Natural disasters can strike anywhere in the world at any time.
In 2016, thousands of Australian travellers were left stranded in Bali after two separate volcanic ash clouds resulted in the cancellation of all flights in and out of Denpasar airport.
A large number of travellers had to spend more than they planned on alternative transport, extra nights of accommodation and food to wait out the travel delays.
Without travel insurance already in place, these travellers likely would have been out-of-pocket for any extra expenses incurred as a result of the eruption, including new flights home.
There are a number of ways a natural disaster can also affect travellers:
- You may be injured and require emergency medical assistance or end up hospitalised for an extended period of time.
- You may not be able to start your holiday on your scheduled departure date, resulting in cancellation fees or lost deposits for any prepaid bookings or tours.
- Your return flight may be cancelled, meaning you have to negotiate a new flight home.
- Your flight may be cancelled before you travel and your holiday has to be postponed or cancelled altogether.
There’s always the risk of Australian travellers getting caught up in the impact of floods, earthquakes, cyclones, hurricanes, tsunamis, volcanic eruptions or other disasters overseas.
Fast Cover's Comprehensive policies include cover for travel disruptions, which could save you hundreds of dollars if you find yourself in a similar situation.
Be prepared for a natural disaster with these 4 top tips
1) Consider taking out a travel insurance policy as soon as you pay for your flights or accommodation
You never know when a natural disaster will occur. It’s a good idea to have insurance in place in case a natural disaster forces you to cancel your trip. If you take out a travel insurance policy after the event has occurred, you likely won’t be able to claim for any trip disruption or cancellation costs.
2) Read the Product Disclosure Statement
It's important to understand what cover you’ll have for natural disasters before you choose a policy and make sure it provides you with the cover you want.
3) Know your emergency contacts
Travel insurers generally offer 24 hour emergency assistance. Ensure you have these contact details handy in case a natural disaster does happen.
4) Know the risks
Research where you’re travelling to and the time of year it is there. Some regions are prone to earthquakes, hurricanes, cyclones, floods and fires during certain seasons.
Can I get travel insurance that covers natural disasters?
Various travel insurers will provide cover for different natural disasters, including:
- Earthquakes
- Tsunamis
- Volcano eruptions
- Floods
- Forest fires
- Cyclones
- Tornados
- Hurricanes
- Storms
- Blizzards
- Avalanches
To find out what cover you’ll receive in a travel insurance policy, be sure to read the insurer’s Product Disclosure Statement (PDS).
What benefits does travel insurance provide for natural disasters?
Travel insurance companies are all different, but may include cover for the following benefits in the event of a natural disaster:
What travel insurance exclusions apply to natural disaster events?
It’s important to be aware of exclusions in travel insurance policies, otherwise you may believe you have cover for something when you actually don’t.
Finding out you don’t have cover for something after you’ve submitted a claim can be unpleasant and costly!
Am I covered if I decide to cancel my holiday due to bad weather?
Bad weather doesn’t count as a natural disaster, even if it’s extremely unfortunate when you’ve planned an active outdoors holiday or one by the beach!
Travel insurance only provides cancellation cover in extreme situations where the weather forces you to cancel your travel plans or your accommodation becomes uninhabitable.
If your flight is delayed or cancelled, your accommodation is severely damaged or flooded, or something physically prevents you from going ahead with your holiday plans, that’s when travel insurance can provide cover.
Remember that in most cases you'll need to contact your airline, travel agent or tour provider to see if you can reschedule or obtain a refund from them in the first instance. You can then submit a claim with your travel insurance company for any remaining financial losses you have incurred.
See our Claims page for more information about submitting a travel insurance claim.
Do I need to extend my travel insurance policy if a natural disaster means I can’t get my scheduled flight home?
If a natural disaster causes delays to your scheduled transport and you’re not able to return home as planned, your travel insurance may be automatically extended at no additional cost.
Check the Product Disclosure Statement or ask your travel insurer to see if they provide this benefit before you take out your policy.
Example Case Study*
A traveller is in Bali when Mount Rinjani erupts, resulting in flights being grounded for a week.
The traveller is stuck in Bali a week longer than planned, and has to pay a few hundred dollars more than expected on accommodation, transport and meals. If the traveller has a Fast Cover Comprehensive travel insurance policy, they would be able to put a claim in for these extra expenses.
Why is it important to buy travel insurance that covers natural disasters?
Natural disasters are unpredictable and can impact travellers in various ways, including your bank balance!
If an earthquake, tsunami, cyclone, hurricane or volcanic eruption occurs before or during your holiday, you can end up spending far more than you originally planned on your trip.
As well as providing 24 hour emergency support and overseas medical assistance, travel insurance can help ensure that if a natural disaster does occur, you may be able to recoup some of those extra costs and prevent your holiday from turning into a complete financial disaster!
*Stories are fictitious examples drawn from the experiences of Fast Cover travellers and staff. Any resemblance to actual persons, living or dead, or actual events is purely coincidental. Cover is subject to the terms and conditions including limits and exclusions of the insurance policy.
