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Is travel insurance worth it now during the Iran conflict?

Quick answer: Absolutely. Travel insurance is more important than ever with flight cancellations, rerouted airlines, and geopolitical uncertainty. Make sure your policy covers 'war and terrorism' and check what's excluded.

Last updated: 2026-03-12

Why Travel Insurance Matters More Right Now

The Iran conflict has created unprecedented travel disruption:

  • 21,000+ flights cancelled across Middle Eastern hubs (Flightradar24 data)
  • Airlines are cancelling and rescheduling routes on short notice
  • Airspace closures can change without warning
  • Stranded travellers face unexpected hotel, food, and rebooking costs

What to Look for in a Policy

Essential coverage during the conflict:

  • Trip cancellation/interruption for geopolitical events
  • Travel delay coverage (hotel, meals during delays)
  • Emergency evacuation — critical for travel near conflict zones
  • Medical coverage abroad — always important, especially now

Red flags to watch for:

  • Many standard policies exclude war, terrorism, or “acts of foreign enemies”
  • Some policies won’t cover cancellations for known events — if you buy insurance after the war started, conflict-related claims may be denied
  • Check the policy’s definition of “covered reasons” carefully

Key Considerations by Region

Travelling to Europe: Lower risk but flight rerouting and delays are common. Standard policies should cover most issues.

Travelling near the Middle East: Many insurers are adding exclusions for the region. Check specifically.

Connecting through Middle East hubs (Dubai, Doha): These connections are high-risk for cancellation. Ensure your policy covers missed connections.

What to Do Right Now

  1. Review existing policies for war/terrorism exclusions
  2. Buy “Cancel for Any Reason” (CFAR) coverage if available — it’s more expensive but covers situations standard policies don’t
  3. Keep all receipts for expenses incurred due to disruptions
  4. Document everything — screenshots of cancellation notices, airline communications, and delay notifications
  5. File claims promptly — don’t wait until after your trip

For Business Travellers

  • Check if your corporate travel policy covers conflict-related disruptions
  • Many companies are restricting travel to the Middle East region
  • Business travel insurance policies often have broader coverage than personal policies

Sources: CNBC, travel insurance industry guidance, International Air Transport Association (IATA)

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Related Questions

Are flights to the Middle East cancelled?

Yes, over 21,000 flights have been cancelled across major Middle Eastern hubs since Feb 28. Dubai, Doha, Abu Dhabi, and other airports have faced closures and massive disruptions.

Can I still take my summer vacation? Is it safe to fly?

Domestic US travel remains safe. International flights are being rerouted but are operating. Airfares are rising. Avoid the Middle East and some parts of Asia.

Will airfares go up because of the Iran war?

Yes, airfares are rising globally due to higher jet fuel costs and rerouted flights. Longer flight paths mean more fuel, more crew hours, and fewer available seats on popular routes.