Are Travel Advisories Covered by Travel Insurance?

Travel insurance coverage can be influenced by travel advisories, such as government warnings or media reports about severe weather, civil unrest, or disease outbreaks at your destination. Many policies include a "known events" clause. This means if an event (like a volcanic eruption) is already known when you buy your insurance, you might not be covered for claims related to that event. For instance, if you buy a policy after a travel warning is issued and then need to cancel your flight because of that event, your claim could be affected. However, claims for unrelated medical expenses are usually assessed based on your policy's terms and conditions, regardless of the travel advisory.