If you’re on your trip and your destination has been declared a Do Not Travel area, then you need to decide whether to continue to that destination or not. A Do Not Travel warning is issued following very careful consideration by the respective government, and travelling against such warnings will affect any cover that may be available under your policy.
If you decide to cancel and return home you should:
- Speak to your airline or travel operator to see if they can help rearrange your flights. Airlines are working to help many of their travellers get home or where they need to be, as flights are cancelled and travel bans imposed.
- Many governments including Australia, New Zealand, UK and Ireland have placed Do Not Travel warnings on many, and in some cases all destinations and we expect to see more in the coming weeks. We recommend you check your government’s travel advisory website. In addition, there may be Do Not Travel warnings to certain regions. While there are many bans and restrictions being imposed between countries, most are allowing their own citizens to come home, although you may be subject to quarantine measures when you arrive home.
- If you’re trying to travel to another destination, check that there are no bans in place before you make any travel bookings.
- This is a rapidly changing situation and governments may change their travel advice and warnings at a moment’s notice. Make sure you stay informed about what is happening and follow local authorities’ advice and directions.
Can I claim my additional expenses?
Whether or not your additional expenses are covered under your policy depends on the plan you purchased, when you bought your policy or extended it, and when you made your bookings. As advised in our prior travel alerts we will not provide you with cover for any loss or event related to the coronavirus (COVID-19), all Do Not Travel bans or government restrictions or recommendations. Please consider your PDS or policy wording for full details of what events are insured under your travel insurance policy before you choose to stay where you are as this decision may also affect or limit cover for insured events to the extent your loss is exacerbated by them. You can continue to submit a claim as per the terms and conditions of your policy. We recommend you keep your receipts to support any claim you make, and try to minimise your expenses as much as possible.
Please note, as there’s a lot of concern over coronavirus (COVID-19), we are experiencing high volumes of inquiries, so if you have any claims-related questions it’s best to contact us and we’ll get back to you as soon as we can.
If it’s urgent please contact us.
If you decide to go anyway:
Many of our policies have General Exclusions around travel to destinations with government warnings. You’ll need to check your policy and your home country’s government travel warnings (or the warning of the government department noted in your policy, if different to your home country) to better understand how these may affect you and your travel insurance cover in these regions.
If your policy has an exclusion for travel to a country or region where the government has issued a Do Not Travel warning, and you choose to travel, there may be no cover available under any section of your policy depending on the country.Published 6 May 2020