SafariSmiths

Most travelers don’t read the war exclusion clause in their travel insurance policy until they need it. Right now, that clause matters more than it has in years. Nearly every standard policy contains language that limits or excludes coverage for losses arising from an act of war. Whether it applies to your situation depends on your specific policy wording, when you purchased it, and the exact nature of any disruption you experience.

The details live in the definitions section — not the summary page most of us read at purchase. If you have an upcoming international journey and any part of your routing touches the Gulf, it’s worth making a call to your insurer and asking the direct question: Does this conflict affect my coverage? Full breakdown on the blog this week.