Am I covered if a natural disaster such as a hurricane or volcanic eruption, occurs during my trip?
You may be eligible for cover under your Fast Cover travel insurance policy if your trip is disrupted or cancelled due to an unexpected natural disaster, depending on the type of policy you hold, your specific circumstances and the type of expenses you are seeking.
Cover may be available under the following benefits:
- Trip Cancellation Expenses benefit – This benefit reimburses you for your non-refundable pre-paid trip bookings such as flights, accommodation or tours as a result of unexpected natural disaster.
- Trip Disruption Expenses benefit – This benefit reimburses you for reasonable additional travel and accommodation expenses which you incur whilst you are still on your trip if your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a natural disaster. The event must have begun after we issued the Certificate of insurance.
The following policies include cover for Trip Disruption Expenses benefit and Trip Cancellation Expenses benefit caused by a natural disaster:
- Comprehensive
- Snow Sports Plus
- Frequent Traveller Saver
- Standard Saver
- Domestic Plus
The Basics Policy does not include cover for cancellation for Trip Cancellation Expenses benefit and Trip Disruption Expenses benefit.
Generally, the natural disaster must have occurred after the issue date of your Certificate of insurance, not expected, and you must have followed advice in the mass media or any government or other official body’s warning.
Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
Any advice is general advice only and does not take into account your individual objectives, financial situation, or needs. Please consider the PDS before making any decisions regarding the purchase of travel insurance.
As each individual’s circumstances are different, we will assess each claim on a case-by-case basis in accordance with your specific circumstances, policy terms, conditions, exclusions and Certificate of Insurance.