Date published: 24/06/2025
Due to the ongoing conflict in the Middle East, further impacts to travel, including delays, rerouting and cancellation remain likely.
If you’re travelling, or are about to travel
If you have been directly impacted by this event, we strongly advise you to please call our 24-hour emergency assistance team immediately on +61 2 9333 3999. We further urge you to follow the guidance and instructions provided by local authorities, emergency services, and the DFAT Smartraveller website.
Please be aware that if you choose to travel to, or remain, in a destination that is subject to a Do Not Travel warning, you may not have cover under your policy, and our ability to offer assistance may be limited.
If you are yet to buy a policy, please be aware that our policies contain exclusions for known events, acts of war or the use of military force.
This means that if your flight is delayed, cancelled or rerouted due to the conflict, there may not be cover available under the policy.
Our policies do not cover claims arising from travelling in, to, from, or through a country or area subject to a Do Not Travel warning by the Australian Government through Smartraveller.
Please read carefully the full terms and conditions of any travel insurance policy before purchasing, as set out in the applicable Product Disclosure Statement (PDS).
If your travel plans are affected
If you need to change your travel arrangements, contact your airline, cruise company or travel agent for assistance in the first instance. Please retain all supporting documentation evidencing expenses incurred. Please remember, under the terms of your policy, you are required to take reasonable steps to avoid or minimise any loss.
If you have purchased a policy with us, you can make a claim at any time. If you need to submit a claim, please complete a claim on our claims portal and if you need help doing this, please contact us. All claims are assessed on a case by case basis under the terms and conditions of the PDS.
18 June 2025:
Mount Lewotobi – Laki Laki: volcanic activity continues with its latest eruption 17 June 2025 causing ash plumes to reach heights of 10km in the atmosphere causing flight cancellations and delays. See below for previous alerts.
Original date published: 13/11/2024
This travel alert has been in effect since November 2024 and still applies to the new eruption on 21 March 2025.
Indonesia’s Mount Lewotobi Laki-Laki continues to erupt, with increased activity this week resulting in ash plumes reaching 5.5 km in height.
Some travellers have been affected with some flight cancellations due to the ash cloud, and there have been some fatalities and injuries in the immediate vicinity of the volcano.
If you have been directly affected by this event and need medical assistance, please call our 24-hour emergency assistance team immediately on +61 2 9333 3999. We further urge you to pay close attention to the local media and emergency services, including the DFAT Smart Traveller website.
You can make a claim at any time once your policy has commenced and we will assess it as per the PDS’s terms and conditions. Please read carefully the full terms and conditions of any travel insurance policy before purchasing.
If you need to change your travel arrangements, contact your airline, cruise company or travel agent for assistance in the first instance. Please retain all supporting documentation evidencing expenses incurred. Please remember as a term of your policy you must do everything you can to minimise losses.
If you need to submit a claim, please complete a claim on our claims portal and if you need help doing this, contact us.
If you have any other queries, please get in touch.
Date published: 18/06/2025
Following military strikes in Iran, Smartraveller have raised their level of advice and now advise, do not travel to Israel and the Occupied Palestinian Territories due to the volatile security situation, armed conflict, civil unrest and terrorism.
If you’re travelling, or are about to travel
If you have been directly impacted by this event, we strongly advise you to please call our 24-hour emergency assistance team immediately on +61 2 9333 3999. We further urge you to follow the guidance and instructions provided by local authorities and emergency services, the DFAT Smartraveller website.
Our policies do not cover claims arising from travelling in, to, from, or through a country or area subject to a Do Not Travel warning by the Australian Government through Smartraveller.
Our policies contain exclusions for use of military force that may exclude cover for this event.
Please read carefully the full terms and conditions of any travel insurance policy before purchasing.
If your travel plans are affected
If you need to change your travel arrangements, contact your airline, cruise company or travel agent for assistance in the first instance. Please retain all supporting documentation evidencing expenses incurred. Please remember, under the terms of your policy, you are required to take reasonable steps to avoid or minimise any loss.
If you have purchased a policy with us, you can make a claim at any time. If you need to submit a claim, please complete a claim on our claims portal and if you need help doing this, please contact us. All claims are assessed on a case-by-case basis under the terms and conditions of the Product Disclosure Statement.
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Applies per person, per event, per claim.
You can choose the excess you want ($100, $200, $0), but be aware that this will change the price of your initial premium. Our standard excess amount is $100, but you can decide to remove or double this amount through the purchase process.
Under the Insure&Go Silver and Gold levels of cover, we will reimburse the cost of your necessary additional meals and accommodation expenses if, during a trip, any individual leg of your trip is delayed for more than 12 hours.
The amount you can claim varies depending on the level of cover that you have purchased with us.
Please refer to the policy wording documents for full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply.
Purchasing earlier won’t cost you any more money, as you will only pay for the travel period covered by your policy. The sooner you purchase, the longer you can take advantage of cancellation cover if it’s included as a part of your cover. This can help you recover prepaid travel costs should you need to cancel your trip for covered reasons before you begin your journey.
Your prepaid travel costs, such as flights, accommodation, and tours, are covered if you cancel your trip due to employment redundancy, a natural disaster, pregnancy-related situations, or the injury, illness, serious damage to your home in Australia, or the death of someone in your travelling party or a relative based in Australia.
When purchasing with Insure&Go, you will have the option to choose between three different levels of cover: Bare Essentials, Silver, and Gold.
Bare Essentials is the most basic level of cover, which includes essential coverage such as medical expenses, personal liability, emergency expenses, and baggage cover.
Silver includes all of this but covers you for a lot more, including trip cancellation, travel delay expenses, and more.
Gold Policies cover everything in the Bare Essentials and Silver levels, though it insures you at a higher cash value, and additionally includes cover for special events, hijacking, pet care, and journey resumption. All pre-existing medical conditions are considered for all three levels of cover.
If you opt for an annual policy^(not currently available) over a single trip policy^, you will be covered for unlimited international trips over a 12-month period.
Annual policies include unlimited overseas medical expenses, unlimited cancellation cover, and baggage covered up to $15,000 on Gold Policies.
To customise your policy, there are several additional upgrades available that offer coverage for winter sports, adventure sports, golf, business equipment, and natural disasters.
Insure&Go offers one of the most comprehensive policies when it comes to pregnancy travel insurance, covering you up to and including your 30th week if you are expecting a single child or up until your 24th week if expecting multiple babies.
Read the Product Disclosure Statement for more information.
A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication in the last five years.
Our policies cover many pre-existing conditions; to see if we cover yours, please complete our medical assessment online or over the phone.
Please note that failing to declare a pre-existing condition can void your policy.
The important reason for purchasing a policy is to gain coverage for overseas medical expenses, which can prove to be extremely expensive in many countries should you require it.
The Australian Government or Medicare won’t be able to help you with overseas medical expenses, and although Australia has a number of reciprocal healthcare agreements with other nations, this will not provide financial assistance for the transportation of very ill patients back to Australia to receive treatment.
Some countries might ask you for a copy of your insurance policies before granting a tourist visa. Check Smart Traveller to understand which countries will ask you to purchase a policy before applying for a visa.
Despite not providing medical coverage within Australia, Domestic Travel Insurance is important for providing you with coverage for situations such as trip cancellation, lost or stolen luggage and personal belongings, trips disrupted by natural disasters, and more.
Read the Product Disclosure Statement for more information.
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