Travel Insurance You Can Trust

Where are you going?

Destination *

When is your trip?

When do you leave?

When do you return?

departuredate *

Oct 28 2021

returndate *

Oct 28 2021

Who is travelling?

Current Ages of All Travellers

1 *

Are all travellers currently living in Australia, and:

are they Australian citizens with a valid Australian Medicare card, or
do they hold a visa allowing them to live, work or study in Australia?

If any traveller has already left their home in Australia and are on their trip this cover is subject to a 3 day no-cover period. This means there is no cover under any section for any event that has occurred already or that arises within the first 3 days of buying the policy.

Yes

Important Information Regarding: Chile Riots

Issued: 22 October 2019

Background

On Monday October 14th, an increase to the cost of public transport sparked protests in Santiago, which eventually turned into violent and deadly riots, with various transportation services affected since last Friday.

In response to these violent riots, Chilean military were deployed and a state of emergency was declared, with strict curfews being enforced resulting in the shutting down of airports, and the cancellation of flights as well as their public transport services.

If you are in Chile and need medical assistance, please call our 24 hour emergency assistance team immediately on +61 2 8907 5619.

We further urge you to pay close attention to local media and emergency services, following any instructions provided and visit the DFAT page on Smartraveller:

https://www.smartraveller.gov.au/destinations/americas/chile

If you are planning to travel to Chile, we encourage you to contact your travel agent, airline or tour operator as soon as possible to discuss whether there have been any changes to your itinerary.

Policy Wording

For policies/trips with the Relevant Time prior to October 14th 2019

If you have been directly affected from this event, there may be provision for you to claim for benefits provided by your travel insurance policy. Claims will be assessed in accordance with your Product Disclosure Statement and may vary depending on the type of policy you purchased.

Chilean Government Curfews

These curfews have resulted in the shutting down of airports and the cancellation of flights, as well as impacting their public transport services.

If your travel has been disrupted due to the Chilean Government curfews, regrettably there is no cover available due to the policy General Exclusion where we will not pay for claims arising from any government intervention, prohibition, regulation or restriction or court order.

General Civil Commotion

Please note that whilst claims resulting from the Chilean Government curfews are not covered, we understand this event has resulted in general ‘civil commotion’ in the area, which can be coverable.

If your travel has been directly affected due to the general civil commotion, rather than resulting from the government curfews, there may be provision for you to claim depending on the circumstances that are impacting you.

To submit your claim, please remember:

To keep all itemised receipts for additional purchases or costs incurred
Obtain documentation from the travel provider confirming the length and reason for delay
The easiest way to lodge your claim will be online via: https://claims.covermore.com.au/

Costs that are not covered by your policy

Travel arrangements that have already been utilised
Costs excluded or above the limits outlined in your PDS
Costs that are incurred where your travel is not directly affected
Where alternate travel is at a higher fare class than originally booked
Claims arising from any government intervention, prohibition, regulation or restriction or court order
Depending on the policy benefit claimed and our assessment, there is no cover available for policies purchased on or after October 14th 2019 as the event is no longer considered unforeseeable

For policies/trips with the Relevant Time on or after October 14th 2019

There is no cover for policies issued after this date as it would no longer deemed an unforeseeable event.

Cancel For Any Reason

If your policy contains this benefit, this add-on is not affected in any way by this advice.

Important general advice

This information must be read in conjunction with the Product Disclosure Statement (PDS) as certain terms, conditions, limits, and exclusions apply. These terms, conditions, limits and exclusions are detailed in the PDS and in particular we draw your attention to ‘The Benefits’ and ‘General Exclusions’ sections of the PDS.

Contact us

If you have any further enquiries, please contact our Customer Service team on 1300 728 822 between 8.00am and 7.00pm Monday to Friday (AEDT).