Customer service calls about travel to the United Arab Emirates have spiked 18 times since the U.S.-Iran war began Feb. 28, according to travel insurance comparison site Squaremouth.
Squaremouth noted that while the conflict is regional flight disruptions are affecting major international routes through Dubai and Doha, Qatar.
For instance, Squaremouth helped a traveler in the Maldives whose layover in Dubai was canceled. She was unsure what her insurance policy would cover.
"Travelers aren't just worried about cancellations, they're asking detailed questions about what benefits may apply," said Chrissy Valdez, Squaremouth's senior director of operations. "Many travelers want to know if this situation qualifies as an act of war or terrorism under their coverage, if they'll be reimbursed for purchasing a new ticket with a different airline or whether extended hotel stays will be covered."
While insurance exclusions for acts of war or military actions apply to trip cancellation and interruption coverage, Squaremouth said the "domino effect from military action," like missed connections or flight delays, could still be covered under standard travel delay benefits.
Medical benefits still apply to travelers who get sick or injured abroad.
The most flexible policies are those that include add-ons like cancel for any reason or interruption for any reason.