2) Exclusions—is terrorism covered in your insurance?

Are you a thrill-seeker? With some of the more adventurous activities such as scuba diving, skydiving, skiing, surfing, rock climbing, paragliding, bungee jumping, etc., they are considered exclusions so you will need to pay additional insurance. This means that if you get injured when you participate in these activities, travel insurance will not cover these medical expenses. So if you enjoy these activities, make sure you consider buying additional insurance that covers these injuries!

In regards to terrorist attacks, every insurance company’s plan is different. Some companies do not cover damages caused by terrorist attacks, while some cover medical expenses up to $50,000. Some cover the costs of sending one family or friend to the local area or even emergency medical evacuation and returning a person to their origin of citizenship. When choosing the right travel insurance, make sure you are looking at what they do cover as well as what they don’t cover!

3) Price—travel insurance is much cheaper than you think!

When compared to the price of the airplane ticket, the price of travel insurance is very cheap! If you are in your 20s, the lowest you would pay would be $1.20 a day. Of course, that depends on your age and the security of the plan, but in general it is still pretty cheap. The application process is simple—all you have to do is apply online!

Before you confirm your trip, you can go to our KCAL Insurance website, and based on your travel plans and destination, directly choose and purchase a travel insurance plan and it will be effective the next day!  After your purchase, the insurance card and the plan benefits will be sent to your e-mail. All you have to do is print it and bring it with you!

Every insurance company’s travel insurance and coverage benefits are different. If you have any questions about terrorist attack coverage, cancellation fees, or more, then the best thing to do is to contact your insurance company and talk to an insurance agent! Safe travels!