Australian Bush Fires – What does Travel Insurance Cover?
Australia is suffering the worst Bush Fires in its history. It is also suffering from record high temperatures and high winds that are causing even more bush fires and disruption.
Australia has been known for bush fires, especially during the Summer months.
Several large bush fires are currently burning around New South Wales and the authorities are struggling to control them. The fires have so far resulted in many deaths and a large number of properties have been destroyed.
The Foreign and Commonwealth Office advises that if you are in New South Wales or plan to visit soon you should check with the State authorities for up-to-date information.
Visit the Foreign Office Travel Advice pages for the latest travel advice in Australia and links to the relevant State authorities.
Unfortunately, Travel Insurance policies will not cover you if you are travelling against the advice of the Foreign and Commonwealth Office (FCO) at the time of your departure. Therefore, you must check the FCO’s website for any warnings against travel.
We have some Policies that will cover you for Cancellation and Curtailment if you have to cancel a trip due to an FCO warning (as long as you booked the trip and purchased your travel insurance before the warning is issued). Please call us to get a quote that offers this level of cover.
Can Travel Insurance help if my trip is affected by the bush fires?
If you are injured or become ill as a result of the bush fires, you will be covered for Medical Expenses and Repatriation (as long as you didn’t travel against the advice of the FCO). All of our policies cover Medical Expenses up to £10,000,000 and we provide you with an Emergency Assistance Number which is available 24 hours.
If you need to move from your pre-booked accommodation you may be covered under the Natural Catastrophe cover available on our policies.
Catastrophe Cover is designed to provide cover for additional, irrecoverable travel or accommodation costs if you are forced to move from your pre-paid, pre-booked holiday accommodation as a result of unforeseen events such as floods, fire, earthquakes, hurricanes and medical epidemics. The cover is intended to enable you to continue your holiday in alternative accommodation, or if that’s not possible, return to the UK.
JS Travel Insurance policies cover Catastrophe:
“We will pay for reasonable additional costs of travel and accommodation within a 20-mile radius, the same standard as those on your booking to enable you to continue your trip close to that originally booked if the pre-booked accommodation has been damaged by fire, flood, earthquake, storm, lightning, explosion, hurricane or the area is quarantined due to a major outbreak of an infectious disease.”
The cover is intended to enable you to continue your holiday in alternative accommodation, or if that’s not possible, return to the UK.
Please read our Terms and Conditions for Restrictions and Exclusions.