Am I covered if I need to cancel my trip because a relative is sick/injured?

If a close relative is suddenly hospitalised or dies from a sudden illness or serious injury, then your travel insurance policy can help if you have to cancel or re-arrange your trip.

A close relative is your spouse/de facto partner, fiancé, fiancée, parent, parent-in-law, daughter, son, adopted or de facto daughter or son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, niece, nephew, grandchild, grandparent, step-parent, step-son, step-daughter or guardian.

What’s covered

If you have to cancel or rearrange your trip, there’s cover for:

  • the non-refundable portion of your travel expenses, including transport, accommodation, tours/experiences, tuition/course fees, travel agency cancellation fees and frequent flyer points.

  • for your reasonable and necessary additional transport and accommodation expenses to return home early to visit your family, including:

    • the costs incurred to change your flights to an earlier date; and

    • the costs of itemised phone calls and internet costs to contact the emergency assistance team, us or your travel provider to rearrange, resume, catch up to or end your original travel plans.

  • costs incurred to re-arrange your travel plans so you can resume your trip after your visit home.

Please be aware, if the hospitalisation or death of your close relative (or a close relative of someone in your travelling party) relates to a pre-existing medical condition, then the coverage may be limited. Read the policy carefully for full details under “How someone else's health may affect your cover.”

How it works

Before you change your plans, you must contact your travel providers to try to minimise your expenses and request any refunds or rescheduling assistance.

You may resume your trip under the same policy up until it’s end date (with pre-approval of trip resumption costs first).

You can make a claim online for your additional expenses. You’ll also need a written medical diagnosis from the attending physician and, if applicable, the death certificate to support your claim.

Also be aware that any claim submitted will have the AUD$100 policy excess applied.

What’s not covered

The policy isn’t designed to cover everything. Take the time to read the terms and conditions in the Product Disclosure Statement for full details, limits to cover and exclusions, particularly the information on Cancellation and Trip Interruption. That way there are no surprises if you need to use it.

Here are the main things that aren’t covered:

  • It’s foreseeable your relative might be hospitalised, sick or injured and you arrange to travel anyway.

  • The cost of a return flight home if you don’t already have one. Why? Because cost of this return flight is considered part of any normal trip cost and therefore it isn’t covered.

  • Expenses incurred at home.

  • Any expenses that you’ve already claimed for cancellation or trip interruption (no double-dipping allowed).

  • Anything else that’s listed in the General Exclusions and specific exclusions in the policy wording.

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