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.
Tsunamis, not something you want to worry about on your holiday. But unfortunately, natural disasters can happen anywhere, to anyone, at any time.
Tsunamis are essentially large waves created by a disruption on the ocean floor. They occur most commonly due to natural disasters like undersea earthquakes and volcanic eruptions with devastating effects. The first point of damage is usually caused by a large tidal waves which leave an aftermath of flooding for weeks to come.
The purpose of travel insurance is to cover you should the unthinkable occur, and covering natural disasters is exactly the type of thing that it does. If you were injured, stuck overseas or could not travel due to a tsunami, generally speaking you’d be covered.
The following table highlights who does and doesn’t cover natural disasters. Conditions apply.
|Insurer||Underwriter||Cover for natural disasters||Conditions||Buy Now|
|1Cover||Certain underwriters at Lloyd's||If a natural disaster interrupts your pre-paid travel, you're covered for cancellation fees and lost deposits, up to the insured limit.|
|AIG||Chubb Insurance Australia Limited||Covered for reasonable and necessary additional 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 due to unforeseen natural disasters. Plus travel & accommodation disruption expenses from bad weather or natural disaster.|
|Fast Cover||Hollard Insurance Company Pty Ltd||Cover for cancellation fees and lost deposits for pre-paid travel due to unforeseen natural disasters. Plus travel & accommodation disruption expenses from bad 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 an extra natural disaster cover.|
|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 due to unforeseen natural disasters. Plus travel & accommodation disruption expenses from bad weather or natural disaster.|
|Tick||Mitsui Somoto Insurance Company Limited||Medical cover due to any natural disaster is automatically covered however for cancellation you must purchase an extra natural disaster cover.|
|Travel Insurance Direct||Certain underwriters at Lloyd's||Covered in the event your trip is unavoidably cancelled prior to departure or curtailed before completion because of a natural disaster.|
|Travel Insurance Saver||Pacific International Insurance Pty Ltd||If a natural disaster interrupts your pre-paid travel arrangement, you may be covered up to the chosen policy limit for cancellation fees and lost deposits. Consider the PDS and TMD from TIS and if the policy is right for you.|
|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.
If the tsunami was not a known event when you bought your policy you would be covered for:
No matter how experienced or conscientious a traveller you are, an unpredictable event can turn your holiday upside-down. Making sure you’ve got travel insurance and understanding any significant exclusions can be the first step in managing a natural disaster.
Originally from the UK, Hayley took a gap ‘year’ in 2011… and it’s still going! She’s travelled all over the world, volunteering in a Ugandan orphanage, skydiving in Australia, shark diving in South Africa, and skiing in the Alps (and snapping in a ligament in the process!). Certified in Tier 2 General Insurance General Advice and working in travel insurance for over two years, Hayley is a thrillseeker and a storyteller who loves hearing about customers’ holiday plans and sharing her own tips and must-see spots to help get them inspired.