Am I covered if a country has a 'Do Not Travel' status by the Australian Government?
Your policy does NOT provide cover for claims arising from or associated with travel to countries or parts of a country for which:
- A 'Do Not Travel' warning has been released by the Australian Government Department of Foreign Affairs and Trade or any other government or official body, and
- Where you did not take appropriate action to avoid or minimise any potential claim under your policy.
Whether or not any cancellation or other costs you may incur as a result of cancelling or postponing your trip following the issue of a 'Do Not Travel' warning are covered by your policy will depend on a number of factors, including (but not limited to):
- Whether your travel arrangements are or would be affected by the event or circumstance giving rise to the warning, and
- Whether the warning has arisen due to an event that is otherwise excluded from cover under your policy (such as an act of war, disease epidemic, etc).
In deciding what action to take in response to a 'Do Not Travel' warning, you should carefully consider your policy terms, conditions and exclusions in the Product Disclosure Statement (PDS).