Huh? If a policy doesn't cover "reconsider your need to travel" it won't matter when you bought it. It'll be the classification when you enter the country that matters most regarding coverage.
If you take out a policy when the advice is "exercise a normal degree of caution" and then later before you depart the situation at your destination deteriorates and warning level changes you are often covered for the costs of cancellation or deferring travel due to government warnings.
Similarly if you enter the country while there are no cautions, then something happens and the government changes the status you are covered whilst you arrange to leave; again as you had no expectation re it being unsafe or travel/consular services being disrupted at the time you took out the policy or entered the country.
But if the warning is "reconsider your need to travel" or "do not travel" the day your take our your policy, you cant claim you didn't know it was unsafe to travel and therefore you may not be covered for disruptions to journey in the former and definitely wont be covered for anything in the later.
The situation is similar to having travel booked, then getting a cancer diagnosis and taking out a policy after the fact. You arent covered for cancellation as you already knew you were sick when you bought the policy.
However if you were well and symptom free when you made the booking and bought TI the same day, and then are later diagnosed before you were meant to travel you are covered for cancellation as circumstance was unforeseen.
There are so many places one can visit for a gap year that don't have the "reconsider the need to travel warnings" that personally I wouldn't be supported of one of my loved ones going against advice. But if knowing its not recommended if you do still go, just don't expect the insurer and government to come to your rescue (nor Australian public via a go fund me).
can anyone recommend some good policies that cover āreconsider your need to travelā areas for long trips (like months?) Thanks
