War & Armed Conflict Cover
War and armed conflict are not normally covered under travel insurance. This cover provides limited support if you are unexpectedly affected while already overseas, with an optional upgrade for extra travel and accommodation costs if your trip is disrupted.
At a glance
A quick summary of how this cover works during your trip.
What this cover does
This cover provides limited protection if, during your trip, you are unexpectedly affected by war or armed conflict while staying in or travelling through an affected area.
It does not create broad war cover. It only applies in the limited circumstances set out here, and the rest of your policy terms, conditions, exclusions and claims conditions still apply.
Automatic cover plus an optional upgrade
Limited medical-related cover is included automatically for eligible claims if the cover conditions are met.
If you want cover for additional travel and accommodation costs during your trip, you must select the optional disruption cover, pay the additional premium, and have it shown on your Certificate of Insurance.
What’s included automatically
Included at no extra cost if the cover conditions are met.
- ✓Medical cover if you are unexpectedly injured while overseas in a war or armed conflict event and you are not actively involved.
- ✓Emergency medical assistance and medically necessary repatriation.
- ✓Accidental death and permanent disability benefits for eligible claims.
What automatic cover does not include
- ✕Cancellation, trip changes, or additional travel costs.
- ✕Evacuation, extraction, armed escort, or specialist security services.
- ✕Any claim arising from your active participation in war or armed conflict.
Optional disruption cover
For an additional premium, this optional upgrade can help with extra travel and accommodation costs if your trip is disrupted after it has started.
This cover is designed for unexpected events that happen during your journey, not before departure.
It must be selected, the additional premium must be paid, and it must appear on your Certificate of Insurance.
What the optional cover can help with
- ✓Additional accommodation costs, up to $250 per day and $2,000 in total.
- ✓Additional travel and transport costs, up to $3,000.
- ✓Reasonable costs to reroute your journey.
- ✓Reasonable costs to return home early if necessary.
- ✓Up to $5,000 per person in total, less any refunds, credits or reimbursements.
When cover applies
After departure
The war or armed conflict must happen after you have left Australia and started your trip.
You are in or travelling through the area
You must be in, or knowingly travelling through, the affected area when the event happens.
No active involvement
This cover does not apply if you are actively involved in the conflict.
No prior “Do Not Travel” warning
Before you travelled to, stayed in, or knowingly transited through that location, it must not have been subject to an Australian or New Zealand Government “Do Not Travel” warning.
Unexpected event only
The event must be new and unexpected, not known, ongoing or reasonably foreseeable before you departed.
Optional cover must be chosen
Additional travel and accommodation costs are only covered if you selected the optional disruption cover and it appears on your Certificate of Insurance.
What no part of this endorsement will cover
- ✕Events that were known, announced or ongoing before you departed.
- ✕Cancellation or trip changes before departure.
- ✕Prepaid, unused or non-refundable travel arrangements.
- ✕Costs recoverable from airlines, hotels or other travel providers.
- ✕Evacuation, extraction or specialist security services.
Key things to know
- This cover is for unexpected events during your trip. There is no cover before you travel.
- Additional travel and accommodation costs are only covered if you have selected the optional disruption cover.
- We cover reasonable additional costs only, after allowing for any refunds, credits or reimbursements from travel providers or other sources.
- You must take reasonable steps to minimise your costs and recover any available refunds.
Real-world example
You are already overseas when a new and unexpected outbreak of conflict affects a place you are visiting or travelling through. Flights are disrupted and you need to arrange alternative transport and accommodation.
The automatically included cover may respond to eligible medical or serious outcomes if you are directly affected. If you selected the optional disruption cover, reasonable additional travel and accommodation costs may also be covered, subject to the policy terms, limits, and any available refunds or credits.
Why travellers choose this cover
This cover helps explain what limited support may be available if you are unexpectedly affected by war or armed conflict while already overseas.
It includes medical-related protection automatically for eligible claims, with an optional upgrade available for additional travel and accommodation costs if your trip is disrupted.
It is designed to provide clarity around what may be covered during your trip, while keeping expectations realistic about what is not included.
Frequently asked questions
- Is any cover included automatically?
Yes. This cover includes limited protection for eligible medical expenses and serious outcomes if you are unexpectedly affected by war or armed conflict while overseas. - What does the optional cover add?
The optional disruption cover helps with additional travel and accommodation costs if your trip is disrupted after it has started. - When does this cover apply?
This cover only applies if you have already started your trip, the event is new and unexpected, and you are in, or travelling through, the affected area. - Does this cover cancellation before I travel?
No. This cover does not apply before departure. It only applies to events that happen during your trip. - Can I add this cover after my trip has already started?
No. This cover must be selected before departure and shown on your Certificate of Insurance. - What if I need to change my plans?
If you have selected the optional disruption cover, it may help with reasonable additional travel and accommodation costs. It does not cover unused or non-refundable bookings. - What if I feel unsafe?
This cover only applies where there is a specific event that disrupts your trip. It does not apply based on general concern or precaution alone. - What happens if I get a refund?
Any refunds, credits or reimbursements are taken into account. We cover your remaining out-of-pocket costs only.
Important reminder
This is limited cover only.
It does not provide broad or open-ended war cover.
It is designed to offer limited support for certain eligible medical events, plus optional disruption cover for additional travel and accommodation costs during your trip if you have selected it.