Am I covered for travel to my destination country if the Australian Government's Department of Foreign Affairs and Trade (DFAT) has issued a ‘Do Not Travel’ overall advice level?

No. There is no cover for travel to any country with a ‘Do Not Travel’ overall advice level that is issued before you commence your trip. You should monitor Smartraveller for current overall advice level and any updates for your destination country.

If DFAT issues a travel advisory risk rating of ‘Do Not Travel’ after you have commenced your trip, the cover, to the extent it is provided under the policy will remain in place. However, we will not pay any claims under any circumstance if You do not act in a responsible way to protect yourself and your property. 

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).