Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Are you covered to cancel your trip in the event of a natural disaster? The answer will depend on your choice of insurer.
In recent times natural disasters like volcanic eruptions, hurricanes, tsunamis and earthquakes have hit the widespread media and affected countless travellers around the world. It's certainly not improbable that the weather could turn sour at your trip destination. So would travel insurance cover you to cancel your flights, acccomodation and additional costs in the event that an earthquake or hurricane was to strike at the heart of your holiday plans?
Like every type of insurance there are conditions you need to pay attention to. For instance, while your insurer may cover natural disasters, if you've chosen a 'basic' policy, with no cancellation benefits, you would not be eligible to claim for cancellation.
In the majority of cases Australian travel insurance policies do cover for cancellation in the event of a natural disasters. However there are a few insurers worth paying attention to as the conditions of their cover may vary.
The following table highlights which insurers do and do not automatically cover natural disasters.
|Insurer||Underwriter||Cover for natural disasters||Conditions||Buy Now|
|1Cover||Certain underwriters at LLoyd's||If a natural disaster interrupts your pre-paid travel arrangement, you're covered up to the policy limit for cancellation fees and lost deposits.|
|AIG||Chubb Insurance Australia Limited||You will be covered for reasonable and necessary additional hotel accommodation and transport expenses that are the result of a natural disaster.|
|Budget Direct||Auto & General Services Pty Ltd||If your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of natural disaster or weather, you'll be covered for your reasonable additional travel and accommodation expenses.|
|Columbus Direct||Certain underwriters at LLoyd's||Only covers for natural disasters in Australia that affect your travel.|
|Cover-More||Great Lakes Australia||You're covered for additional accommodation and transportation expenses as a result of natural disasters.|
|Downunder||Certain underwriters at LLoyd's||Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen natural disasters. In addition, you will be covered for your reasonable additional travel and accommodation expenses if a disruption to your trip is from weather or natural disaster.|
|Fast Cover||Hollard Insurance Company Pty Ltd||Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen natural disasters. In addition, you will be covered for your reasonable additional travel and accommodation expenses if a disruption to your trip is from weather or natural disaster.|
|Insure4Less||Certain underwriters at LLoyd's||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.|
|No Worries Insurance||Chubb Insurance Australia Limited||Only covers for natural disasters in Australia.|
|Simply Travel Insurance||Certain underwriters at LLoyd's||Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen natural disasters. In addition, you will be covered for your reasonable additional travel and accommodation expenses if a disruption to your trip is from weather or natural disaster.|
|SCTI||Southern Cross Benefits Limited||$10,000||$40/$2,000|
|Tick||Mitsui Somoto 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.|
|Travel Insurance Direct||Certain underwriters at LLoyd's||You are covered in the event your trip is necessarily and unavoidably cancelled prior to departure or curtailed before completion because of a natural disaster.|
|Virgin Money||Allianz Australia Limited|
|Zoom||Certain underwriters at LLoyd's||Cover if your scheduled or connecting transport is cancelled, delayed, rescheduled or diverted because of a natural disaster.|
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.
Carolina has been working exclusively in the travel insurance industry for over two years. With a customer consultancy background and currently studying law, she is a fine-print wizard who loves helping travellers find a policy that actually works for them. Speaking two languages and having travelled all over the world, Carolina discovered that she is not cut out for working holidays after a stint on her grandparents’ southern Vietnam farm, and is definitely a lounge-by-the-pool kind of lady.