Travel Insurance in Times of Conflict

In April 2024, Qantas temporarily suspended its direct flights from Perth to London over concerns about flying through Iranian airspace following an escalation in the conflict between Israel and Iran. Qantas will instead operate its Perth-London route via a stop in Singapore for the outward journey while keeping the return from London a non-stop service with a modified flight route to avoid Iranian airspace.

The Impact of Conflict on Travel Insurance 

During times of war or conflict, travel insurance coverage can be significantly impacted*. Travel insurance policies often include a range of exclusions such as exclusions relating to acts of war, invasion, acts of foreign enemies, and other warlike operations. This means that if your travel plans are disrupted or you incur losses because of the events, your travel insurance policy may not provide coverage it might otherwise provide. Each travel insurance policy is different, and all individual’s circumstances are unique, therefore, you should ensure that you consider the relevant travel insurer’s policy for information on eligibility criteria, terms, conditions, exclusions and limits that apply prior to purchasing a policy. 

*See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. 

Fast Cover Travel Insurance 

As an Australian-based travel insurance provider, Fast Cover understands the importance of providing support and assistance to travellers during times of crisis. In the event of a conflict or war, Fast Cover's Emergency Assistance team is available 24/7 to provide guidance and support to policy holders.  

Options for Travellers 

In the event of a large-scale conflict or threat of war, it's smart to have necessary information on hand to make alternative arrangements such contact details of your booking agent or travel provider. Many travel and transport companies respond to customer concerns with humanity, allowing them to postpone bookings. Additionally, consider looking for accommodation deals that allow free cancellation and flexible fares, which may be more expensive but could pay off in the event of a trip cancellation. 

Australian Government Travel Advisory 

As of 3 May 2024, the Australian Government has listed the Travel Alert level as ‘Reconsider your need to travel’ for Israel and the Occupied Palestinian Territories. The Travel Alert level for Iran is 'Do not travel'. If you are overseas and need emergency help, contact Fast Cover's Emergency Assistance team at the provided contact details. Additionally, the Australian Government offers 24-Hour Consular Assistance for travellers overseas. 

Staying Safe While Travelling 

Considering the current world climate and ongoing conflicts in various regions, it's important for travellers to prioritize safety when planning their holidays and considering their next travel destination. Before booking your trip, research the current situation in your intended destination and consider any travel advisories or warnings issued by government authorities. By staying informed and taking necessary precautions, you can help ensure a safe and enjoyable travel experience.  

Useful Links for Travellers 

• Australian Government 24 Hour Consular Assistance 
• Smartraveller 
• ABC News 

Stay up to date with the latest travel alerts at home and overseas with news and updates from Fast Cover. For regular updates, you can also download the Smartraveller app.  

Conclusion

As tensions continue to escalate in the Middle East, it's important for travellers to be aware of the implications for travel insurance coverage. By understanding policy exclusions and seeking guidance from Fast Cover and Fast Cover's Emergency Assistance team, travellers can better prepare for unexpected events and help to protect their safety and well-being during times of conflict. 

Any advice provided is general only and insurance coverage is subject to underwriting eligibility criteria, policy terms, conditions, limits, sub limits and exclusions. Consider the Combined Financial Services Guide and Product Disclosure Statement (PDS) and Target Market Determination (TMD) which are available at fastcover.com.au before deciding whether this product is right for you.