Benefit 6: Trip Disruption Expenses

This benefit reimburses You for reasonable additional travel and accommodation expenses which You incur whilst You are still on Your Trip if it is interrupted due to circumstances as explained below.

Important Cover Conditions

Cover under this benefit is subject to the following conditions:

If You need to return to Australia and did not have a return ticket booked to Australia before the circumstances giving rise to a claim under this benefit happened, We will reduce the amount of Your claim by the price of the fare to Australia from the place You planned to return to Australia from. The fare will be at the same fare class as the one You left Australia on.
Wherever claims are made by You under this benefit and Benefit 5: Trip Cancellation Expenses for cancelled or alternative travel arrangements for the same or similar expense, We will pay for the greater of the two amounts, but not both.
If We have accepted or paid for any expenses under Benefit 4: Overseas Emergency Medical Evacuation and Repatriation, We will not pay for any costs under this benefit for the same or similar expense.
Refunds or credits You receive will be deducted from the amount payable on Your claim.
The claim must Arise during Your Trip.
This benefit does not provide cover for claims that Arise from COVID-19. The cover We provide specific to COVID-19 is found under Benefit 27 and Benefit 28.

Up to the limits set out in the Benefit Summary above:

For the reimbursement of Your reasonable additional travel, accommodation and meal expenses which You cannot recover from any other source, if a disruption to Your Trip occurs during Your Trip (whether domestic or Overseas), which is outside of Your control, and Arises from the following reasons:
- Your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a strike, riot, hijack, civil protest, severe weather or Natural disaster. The event must have begun after We issued the Certificate of insurance.
- You unknowingly break any quarantine rule.
- You lose Your passport, travel documents or credit cards or they are stolen.
- An accident occurs involving Your mode of transport. You must have written confirmation of the accident from an official body in the country where the accident happened.
- Your Home is rendered uninhabitable by fire, explosion, earthquake or flood.
For the reimbursement of Your reasonable additional travel, accommodation and meal expenses which You cannot recover from any other source, if You cannot continue Your Trip because of an Injury or Sickness which occurred or manifested itself while on the Trip, which needs immediate treatment from a Medical practitioner who certifies that You are unfit to travel.
For the reimbursement of Your reasonable additional travel, accommodation and meal expenses for You to be with another person listed on Your Certificate of insurance or Your Travelling companion if they cannot continue their Trip because of an Injury or Sickness which occurred or manifested itself while on the Trip, which needs immediate treatment from a Medical practitioner who certifies that they are unfit to travel.
For the reimbursement of the reasonable cost of Your return to Australia if You shorten Your Overseas Trip due to the unexpected Sickness, Injury or death of Your Travelling companion, where You can reasonably show that You were not aware of the likelihood of their Sickness, Injury or death at the time You purchased Your Policy.
For the reimbursement of the reasonable cost of Your return to Australia if it is medically necessary for You to shorten Your Overseas Trip. You must obtain written advice from a Medical practitioner. We will only pay the cost of the fare class that You had planned to travel at (unless otherwise authorised by Us) and You must take advantage of any pre arranged return travel to Australia.
For the reimbursement of the reasonable cost of Your return to Australia if You shorten Your Overseas Trip due to the unexpected Sickness, Injury or death of Your Close relative, and You were not aware of the likelihood of their Sickness, Injury, or death at the time You purchased Your Policy and provided they meet the Close relative conditions.
For Your non-refundable claim expenses up to 25%, or up to a maximum of $2000, whichever is the lesser, if You need to cancel or reschedule Your Trip due to an unexpected Sickness, Injury or death of a Close relative who does not meet the Close relative conditions. The most We will pay under this provision and under Benefit 5: Trip Cancellation Expenses, is 25% of Your non-refundable claim expenses or up to a maximum of $2000, whichever is the lesser. Wherever claims are made by You under this provision and Benefit 5: Trip Cancellation Expenses for the same or similar expense, We will pay for the greater of the two amounts, but not both.

For any claims related to COVID-19 except as described in Benefit 28: COVID-19 Trip Cancellation and Disruption.
If You were aware of any reason, before Your Period of insurance commenced, that may cause Your Trip to be cancelled or disrupted or delayed.
For any claims directly or indirectly related to or Arising from the death, Injury or Sickness of Your Close relative except as specified under ‘We will pay’.
For any claims directly or indirectly related to or Arising from the death, Injury or Sickness of Your Travelling companion except as specified under ‘We will pay’.
As a result of You or Your Travelling companion changing plans or deciding not to continue with the intended Trip.
If Your claim relates to the Financial collapse of any travel agent, airline or other Carrier, tour or accommodation provider.
As a result of the breakdown of any means of transport.
If You can claim Your additional travel and accommodation expenses from anyone else.
For costs which You have paid on behalf of any other person, unless that person is also an insured person named on Your Certificate of insurance.
As a result of cancellation, delays or rescheduling by a bus line, airline, shipping line or rail authority unless it is due to a strike, riot, hijack, civil protest, severe weather or Natural disaster.
Any additional expenses caused by planned medical procedures, cosmetic treatments, or other non-emergency medical treatments.
Additional expenses relating to telephone calls and mobile data (other than calls to notify Us of Your emergency).
For more than the applicable limits set out in the Benefit Summary above.

Please also read General Exclusions that apply to all benefits.