Please Note - If you are cruising around Australia you need to select Pacific.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Seeing the world is one of the most exciting life changing things you can do, however travelling to new destinations and foreign lands certainly comes with it’s fair share of thrills and spills!
If you’re going to traverse the globe it’s a good idea to keep yourself informed about your chosen destination, and the go-to place for all travel advice is Smartraveller.gov.au.
The Goverment's Smartraveller website provides up-to-date advice and travel warnings for all destinations to ensure you stay smart when you’re travelling the world.
A travel warning, travel alert, or travel advisory is an official statement issued by a government agency to provide information about the relative safety of travelling to or visiting one or more specific foreign. They could be anything from a severe weather warning, civil unrest or an act of terror.
Some examples of recent travel safety updates included Ebola breakout in Africa, Zika virus, Sars in China or natural disasters like the Tsunami in Thailand, Earthquake in New Zealand or the Bali ash cloud.
Like every type of insurance there are conditions you need to pay attention to. You may find that travel to particularly risky or unstable regions may invalidate your cover. Especially so if you have not taken appropriate action to avoid, or minimise, any potential claims. The following points explain when you are unlikely to be covered in regards to updated travel warnings issued by the Australian government.
If you are affected by an event and subsequent warning is issued, you’d typically be covered for the following:
In the majority of cases travel insurance covers you for unforeseen natural disasters that affect your holiday. However there are a few insurers where you need to pay attention to their conditions of cover as explained in the table below.
|Insure4Less||Berkshire Hathaway Specialty Insurance Company||
Cover for hurricane, storm or other natural disaster only when it threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
|InsureandGo||Mitsui Sumitomo Insurance Company Limited||
Medical cover due to any natural disaster is automatically covered however for cancellation you must purchase this option as an additional extra.
|GO TO INSURER|
|No Worries Insurance||Chubb Insurance Australia Limited||
Only covers for natural disasters in Australia.
|GO TO INSURER|
|Tick Insurance||Mitsui Sumitomo Insurance Company Limited||
To include unexpected Natural Disaster as a claimable event, you must have purchased this option and the option must be shown on your Policy Schedule.
|GO TO INSURER|
Yes, irrespective of government warnings, you can still buy travel insurance for every country and plenty of the benefits will still apply.
For example, let’s say you were travelling to Thailand during their declaration of martial law in May 2014. While on holiday you were involved in an accident completely unrelated to the warning, and you needed medical evacuation. In this instance you would be covered for any treatment you required, irrespective of the upgraded travel warning.
Alternatively, if you were travelling in Egypt and you knew there are riots in the country. But while visiting the pyramids you accidently dropped your camera, then your policy would cover the cost to replace or fix your camera.
In both these examples, you would still have all the usual benefits of travel insurance, but any claims relating to the warning (that you already knew about) may be invalid.
Remember, if you do not follow the advice from the mass media or any government or official body’s warning against travel to a particular country or parts of a country, you could invalidate your cover.
In a nutshell if you intentionally expose yourself to unnecessary risk you’ll be travelling without protection.
All insurers have different rules when it comes to their policies. If you’re unsure if your destination is covered, or whether it is safe to go there, you should read the policy documentation to understand the insurer’s exclusions or simply give them a call.
We know it’s an exciting world out there, but its far better to live to tell the tale. Think twice before you decide to travel to a particularly dangerous destination. If Smart traveller is advising against all travel – just don’t go there. For those adventure seekers out there - take a look at our tips on how to stay safe when you’re travelling.