For when nature intervenes.
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Ten years ago, nobody worried about being caught up in natural disasters. But in an age of ever-worsening cyclones and hurricanes, and other freak weather events, cover for this sort of thing is now essential. And all that without even mentioning the multiple volcanic eruptions around Bali...
As long as you've bought your policy before the disaster was in the media, your policy will cover a range of different things. If you're still at home and the cyclone has swept your accommodation into the sea, we understand that you'll probably want cancel your trip rather than camp in the ruins of the resort. If you're overseas and caught up in it, then we'll cover you to get out. Whether that's getting home or getting to your next destination, will depend on your travel plans.
We don't cover costs that you would have incurred without the disaster happening. If you were island-hopping in the Caribbean and your accommodation got blown away in a hurricane, you'll need to move on. But if you didn't have any transport already paid for, then you'd be paying that cost to change islands anyway, so we won't cover it for you.
We also don't cover if you just change your mind about a place. If you're worried about a volcanic eruption or an oncoming hurricane, talk to your airline. If they're cancelling flights, then you've probably got a claim. If they're carrying on business as usual, then we'll need a good reason why you can't go.
As always, we'll ask you to ask your airline, accommodation and tours for refunds.
If you’re traveling to a region that’s known for natural disasters, it's a good idea to do some research to see if there have been any warnings. If you buy a policy after an event is known, and the natural disaster impacts your trip, you won’t be covered for any expenses.
On the night 25/10/2010 I was on the surf charter boat, in the Mentawai Islands, Sumatra, Indonesia. There was an earthquake and tsunami that hit and completely destroyed the boat. The boat caught fire. The fire spread rapidly and we had to abandon ship. The boat along with all personal belongs were completely destroyed. The fire spread so quickly that there was no time to collect any belongings. The only things I ended up with were the shorts I was wearing, my watch and wedding ring. Almost all my possessions and documentation were on the boat and destroyed.
Protect your trip from unexpected cancellation.
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Take the pain out of medical costs.
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We'll get you to hospital lickety-split
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Cover your stolen or damaged gear and tech.
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If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Phone: +61 2 8263 0470 or Phone: +61 2 8292 1470 (reverse charges via an operator from anywhere in the world)
Contact the teamTravel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.
Before your trip, check to see if there are current travel alerts for your destination – you can also view the latest government advice.
Gaza−Israel conflict: For travellers in, or planning on travelling to, Israel or the Palestinian Territories, please see our travel alert with more information.