I am struggling with Insurance company ‘double speak’ to be honest. They will not pay for cancellation unless ‘do not travel’ is on the Fed website and we all know that will never happen - too many conflicting trade interests.
I think what they are telling you, is that a Govt do not go Travel alert, is classed as an event beyond your control, and is the only way that they will cover you for cancellation prior to travel date (outside of medical et al)
It all makes sense to me, I don't think we need to ring the insurance company to know this. The Govt wont issue a do not travel alert anyway, because Bali will still be safe place to visit even if Agung erupts. All the predictions so far are that its only going to be a disaster within the 12 km exclusion zone
Our only options to make insurance claims is if an event occurs out of our control, which is really limited to the airlines cancel our flights. Based on what happened 2 years ago, that's going to be a day to day decision by the airlines, which is what should be expected, they do want to fly.
I have two covers for this trip from credit cards;
AMEX: allows me to cancel if delayed by 24 hours, so thats pretty clear
ANZ: "If you have to cancel any pre-paid travel arrangements due to any unforeseen or unforeseeable circumstances outside of your control " ie no time limit.
If I am a betting man, I would say that your flights would have to be cancelled by more than 1 day before you can trigger an insurance claim to cover all your cancellation costs. Otherwise the insurers will say "your flights are only delayed", and we will pay you Travel Delay cover. *unless* the airline makes a clear announcement that flights are cancelled by more than one day.
Until the airlines stop flying then if we want to change flights then it’s a $300 or $600 change fee?
yep, I am in same boat, if I change my bookings now, the total cost (extra cost + losses) to me will be $400. So I got to decide for myself, is that $400 worth it for the peace of mind?
At the moment - it's not. I have got 3 weeks. I figure if it hasnt blown by then, it wont blow on my flight. If it has blown - then we have a heads up whats going on.
The seasons just about to change, the prevailing winds are westerly in the wet season- so the ashcloud should be heading away from bali and the airport.