Reconsider your need to travel areas

[MEL_Traveller]

As i pointed out upthread Covermore in particular have a secondary page you have to check the specific country, as they sometimes cover "reconsider the need to travel" but do not cover all places with the "reconsider the need to travel" warning level. Israel being the most glaring example right now.

DFAT has Israel listed as:
View attachment 431149

Travel alerts – world events that may affect your policy | Cover-More Australia directs you to Israel situation | Cover-More Australia however says you wont have cancellation coverage nor be covered for "claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power."

So the reason for Reconsider Your Need To Travel is actually more important than just the category.

It is always unwise to reply on generalizations wrt insurance, clauses and exemptions change frequently and the devil is always in the detail.

Most people get TI predominantly for medical coverage, cancellation and travel disruption. When the insurer can deny claims for these things simply by pointing to DFAT advise that notes conflict/war as the contributing factor to the "Reconsider You Need To Travel" your policy becomes pretty worthless.

I don’t think there is a travel insurance policy out there that covers claims relating to war, invasion, act of foreign enemy etc etc.

So the only material impact of the covermore warning is that *cancellation* won’t be covered. Everything else is ‘same same’, they’re just reminding you that you won’t be covered for war-related injury.

You won’t be covered by Covermore if you were in the UK and experienced injury through an act of war or any of the other things listed immediately above.

You would still be covered in Israel if you fell over, or got hit by a car or something else of that ilk.

 

[Mattg]

Did any not, however?

Yes, quite a few did/do not cover “reconsider your need to travel” destinations.

 

[Cynicor]

Yes, quite a few did/do not cover “reconsider your need to travel” destinations.

Really, do you have an example?

 

[Mattg]

Really, do you have an example?

Yes. Here is the Allianz travel insurance PDS:

https://cft-onex-api.agaassistance.com.au/api/document/pds/allianz-travel

Which includes this clause:

Coverage may be affected or declined where a claim arises because you did not follow an advice or warning issued by an Australian government relating to your destination. This includes travelling when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place and not taking action to minimise or avoid any potential claim. Please note, this also applies even if the Australian government has given you permission to travel or you fall under a specific exemption where there is otherwise a travel ban in place that prohibits you from travelling.

 

[oz_mark]

Southern Cross Travel Insurance excludes 'Reconsider Your Need to Travel'

https://www.scti.com.au/-/media/project/scti/nz/au/pdfs/international-comprehensive-single-trip-product-disclosure-statement-au.pdf

Exclusion:

You travelling to a country or destination where a travel advisory of ‘Do not travel’ or ‘Reconsider your need to travel’ has been published on www.smartraveller.gov.au before the date your insurance starts.