Natural disasters are an inevitable fact of life and although InsureandGo cannot prevent them, we can make sure you are covered in the unfortunate event that one should occur before or during your holidays.
Natural disasters can occur with little or no warning and their impacts on your travel plans as well as your health could end up costing you dearly should you find yourself without quality travel insurance for natural disasters. They are just one more reason why travel insurance is so important.
Protect yourself from natural disasters such as floods, earthquakes, tsunamis, landslides, volcanic eruptions, atypical cyclonic storms, and other extraordinary natural phenomenon. Having quality travel insurance with natural disaster coverage means you could recover some of the costs associated with your travels such as cancelling your trip, cutting your trip short, or emergency medical expenses due to the occurrence of a natural disaster.
The most important thing when it comes to natural disaster travel insurance is to make sure you have your policy in place before the natural disaster occurs. Once a natural disaster event has taken place it will be too late for you to take out coverage.
To make a claim due to a natural disaster, you must have purchased InsureandGo’s Natural Disaster policy upgrade option and the option must be shown on your policy schedule.
InsureandGo makes it easy to obtain travel insurance quotes where you can compare our three different levels of cover. You can organise coverage for trip cancellation or having to cut your trip short if a natural disaster occurs and you have purchased the right level of cover with natural disaster add-on included.
Depending on your level of cover, you may also be covered for additional emergency expenses. These are expenses you incur after departure that are over and above what you had originally budgeted to pay if your trip is disrupted or you are required to return to your home in Australia because of a natural disaster. These expenses can include things such as accommodation, meals, and travelling costs.
Note that medical cover due to any natural disaster is automatically included in all international policies without purchasing this policy upgrade.
For natural disasters which were unknown at the time of purchase and where you have taken out the natural disaster coverage upgrade option, InsureandGo will provide the following coverage:
Should you have any questions in regards to what natural disasters are covered or any other travel insurance related queries, you can read our Product Disclosure Statements or contact one of our helpful and knowledgeable staff that will be happy to assist you
Yes, we offer cover for additional emergency expenses you may incur as a result of a natural disaster provided you pay an additional fee to be covered. This additional fee to be covered for these events is applicable under all levels of cover and the amount you can claim varies depending on the level of cover you choose. Please note that if you do not pay this fee you will not be covered for natural disaster. This optional add on can be selected at the end of quotation just before making a payment online or if doing it over the phone our agent will ask you if you wish to add it onto your policy. Whilst you may not be covered for natural disaster if you fail to add on the optional add on, you will still be covered for medical expenses incurred as a result of a natural disaster.
You get unlimited medical cover automatically, however you are not covered for cancellations/cutting your trip short/emergency expenses or missed cruise departure unless you purchase our add-on coverage natural disasters.
You are only covered for disasters unforeseen to the public at the time of purchase. If there is an known natural disasters, you will see this displayed within the optional add-on in the last step of the journey. However, you are covered for medical expenses, regardless, due to a natural disaster, as long as medically necessary and emergency.
Cancellation cover starts the date of purchase on silver and gold.
Cancellation is covered if the insured cannot travel due to medical reasons, death of a relative, unknown natural disaster, serious damage to home in Australia and so on. In any such event, the insured can cancel and claim for the pre-booked expenses lost on the trip.
You need to be in Australia at the time of purchasing your insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.
Natural disasters can occur anywhere at any time, so it is essential to be prepared. Just this year several large hurricanes have hit the United States, floods have ravaged Europe including the Czech Republic and Greece, and earthquakes have rattled the Middle East, South Korea, and Mexico.
Here are some tips when it comes to natural disasters and travel: