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

NSW/VIC/QLD Floods in Australia

NSW, Victoria and Queensland authorities have issued flood alerts for residents on the 19th March 2021. Some roads and regions have been affected and you may find it difficult to access certain areas within impacted states.

This is considered a known event as of 12:00pm (AEDT) on 19th March 2021.

Am I still covered for claims related to this event?

Important note: any claim not related to the floods within NSW/VIC/QLD is considered coverable whilst meeting conditions of our policy, regardless of whether you purchased the natural disaster cover add-on.

• If you bought your policy before 12:00pm (AEDT) on 19th March 2021, you are covered for any claims that are related to this event, as long as you bought the natural disaster cover add-on.

• If you bought your policy after 12:00pm (AEDT) on 19th March 2021, you will not be covered for any claims that are related to this event, even if you bought the natural disaster cover add-on.
• With the exception of any claim not related to circumstances around the NSW/VIC/QLD floods, you will not be covered for any claims related to this event if you did not buy the natural disaster cover add-on, regardless of when you bought your policy