Russia- Ukraine Military Conflict including Belarus area.

The Australian authorities issued a Level 4: Do Not Travel advisory for Russia, Ukraine and Belarus due to the ongoing conflict and the continued threats of war.

• Russia on the 28^th February 2022 citing “Do not travel to Russia due to the security environment and military conflict with Ukraine”.
• Ukraine on the 27^th February 2022 citing ” Military action is underway in Ukraine”.
• Belarus on the 24^th February 2022 citing ” Military action is underway in Ukraine”.

Does our Policy give Coverage?

General Exclusion 11 and 13 applies under all policies and unfortunately there is no provision for any claim related to this event. For full details you should refer to the Product Disclosure Statement and Certificate of Insurance you received when you purchased your travel insurance.

We refer you to “GENERAL EXCLUSIONS” under ‘General exclusions apply to all sections of this policy.”

What you are not covered for

11. Any claim arising out of war, civil war, invasion, insurrection, revolution, use of or threatened use of military power, usurpation of government or military power.
12. Any claim resulting from you travelling in, to, from or through a country or area included on the list of countries not recommended by the Australian Government through the Department of Foreign Affairs and Trade – http://www.smartraveller.gov.au or those countries subject to an embargo from the UN Security Council or from any other international organization to which Australia belongs, as well as events occurring in any international conflicts or interventions involving the use of force or coercion.

If You Are Currently Travelling:

Please consider your safety first, follow advice from local authorities and the advice issued by the Department of Foreign Affairs and Trade (DFAT) via its website (https://www.smartraveller.gov.au/destinations/europe/ukraine).

If you have been injured as a result of the military conflict and need medical advice or emergency medical assistance please contact Department of Foreign Affairs and Trade (DFAT). You can also contact our 24-hour Emergency Assistance team, your case will be reviewed on a case by case basis to assess the level of assistance we can offer in the region.

For Travel Arrangements Claims including Cancellation, Curtailment or Emergency Expenses:

• If you are looking to change your travel arrangements we recommend you contact your travel agent or travel provider regarding the best option in altering your trip. Some travel providers may provide penalty free options to amend travel arrangements, contact them directly for details.
• If you have any other queries about your policy benefits please contact our InsureandGo Assistance and Claims Line on +61 2 9333 3902 where we can help you with any inquiry.

Queensland Floods in Australia February 2022

Eruption and Tsunamis from Hunga Tonga Hunga-Ha’apai volcano, Tonga affecting the Pacific Islands, Australia and New Zealand

Are you currently affected by the eruption and tsunamis from Hunga Tonga Hunga-Ha’apai volcano? If so, read below to learn more about how this natural disaster can affect your travels and coverage.

• If you purchased your policy after 9:00pm (AEDT) on 15th January 2021: you are not covered for claims arising from this event, even if you purchased natural disaster cover as an add-on to your policy.
• If you purchased your policy before 9:00pm (AEDT) on 15th January 2021: Subject to the terms, conditions, limits, and exclusions contained in your Product Disclosure Statement (the “PDS”) and our assessment of your claim, there may be provision to claim for this event, provided that you purchased natural disaster cover as an add on to your policy.

Important note about medical coverage

Please note: medical expenses incurred due to natural disasters are automatically covered in all international policies, without having to purchase the natural disaster cover option.

Eruption on Mount Semeru

If you’re currently affected by the volcanic eruption on Mount Semeru in Indonesia, then please read these FAQs – if after reading you’re still unsure about your situation, please get in touch.

The eruption on Mount Semeru is considered and known event as of 9:00pm (AEDT) on 4th December 2021.

Am I covered for the eruption on Mount Semeru?

• If you purchased your policy after 9:00pm (AEDT) on 4th December 2021 you are not covered for claims arising from this event, even if you purchased natural disaster cover as an add on to your policy.
• If you purchased your policy before 9:00pm (AEDT) on 4th December 2021 you are covered for claims arising from this event, provided that you purchased natural disaster cover as an add on to your policy.

Please note: medical expenses incurred due to natural disasters are automatically covered in all international policies, without having to purchase the natural disaster cover option.

Covid-19 Omicron Variant

Please note if you choose to travel to a country whilst the Level 4 advice is in place there are no provisions to claim under your policy for any section.

If you planned to travel to those countries, we advise you to contact your airline, accommodation and tour providers immediately to assess your cancellation or rescheduling entitlements. Many airlines and accommodation providers have reacted to the Coronavirus outbreak by amending their cancellation policies for travellers.

On top of this, please pay close attention to the local media and emergency services, including the World Health Organisation (WHO).

InsureandGo policies generally exclude cover arising from or relating to COVID-19, however if you purchased after the 15th November 2021 limited coverage for Covid-19 is available in the specific event that:

• you are diagnosed with COVID-19 after you purchase this policy,
• your travelling companion is diagnosed with COVID-19 after you purchase this policy,
• your close relative is diagnosed with COVID-19 after you purchase the policy.

All other claims arising from or related to COVID-19 such as; government travel bans, “Do not travel” warnings; government directed border closures; or mandatory quarantines or self-isolation requirements related to cross border, region or territory travel remain excluded.

For more information about travel insurance and Pandemic Coverage, check this article published by Choice: https://www.choice.com.au/travel/money/travel-insurance/articles/travel-insurance-pandemic