Civil Unrest in Peru

If you purchased your travel insurance policy before the above time and date and your travel plans are affected by the event, follow these steps.

• If you have started your journey and your transport is delayed or cancelled due to the event, there is provision to claim for reasonable additional food, accommodation and travel expenses.
• Limits apply under your policy, and for full details you should refer to the Product Disclosure Statement you received when you purchased your travel insurance.
• There is no provision to claim under your policy for cancellation or rearrangement expenses for the utilised portions of your travel arrangements or if they are operating as scheduled.
• Keep receipts and any other supporting documentation (boarding passes, booking confirmations, itineraries, etc.) that may be required for your claim.
• Visit our Claims page for more information about submitting your claim.

If you purchased your policy before the above time and date and your prepaid travel arrangements (flights, cruise, accommodation or tours) are affected by the event, you may be able to claim for the expenses involved in cancelling or rearranging your travel plans.

Steps to follow if you have not left home:

• If you have not yet departed, your policy includes cover for cancellation or the rearrangement of your journey (whichever is less), or the unused portions of your journey, if your pre-booked travel arrangements are cancelled, delayed or rescheduled by this event.
• We recommend you contact your travel agent or travel provider regarding the best option in altering your trip. Some travel providers may provide penalty-free options to amend travel arrangements, and we recommend you contact them for further details.
• All travel insurance policies provide cover for unforeseen and unexpected circumstances only. Due to the extensive media coverage of the event, there is no provision to claim for any expenses relating to the event for policies issued on or after 6:00pm 15th December 2022.
• Gather your receipts and any other supporting documentation (booking confirmations, tickets, itineraries, etc.) that may be required for your claim.
• Visit the Claims page on our website to submit a claim online or contact the claims team on 1300 409 322 if you need help or advice.

After this time and date, we would expect that any policy was purchased with an awareness of the event.

Insurance does not cover losses caused by something you were aware of when you purchased your policy. For example, this would be like trying to purchase car insurance after being involved in an accident.

Therefore, we will NOT pay any claim caused by or in any way related to this event if your policy was purchased after this time and date.

Steps to follow:

1. If you have not yet departed and wish to postpone your trip, contact us to discuss changing your travel insurance policy dates.
2. If you want to change or reschedule your trip, we suggest contacting your travel agent or travel provider (hotel, airline, cruise company, tour company etc) directly for assistance. They may offer to change your trip free of charge or for a small fee.

After the time and date above, we would expect that any policy was purchased with an awareness of the event.

Insurance does not cover losses caused by something you were aware of when you purchased your policy. For example, this would be like trying to purchase car insurance after being involved in an accident.

Therefore, we will NOT pay any claim caused by or in any way related to this event if your policy was purchased after this time and date.

Steps to follow:

1. If you have not purchased travel yet, you are still able to, but you need to be aware the policy does not provide cover for any claims related to the event.
2. If you want to change or reschedule your trip, we suggest contacting your travel agent or travel provider (hotel, airline, cruise company, tour company etc) directly for assistance. They may offer to change your trip free of charge or for a small fee.

If you have a policy and are already travelling:

You can claim up to the limits as specified in your Certificate of Insurance, for the reimbursement of the reasonable additional travel and accommodation expenses if a disruption to your trip arises because your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of this event.

There is provision for cover under the following Benefits of the policy subject to the policy terms, conditions, limits, sub limits, benefit exclusions and General Exclusions:

• Benefit 5 – Trip Cancellation Expenses.
• Benefit 6 – Trip Disruption Expenses
• Benefit 16 – Travel Delay Expenses
• Benefit 17 – Special Event Transport Expenses

Note there is no cover for the above Benefits unless your travel has been directly affected by this event.

Please note the below specific General Exclusions which may impact your policy:

15. Your claim arises from you not following advice in the mass media or any government or other official body’s warning:

a. of a strike, riot, bad weather, civil protest or contagious disease (including an epidemic or pandemic); or

b. against travel to a particular country or parts of a country or against remaining in a particular country or parts of a country; or

c. where a travel advisory risk rating of ‘Do Not Travel’ (or equivalent if this term is replaced) was issued by the Australian Department of Foreign Affairs and Trade before the start date of your trip; and

d. you did not reasonably take appropriate action to avoid or minimise any potential claim under your policy (including delay of travel to the country or part of the country referred to in the warning).

Refer to who.int and smartraveller.gov.au for further information.

39. Your claim arises from an event where a Travel Alert for that event was issued by us prior to the issue of your Certificate of Insurance. Events include (but is not limited to): strike, riot, hijack, civil protest, severe weather, natural disaster or contagious disease.

If you have a policy but haven't left home yet:

You can claim up to the limits as specified in your Certificate of Insurance, for the unexpected cancellation of your prebooked and pre-paid trip bookings which are affected by this event. 

Note:

• Any compensation and/or refunds you receive from a third party (e.g. airline) for transport, food or accommodation will be deducted from any settlement if your claim is accepted.
• You will need to submit all receipts for any additional transport, food or accommodation expenses. If you are claiming cancellation or additional expenses you will need to submit all documents showing what your original planned pre-paid arrangements were, along with any receipts and documents showing your new arrangements, and advice from the travel provider indicating the non-refundable portion of the journey.
• Finally, to help Australians avoid difficulties overseas, the Department of Foreign Affairs and Trade (DFAT) maintains travel advisories for more than 160 destinations overseas via its website www.smarttraveller.gov.au. DFAT’s travel advice provides accurate, up-to-date information about the risks Australians might face overseas, assisting you to make well-informed decisions about whether, when and where to travel. We recommend that you stay up-to-date with its destination specific travel advisories for the country of your destination as your travel insurance cover may be affected if you travel to high risk areas or situations.

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