Hurricane Irma USA

Travel Insurance You Can Trust

Where are you going?

Destination *

When is your trip?

When do you leave?

When do you return?

departuredate *

Oct 31 2020

returndate *

Oct 31 2020

Who is travelling?

Current Ages of All Travellers

1 *

All live in Australia

Background

Hurricane Irma is expected to bring severe weather conditions to south-eastern United States including Florida, Puerto Rico and the north-eastern parts of the Caribbean. As Hurricane Irma approaches, residents and visitors are preparing for catastrophic winds and floods.

The severity of the event continues to develop, with recent news articles suggesting this has been upgraded to Category 5, with winds measured up to 185 mph and forecasters stating it could strengthen.

This information is current to 6 September 2017 and we recommend you regularly check for updates through news agencies and your travel provider.

For all policies issued on or before 6 September 2017

Your policy provides a number of benefits, conditions, limits and exclusions that may be relevant to your travel plans. You should read the Product Disclosure Statement (PDS) which outlines the extent of Your travel insurance cover. Some words used in this document have a special meaning as defined in the PDS.

The information below outlines the key benefits that may apply. Call us for more information.

Amendment or Cancellation Costs. If included on Your policy, this benefit provides cover (up to the nominated policy limits) for Your reasonable amendment or cancellation cost if Your existing and pre- paid travel plans are directly affected. Please note that the cost to rearrange Your trip must not exceed the costs incurred had you cancelled your trip outright.

Additional Expenses. If you have already departed and Your Journey is directly affected because of the severe weather there is cover (up to the nominated policy sub limits) for Your reasonable Additional transport expenses incurred.

Overseas Medical Expenses. If You have incurred medical expenses as a direct result of the severe weather, there is cover up to the specified benefit limits.

Travel Delay. Your Policy includes cover for Additional hotel accommodation expenses and up to the stated benefit limits where Your Journey is directly affected and the delay is at least 6 hours.

Claims can be submitted through our online claims portal: https://claims.covermore.com.au/

Remember, You must take all reasonable steps to mitigate Your out of pocket expenses. We encourage You to speak with Your travel agent or transport provider as soon as possible to minimise Your out of pocket expenses. Ensure Your keep any itemised receipts for additional purchases or costs incurred.

Costs that are not covered by Your policy

Costs that are incurred where Your travel is not directly affected.

Costs over and above the benefits limits and sub limits outlined in Your PDS.

Costs where alternate travel is at a higher fare class than originally booked.

Costs for travel arrangements that have already been used, prior to the severe flooding affecting Your plans.

Policy cover for policies issued after 6 September 2017

Travel insurance provides cover for unforeseen events only.

There is no cover under any section for policies issued after 6 September 2017 as the event is no longer deemed an unforeseen event.

If you decide to change your travel plans, we encourage you to speak with your travel agent or transport provider as soon as possible to minimise your out of pocket expenses.

Important general advice

This information must be read in conjunction with the 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.

Travel start date
Single trips	Annual multi-trips
The date you depart Australia Cover under the Amendment or Cancellation Costs Benefit begins from the time you buy your policy. Cover under all other sections begins from the Travel Start Date you select.	The date your policy will commence Cover under the Amendment or Cancellation Costs Benefit begins from the time you buy your policy. For further information, we recommend you read the definition of 'Relevant Time' in the Policy Wording.
Travel End Date
Single trips	Annual multi-trips
The date you return to Australia	Regardless of what you enter as the Travel End Date, you will be quoted for a 12 month Annual Multi-Trip.
For further information we recommend that you read the definition of 'Relevant Time' in the Policy Wording.