Travel alerts and warnings
Some factors may affect your travel insurance coverage. Your travel insurance cover may be affected by government warnings and advice, or warnings of major events reported in the mass media relating to your destination. Cover may be affected at the time you purchase the policy, not only from the date when you begin your journey.
From time to time, the Australian Government issues warnings and advice recommending that people do not to travel or reconsider visiting particular countries or regions. If travellers choose to go to affected countries, their coverage may be affected for claims arising from the specific risk warned about.
Search for your destination on the Smartraveller website to see any warnings that may affect your cover.
As of 18 March 2020, the Australian Government issued a Level 4 Alert ‘Do Not Travel’, for all countries on the basis that as more countries close their borders or introduce travel restrictions, overseas travel is becoming more complex and difficult. You may not be able to return to Australia when you had planned. Consider whether you have access to health care and support systems if you get sick while overseas. If you decide to return to Australia, do so as soon as possible. Commercial options may become less available.
For example: As of 18 March 2020, all countries have Level 4 Alert ‘Do Not Travel’ warning due to the outbreak of COVID-19. If you ignore the warning, decide to travel and you need to make a claim, then your claim may not be covered, even if it arises from an event unrelated to COVID-19.
Allianz Global Assistance issues travel alerts across our travel insurance portfolio when major events occur around the globe. At times, they may potentially restrict coverage for claims arising from specific events for policies purchased after a set date; this is called the cut-off date. You will find the cut-off date and time in the body of each travel alert. For example: If there’s a travel alert open for the volcanic eruption of Mt. Agung in Bali, with a cut-off date of 1 June 2021 and you purchase a policy on 2 June 2021 and have a subsequent claim for cancelled flights, your claim may be affected. If you claim for a covered unrelated medical expense, it would be unaffected by the travel alert and will be assessed based on the product disclosure statement. Once a travel alert is closed, it no longer affects claims. We regularly review our active travel advisories and issue updates or closures depending on the level of threat. You will know if a travel alert has been closed as the heading will start with the word “Closed”.
Click here to find a list of current and previous travel alerts.