Am I covered if an airline, cruise line, bus line or rail authority refuses me boarding?

If you have purchased the Optional COVID-19 Pack:

During your trip, there is cover up to $200 per day up to a maximum of 15 days for the reasonable additional accommodation and travel expenses you incur, until you are able to continue your trip at the earliest possible time.
If you do NOT have the Optional COVID-19 Pack:
There is no cover for the refusal by an airline, cruise line, bus line or rail authority for you to board. You should seek a change of travel dates, credit or refund from the airline, cruise line, bus line or rail authority who refused your boarding. 
There is no cover for any claims directly or indirectly related to COVID-19 if you do not have the  Optional COVID-19 Pack.
Cover is subject to the policy terms, conditions, limits and exclusions in the  Product Disclosure Statement (PDS) and the  Optional COVID-19 Pack Document.

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