Am I covered by travel insurance if there's a travel warning in place where I'm going?

Your policy can cover you wherever you choose to travel, however cover may be limited if you decide to travel to a country or region where the following specific events are occurring;

a war, invasion, acts of a foreign enemy, hostilities (whether war has been declared or not), civil war, terrorist acts, rebellion, revolution, insurrection, civil commotion, military or usurped power, martial law, riots or the acts of any lawfully constituted authority, or army, naval or air service operations (whether war has been declared or not),
nuclear reactions or radioactive fallout
epidemics which have been placed under the direction of the public authorities

How it works:

Policy Benefit	Policy Conditions
Emergency Medical cover and Medical Evacuation/Repatriation	No cover for any medical claims directly related to any of the above specific events. If a medical situation occurs that is proven to be completely unrelated to any of the specific events listed above, cover applies as normal.
Compassionate Emergency Evacuation, Home Visit, Baggage and Personal effects, Delayed Baggage, Personal Liability, Rental Vehicle Insurance Excess	Cover as per policy limits no matter what the travel warning or specific events occurring within a region or country
Non-Medical Evacuation	Cover for reasonable transportation to the nearest safe destination or home if, AFTER you have travelled to the area, there is a sudden outbreak of war, civil commotion, civil war, terrorist acts, martial law, revolution or other similar situations in the region where you are staying and evacuation is recommended. Must be pre-approved by insurer.
Pre- trip cancellation or postponement or for Trip Interruption or termination expenses	No cover for Cancellation / Trip Interruption when due to a change of mind, disinclination to travel, changed conditions at the destination, natural disaster, acts of terrorism, war, nuclear disaster or similar situations.

The following websites will give you more information on the status of a country or region:

Royal Danish Ministry of Foreign Affairs: http://www.um.dk/ Tel: +45 33 92 00 00

British Foreign and Commonwealth Office: www.gov.uk/foreign-travel-advice Tel: +44 (0) 20 7008 1500

What's not covered

Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the policy wording for full details on what’s not covered.

There’s no cover for any expenses incurred related to the following:

Trip Interruption : NOT covered only if related to the specific events occurring as mentioned above, otherwise covered as normal. of course if medical issues are directly related to the circumstances (war, etc.), then this will not be covered at all.
Travel Delay: NOT covered only if there was knowledge of circumstances likely to result in the delay at the time the tickets were purchased (Section 17.3 b), otherwise cover as normal
Missed flight Connection: NOT covered only if there was knowledge of circumstances likely to result in the missed connection at the time the tickets were purchased (Section 17.3 b), otherwise cover as normal
Accidental death, loss of a limb, loss of sight, loss of extremity, or permanent total disablement Cover as normal when not directly related to war, terrorism etc.

Last updated: Aug 24, 2022 04:37 AM

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