555 Bro Aries, I think you have to check with a Lawyer with expertise with international law and insurance law. Most insurance agents do not know their own products well enough.
I have the same plan as yours as well, but note the exclusions in the super long list of fine print in their website. Anything to do with "military" means NO CLAIM. E.g. be it injured in scuffle with civilian or military guys, or being hit by a bullet (civilian or military), etc. Martial Law is "military"
This is the reason why when HK SAR issues "black" warning to her residents, HKers numbers to Thailand dives because they know insurance does not cover anymore. Having said that, note also that Travel Advisory from Ministry of FA and Travel Insurance exclusion clauses and details are 2 different issues.
Basically, you can assume no coverage unless you can prove the your injury, etc. is NOT as a result, directly or indirectly, from Martial Law.
Cheers and be safe.
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Originally Posted by aries3288
I have a AIG Travel Guard annual plan ....definition on "war" which was not very clear, it mentioned military control of a country.
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