Jason and Jenny Cairns-Lawrence, from Dudley, West Midlands, were in central Mumbai last month when the Indian city came under siege from Islamic militants.
They were also in New York on September 11, 2001, when terrorists flew two passenger planes into the World Trade Centre, bringing down the twin towers and killing almost 3,000 people.
And four years later they were in London on July 7, when terrorists blew up three London Underground trains and a double decker bus, resulting in the deaths of 52 commuters.
Mrs Cairns-Lawrence, 26, said: "It's a strange coincidence. The terror attacks just happened when we were in the cities."
Mr Cairns-Lawrence, 42, said: "I would say that Mumbai sprang back to its feet faster than New York or London.
"New York took almost a week to come back to normal. But Mumbai was back to its usual business from day three. "It was just amazing."