Tourists viewing Mt Batur in Bali

Does Travel Insurance Cover the Bali Ash Cloud?

Find out how the Bali ash cloud affects your travel insurance and whether you'll be able to make a claim.

Mt Rinjani 2016 Ash Cloud

The Mt Rinjani volcano on the Indonesian island of Lombok erupted on Monday 1 August, 2016. The eruption caused cancellation of flights between Australia and Bali for major airlines including Jetstar, Qantas and Virgin.

You should check with the insurance brand prior to purchasing a policy to ensure you are covered. This page will be updated following any new adjustments made by these insurance brands and their underwriters. So far only one insurance brand has issued an update about the Mt Rinjani ash cloud.

#### Mt Rinjani 5 August, 2016 UPDATE ####

Brand
Mount Rinjani restrictions lifted
More Info
Easy Travel Insurance
2 August, 2016. QBE have now lifted the restrictions previously placed on travel insurance cover following the Mount Rinjani volcanic eruption on 1 August, 2016. Restrictions were officially lifted at midday on 2 August, 2016.
Travel Insurance Saver Logo
2 August, 2016. QBE have now lifted the restrictions previously placed on travel insurance cover following the Mount Rinjani volcanic eruption on 1 August, 2016. Restrictions were officially lifted at midday on 2 August, 2016.
CoverMore
11 August, 2016. Cover-More as of 11 August, 2016 consider this event to have concluded and any new eruptions and ash clouds from Mount Rinjani will be considered a new event.
12 August, 2016. Effective from the 12 August, 2016 any future eruptions from Mt Rinjani will be considered a new event and cover will be available subject to the terms and conditions of your policy.
Downunder
15 August, 2016. The Australian Bureau of Meteorology (‘BOM’) and the Darwin Volcanic Ash Advisory Centre (‘DVAAC’) have ceased providing updates on Mt Rinjani’s volcanic activity we have deemed the event to be concluded as of 2:30pm (AEDT) Monday 15 August, 2016.
Fast Cover
15 August, 2016. The Australian Bureau of Meteorology (‘BOM’) and the Darwin Volcanic Ash Advisory Centre (‘DVAAC’) have ceased providing updates on Mt Rinjani’s volcanic activity we have deemed the event to be concluded as of 2:30pm (AEDT) Monday 15 August, 2016.
Online Travel Insurance Logo
15 August, 2016. The Australian Bureau of Meteorology (‘BOM’) and the Darwin Volcanic Ash Advisory Centre (‘DVAAC’) have ceased providing updates on Mt Rinjani’s volcanic activity we have deemed the event to be concluded as of 2:30pm (AEDT) Monday 15 August, 2016.
Over 60 Travel Insurance
15 August, 2016. The Australian Bureau of Meteorology (‘BOM’) and the Darwin Volcanic Ash Advisory Centre (‘DVAAC’) have ceased providing updates on Mt Rinjani’s volcanic activity we have deemed the event to be concluded as of 2:30pm (AEDT) Monday 15 August, 2016.
Simply Travel Insurance
15 August, 2016. The Australian Bureau of Meteorology (‘BOM’) and the Darwin Volcanic Ash Advisory Centre (‘DVAAC’) have ceased providing updates on Mt Rinjani’s volcanic activity we have deemed the event to be concluded as of 2:30pm (AEDT) Monday 15 August, 2016.
STA Travel Insurance
15 August, 2016. The Australian Bureau of Meteorology (‘BOM’) and the Darwin Volcanic Ash Advisory Centre (‘DVAAC’) have ceased providing updates on Mt Rinjani’s volcanic activity we have deemed the event to be concluded as of 2:30pm (AEDT) Monday 15 August, 2016.
Virgin Money
15 August, 2016. The Australian Bureau of Meteorology (‘BOM’) and the Darwin Volcanic Ash Advisory Centre (‘DVAAC’) have ceased providing updates on Mt Rinjani’s volcanic activity we have deemed the event to be concluded as of 2:30pm (AEDT) Monday 15 August, 2016.
Webjet Travel Insurance
15 August, 2016. The Australian Bureau of Meteorology (‘BOM’) and the Darwin Volcanic Ash Advisory Centre (‘DVAAC’) have ceased providing updates on Mt Rinjani’s volcanic activity we have deemed the event to be concluded as of 2:30pm (AEDT) Monday 15 August, 2016.
Worldcare Travel Insurance
15 August, 2016. The Australian Bureau of Meteorology (‘BOM’) and the Darwin Volcanic Ash Advisory Centre (‘DVAAC’) have ceased providing updates on Mt Rinjani’s volcanic activity we have deemed the event to be concluded as of 2:30pm (AEDT) Monday 15 August, 2016.


#### End of update ####



#### Mt Rinjani 2 August, 2016 UPDATE ####

Below are the conditions relating to the Mount Rinjani ash cloud from either the travel insurance brad's website or from its underwriter.

BrandMount Rinjani cover cut-off date
1 August 2016. If you entered into a policy after 6pm (AEST) Monday 1 August 2016 Mt Rinjani volcanic ash cloud was a known ever. 1Cover won't pay any claim caused by or arising from or in any way connected with the Mt Rinjani volcanic ash cloud.
Cheap Travel Insurance1 August 2016. Cover is not available for policies purchased after 9:15pm (AEST) on Monday, 1 August 2016, for claims arising from any volcanic activity, including any new ash cloud events, as such events are no longer unforeseen.
CoverMore2 August 2016. If you purchased your policy on or after Tuesday 2 August 2016 there is no cover for amendment or cancellation costs as the Mount Rinjani Volcanic Ash Cloud is no longer deemed an unforeseen event.
Downunder1 August 2016. If you bought your policy after 7pm (AEST) Monday 1 August 2016 there is no cover for the Mt Rinjani volcanic ash cloud as it was a known event.
Fast Cover1 August 2016. If you bought your policy after 7pm (AEST) Monday 1 August 2016 there is no cover for the Mt Rinjani volcanic ash cloud as it was a known event.
Go Insurance1 August 2016.If you purchased your policy on or after 4.01pm (AEST) 1 August 2016 there is no cover for amendment or cancellation costs as the Mount Rinjani Volcanic Ash Cloud is no longer deemed an unforeseen event.
iTrek1 August 2016. If you bought your policy after 7pm (AEST) Monday 1 August 2016 there is no cover for the Mt Rinjani volcanic ash cloud as it was a known event.
Online Travel Insurance Logo1 August 2016.If you bought your policy after 7pm (AEST) Monday 1 August 2016 there is no cover for the Mt Rinjani volcanic ash cloud as it was a known event.
Over 60 Travel Insurance1 August 2016.If you bought your policy after 7pm (AEST) Monday 1 August 2016 there is no cover for the Mt Rinjani volcanic ash cloud as it was a known event.
Simply Travel Insurance1 August 2016. If you bought your policy after 7pm (AEST) Monday 1 August 2016 there is no cover for the Mt Rinjani volcanic ash cloud as it was a known event.
STA Travel Insurance1 August 2016. If you bought your policy after 7pm (AEST) Monday 1 August 2016 there is no cover for the Mt Rinjani volcanic ash cloud as it was a known event.
Travel Insurance Direct1 August 2016. There is no cover for policies purchased after 9:15pm (AEST) on Monday, 1 August 2016, as the Mt Rinjani volcanic ash cloud events is no longer unforeseen.
Virgin Money1 August 2016. There is no cover for policies purchased after 9:15pm (AEST) on Monday, 1 August 2016, as the Mt Rinjani volcanic ash cloud events is no longer unforeseen.
Webjet Travel Insurance1 August 2016. There is no cover for policies purchased after 9:15pm (AEST) on Monday, 1 August 2016, as the Mt Rinjani volcanic ash cloud events is no longer unforeseen.
Woolworths Travel Insurance2 August 2016. For policies purchased after 7:00am (AEST) on Tuesday, 2nd August 2016 you will not be covered under natural disaster for the Bali Ash Cloud in Mt Rinjani, as this is a foreseen event.
Worldcare Travel Insurance1 August 2016. There is no cover for policies purchased after 9:15pm (AEST) on Monday, 1 August 2016, as the Mt Rinjani volcanic ash cloud events is no longer unforeseen.

The ash cloud from Mt Rinjani on Lombok is an ongoing situation. If you've booked a flight to the region, you should monitor your airline's website for any updates or cancellations.

Cancellations for Tuesday 2 August, 2016 are as follows:

AirlineCancellations
Jetstar

Cancelled flights to Bali:

  • SIN-DPS - JQ117 (0455/0735)

Cancelled flights from Bali:

  • DPS-TSV - JQ101 (0110/0755)
  • DPS-DRW - JQ82 (0120/0545)
Qantas

Cancelled flights from Bali:

  • QF276 - JQ117
Virgin

Flights under review:

  • VA46 DPS-BNE STD 2130
  • VA70 DPS-SYD STD 2210


#### End of update ####



Mt Rinjani December, 2015 UPDATE

Which brands are now providing cover for the ash cloud in December, 2015?

Now that the smoke is clearing from the Mt Rinjani ash cloud, underwriters are starting to offer cover for Bali once more.

BrandConditionsApply
Travel Insurance Direct

tid travel insurance direct
Eruptions from Mt Rinjani have now dissipated. Any further disruptions to travel plans shall be considered a new, unforeseeable event with regard to cover under any policy purchased prior to that next disruption as of 12:00pm 10 December, 2015.Get quote
InsureandGo

InsureandGo insure and go
As Mt Rinjani has stopped erupting any future events will be considered unforeseeable for policies purchased on or after 30/12/2015.Get quote
Fast Cover

fast cover fastcover
Please be advised Fast Cover have lifted the embargo on Mt Rinjani Ash Cloud eruptions as of the 22 of December, 2015.Get quote
Budget Direct Travel Insurance

budget direct budgetdirect
According to the Darwin Volcanic Ash Advisory Centre (DVAAC), the ash cloud event affecting parts of Indonesia (including Bali) caused by the eruption of Mount Rinjani has dissipated and as such Budget Direct have deemed its conclusion date to be 14 December, 2015. This means any further eruptions from Mount Rinjani would be considered to be a new event.Get quote
CoverMore

cover more covermore
According to the Darwin Volcanic Ash Advisory Centre (DVAAC) current Mt Rinjani ash cloud concluded as of 14 December, 2015. Any further eruptions are considered a new event and coverable under the policy.Get quote
Go Insurance

go insurance goinsurance
As the volcano has ceased eruptive activity, the advice previously issued does not apply to policies purchased on or after 9 December, 2015.Get quote
Easy Travel InsuranceQBE (the underwriter of Easy Travel Insurance) lifted the restrictions previously placed on cover for this event from 12:01am 5 December, 2015.Get quote
Travel Insurance Saver Logo

tis travel Insurance saver
QBE (the underwriter of Travel Insurance Saver) lifted the restrictions previously placed on cover for this event from 12:01am 5 December, 2015.Get quote
Downunder

down under downunder
According to Allianz, the underwriter of DU Insure, the Darwin Volcanic Ash Advisory Centre (DVAAC) have ceased providing updates on Mt Rinjani’s volcanic activity we have deemed the event to be concluded as of 12pm (AEDT) Monday 21 December, 2015.Get quote
Simply Travel Insurance

sti simply travel insurance
According to Allianz, the underwriter of Simply Travel Insurance, the Darwin Volcanic Ash Advisory Centre (DVAAC) have ceased providing updates on Mt Rinjani’s volcanic activity we have deemed the event to be concluded as of 12pm (AEDT) Monday 21 December, 2015.Get quote
STA Travel Insurance

sta travel insurance s t a travel insurance
According to Allianz, the underwriter of STA Travel Insurance, the Darwin Volcanic Ash Advisory Centre (DVAAC) have ceased providing updates on Mt Rinjani’s volcanic activity we have deemed the event to be concluded as of 12pm (AEDT) Monday 21 December, 2015.Get quote
Virgin Money

virgin money virginmoney
According to Allianz, the underwriter of Virgin Travel Insurance, the Darwin Volcanic Ash Advisory Centre (DVAAC) have ceased providing updates on Mt Rinjani’s volcanic activity we have deemed the event to be concluded as of 12pm (AEDT) Monday 21 December, 2015.Get quote
Worldcare Travel Insurance

worldcare travel insurance world care travel insurance
According to Allianz, the underwriter of WorldCare Travel Insurance, the Darwin Volcanic Ash Advisory Centre (DVAAC) have ceased providing updates on Mt Rinjani’s volcanic activity we have deemed the event to be concluded as of 12pm (AEDT) Monday 21 December, 2015.Get quote

Claims information for those who already have policies: Before and after the Mount Rinjani ash cloud

BrandMount Rinjani Conditions

onecover one cover 1cover 1 cover
According to the underwriter of 1Cover, Allianz, if you entered into your policy before 5pm (AEDT) Tuesday 3 November, 2015 you're covered for:

  • Cancellation and amendments costs should your travel be interrupted or delayed by the Mt Rinjani ash cloud, provided your policy has a cancellation benefit

If you entered into a policy after 5pm (AEDT) Tuesday 3 November 2015:

  • You will have no cover as the Mt Rinjani ash cloud is a known event
AIG

aig travel insurance
No statement yet
AMEX Travel Insurance

amex travel insurance americanexpress travel insurance american express travel insurance
No statement yet
Budget Direct Travel Insurance

budget direct travel insurance budgetdirect travel insurance
As long as you purchased your travel insurance before 12:00pm AEST on Tuesday, November 3, and have not yet left on your trip, you may be able to reschedule provided the cost of rescheduling does not exceed the cost of cancellation.
Citibank Travel Insurance

cti citibank travel insurance
No statement yet
Columbus Direct

columbus direct columbusdirect
No statement yet
CoverMore

cover more covermore
For all policies issued before 03/11/2015

  • If your existing travel plans are affected by a the Mt Rinjani ash cloud and your policy contains amendment or cancellation cover, then you will have cover
  • Similarly you'll be covered for additional transport and hotel accommodation expenses you incur as a result of this volcanic event

For policies issued on or after 03/11/2015

  • There is no cover for amendment or cancellation costs, as the Mt Rinjani ash cloud is now a known event
Downunder

down under downunder
According to the underwriter of DUinsure, Allianz, if you entered into your policy before 5pm (AEDT) Tuesday 3 November, 2015 you're covered for:

  • Cancellation and amendments costs should your travel be interrupted or delayed by the Mt Rinjani ash cloud, provided your policy has a cancellation benefit

If you entered into a policy after 5pm (AEDT) Tuesday 3 November 2015:

  • You will have no cover as the Mt Rinjani ash cloud is a known event
Easy Travel Insurance

eti easy travel insurancecover
According to Easy Travel Insurance underwriter, QBE, you may be able to make a claim if:

  • Your travel insurance was issued prior to midnight 4 November, 2015 (AEDT)
  • Your policy may cover you up to the limits outlined therein

If you purchased your policy after midnight, Wednesday 4 November 2015 (AEDT):

  • There is no cover for any claims arising from this event
Fast Cover

fast cover fastcover
If you entered into your policy before 5pm (AEDT) Tuesday 3 November, 2015 you're covered for:

  • Cancellation and amendments costs should your travel be interrupted or delayed by the Mt Rinjani ash cloud, provided your policy has a cancellation benefit

If you entered into a policy after 5pm (AEDT) Tuesday 3 November 2015:

  • You will have no cover as the Mt Rinjani ash cloud is a known event
Go Insurance

go insurance goinsurance
For Single Trip policies purchased prior to 12 noon AEST on 3 November 2015 and trips booked under Annual Multi Trip policies prior to 12 noon AEST on 3 November 2015:

  • Cancellation and disruption cover
  • Additional expenses such as transport

For Single Trip and Multi Trip policies purchased on or after 12 noon AEST on 3 November 2015:

    • You will have no cover as the Mt Rinjani ash cloud is a known event
InsureandGo

insureandgo insure and go
  • Any policies purchased after 12:00pm AEST on Tuesday, 3rd November will not be covered under Natural Disaster for the Bali Ash Cloud in Mt Rinjani, as this is a foreseen event.
iTrek

itrek i trek i-trek
According to the underwriter of itrek, Allianz, if you entered into your policy before 5pm (AEDT) Tuesday 3 November, 2015 you're covered for:

  • Cancellation and amendments costs should your travel be interrupted or delayed by the Mt Rinjani ash cloud, provided your policy has a cancellation benefit

If you entered into a policy after 5pm (AEDT) Tuesday 3 November 2015:

  • You will have no cover as the Mt Rinjani ash cloud is a known event
MultiTrip Travel Insurance

multitrip travel insurance multi trip travel insurance
  • According to the underwriter of multitrip.com.au, Mitsui Sumitomo, any policies purchased after 12:00pm AEST on Tuesday, 3rd November will not be covered.
Simply Travel Insurance

sti simply travel insurance
According to the underwriter of Simply Travel Insurance, Allianz, if you entered into your policy before 5pm (AEDT) Tuesday 3 November, 2015 you're covered for:

  • Cancellation and amendments costs should your travel be interrupted or delayed by the Mt Rinjani ash cloud, provided your policy has a cancellation benefit

If you entered into a policy after 5pm (AEDT) Tuesday 3 November 2015:

  • You will have no cover as the Mt Rinjani ash cloud is a known event
Skiinsurance.com.au

ski insurance skiinsurance ski-insurance skiinsurance.com.au
According to the underwriter of skiinsurance.com.au, Allianz, if you entered into your policy before 5pm (AEDT) Tuesday 3 November, 2015 you're covered for:

  • Cancellation and amendments costs should your travel be interrupted or delayed by the Mt Rinjani ash cloud, provided your policy has a cancellation benefit

If you entered into a policy after 5pm (AEDT) Tuesday 3 November 2015:

  • You will have no cover as the Mt Rinjani ash cloud is a known event
Southern Cross

scti southern cross travel insurance southerncross travel insurance
If you purchased your policy prior to Tuesday 3rd November 2015 12pm AEDT, and your pre-paid travel plans have been affected by the Mt Rinjani volcanic eruption:

  • There is cover up to the limits of your limits of your policy

If you purchased your policy prior to Tuesday 3rd November 2015 12pm AEDT, and your pre-paid travel plans have not been affected by the Mt Rinjani volcanic eruption:

  • There is no cover
STA Travel Insurance

sta travel insurance s t a travel insurance
According to the underwriter of STA, Allianz, if you entered into your policy before 5pm (AEDT) Tuesday 3 November, 2015 you're covered for:

  • Cancellation and amendments costs should your travel be interrupted or delayed by the Mt Rinjani ash cloud, provided your policy has a cancellation benefit

If you entered into a policy after 5pm (AEDT) Tuesday 3 November 2015:

  • You will have no cover as the Mt Rinjani ash cloud is a known event
Travel Insurance Direct

tid travel Insurance direct
For policies purchased up to 11.59am, November 3, 2015:

  • Cover is available where you have no option but to change your travel plans because your service provider cancels or restricts services as a result of any volcanic activity

For policies purchased after 11.59am on Tuesday, 3 November 2015:

  • There is no cover
Travel Insurance Saver Logo

tis travel insurance saver
According to Travel Insurance Saver underwriter, QBE, you may be able to make a claim if:

  • Your travel insurance was issued prior to midnight 4 November, 2015 (AEDT)
  • Your policy may cover you up to the limits outlined therein

If you purchased your policy after midnight, Wednesday 4 November 2015 (AEDT):

  • There is no cover for any claims arising from this event
Travel Insuranz

travel insuranz travelinsuranz
If your policy was issued on or before 3 November, 2015, you may have cover for:

  • Disruption experienced post-departure
  • Disruption experienced pre-departure

No cover will be afforded for any claim which relates to the Bali Ash Cloud if:

  • Your policy was purchased on or after 3 November, 2015
Virgin Money

virgin money virginmoney
According to the underwriter of Virgin, Allianz, if you entered into your policy before 5pm (AEDT) Tuesday 3 November, 2015 you're covered for:

  • Cancellation and amendments costs should your travel be interrupted or delayed by the Mt Rinjani ash cloud, provided your policy has a cancellation benefit

If you entered into a policy after 5pm (AEDT) Tuesday 3 November 2015:

  • You will have no cover as the Mt Rinjani ash cloud is a known event
Woolworths Travel Insurance

woolworths travel insurance wool worths travel insurance
Any policies purchased after 7:00pm AEST on Tuesday, 3rd November will not be cover the Mt Rinjani ash cloud as this is a known event.
Worldcare Travel Insurance

worldcare travel insurance world care travel insurance
According to the underwriter of Worldcare, Allianz, if you entered into your policy before 5pm (AEDT) Tuesday 3 November, 2015 you're covered for:

  • Cancellation and amendments costs should your travel be interrupted or delayed by the Mt Rinjani ash cloud, provided your policy has a cancellation benefit

If you entered into a policy after 5pm (AEDT) Tuesday 3 November 2015:

  • You will have no cover as the Mt Rinjani ash cloud is a known event
youGo

yougo you go you-go
For all policies issued before 03/11/2015:

  • If your existing travel plans are affected by a the Mt Rinjani ash cloud and your policy contains amendment or cancellation cover, then you will have cover
  • Similarly you'll be covered for additional transport and hotel accommodation expenses you incur as a result of this volcanic event

For policies issued on or after 03/11/2015

  • There is no cover for amendment or cancellation costs, as the Mt Rinjani ash cloud is now a known event
Zuji

zuji travel insurance
According to the underwriter of Zuji, Allianz, if you entered into your policy before 5pm (AEDT) Tuesday 3 November, 2015 you're covered for:

  • Cancellation and amendments costs should your travel be interrupted or delayed by the Mt Rinjani ash cloud, provided your policy has a cancellation benefit

If you entered into a policy after 5pm (AEDT) Tuesday 3 November 2015:

  • You will have no cover as the Mt Rinjani ash cloud is a known event

I bought my policy before the cut off date, now what?

Well, that depends on whether or not you're already overseas. Fast Cover had these helpful tips:

If you haven't departed:

  • If your trip is going to be impacted by the ash cloud and you already have cover, speak with your insurer to see if your covered for cancellation
  • For those without cover, while most policies won’t cover you for cancellations relating to the current ash cloud, travel insurance can still provide cover for unexpected medical expenses, your luggage and other benefits

If you’re already in Bali:

  • Speak with your airline and see if they will arrange accommodation until such time that flights resume
  • If your airline is unable to arrange your accommodation, speak with your travel insurer
  • Speak with your insurer prior to going out of pocket for any accommodation or additional travel expenses
  • Get any and all documentation from your airline relating to the cancellation
  • Keep receipts and invoices

Fast Cover CEO, Dean Van Es, said that any expenses you incur while delayed must be reasonable if you expect your insurer to pay:

Be aware that travel insurance companies aren’t going to entirely cover your accommodation costs if you decide to spend your extra days in five star accommodation, when you spent the majority of your holiday in a two star motel.

Ash cloud Q&A with Dean Van Es

Dean Van EsFollowing the events of the Mt Rinjani ash cloud, we asked Fast Cover CEO, Dean Van Es, if he had any advice for travellers:

  • Q. What should travellers do if they are caught out by a natural disaster overseas?
    • A. First and foremost, get safe, follow the directions of local authorities and advice in the mass media. Once you’re safe get in contact with our emergency assistance hotline and we’ll help with next steps.
  • Q. What advice can you give for travellers that have a trip booked for Bali in the coming months? Is it still worth getting travel insurance?
    • A. Get your travel insurance early. We find many travellers will book their flights and accommodation several weeks or months out but wait till the last minute to buy their travel insurance. The recent Bali ash clouds in Bali are a great example, anyone who’d taken out travel insurance before the ash cloud would – depending on the policy purchased – have cover for claims caused by the ash cloud. Once an event has happened it can’t be covered by travel insurance.
  • Q. Is there any reimbursement available from airlines?
    • A. Many airlines are offering reimbursement, travel vouchers and alternative flights. It varies depending on the airline but definitely check with them.
  • Q. Under what circumstances will cover for cancellation be available once more for trips to Bali?
    • A. Once the ash cloud has stopped it will be declared over and Cancellation cover for Bali will be resumed. This will be decided based on information provided by the scientists monitoring the volcano.
  • Q. What advice can you give to travellers that are eligible to make a claim for cancellation?
    • A. How can they best prepare for their claim? If they’ve incurred costs make sure they have all the their receipts. Once we receive all receipts paying claims happens very quickly.
  • Q. Would someone who has taken out an Annual policy before it became a known event still be covered for trip cancellation?
    • A. Yes.
  • Q. Would any cover be provided if your travel companion was meeting you from a different location and was unable to travel due to the Ash Cloud?
    • A. Generally no, travel insurance only covers the person named on the policy.
  • Q. What types of expenses can cancellation insurance generally cover?
    • A. Accommodation, flights, tours and activities.
  • Q. What advice can you give to travellers that are going away and need to book travel insurance?
    • A. Buy your insurance as soon as you have paid for any part of your trip, this will protect you from future events like the Bali ash cloud.
  • Q. When is the ideal time to buy cover?
    • A. As you have paid for any part of your trip.
  • Q. What are the benefits of paying extra for a comprehensive policy? How much difference is there really?
    • A. It depends on which policy you’re talking about as there is a lot of variance. Generally Comprehensive policies have higher limits and provide more benefits. At minimum good comprehensive policy should have unlimited medical, unlimited cancellation, luggage cover, alternative transport cover, travel delays cover plus personal liability cover.

The Mt Raung ash cloud is clearing but can you get travel insurance? Find out which travel insurers are covering ash cloud interruptions for Bali travellers.

UPDATE: Cover as of 1 September, 2015

While some travel insurers are still classing the Mt Raung as active, there are providers who have decided that the volcano is now dormant and will honour claims for cancellations should there be a future eruption causing delays and cancellation. Please see the table directly below for those providers in our panel: ### END OF UPDATE ### If you've been affected by the volcanic ash cloud in Bali, you may be entitled to make a claim on your travel insurance. We've rounded up the details for every major insurer in Australia. Whether you qualify will depend on a few key matters:

When did you take out cover?

If you took out cover after Mt Raung was a "known" event then you won't have cover. Each insurer has a different view on when this happened, so check the table below for details.

Did you take out a comprehensive policy?

If you only took out a basic policy, chances are you WON'T have cover. Most comprehensive policies DO provide cover for additional expenses you incur as a result of delays or cancellations caused by natural disasters.

Can I make a claim on my travel insurance for the Mount Raung ash cloud?

Whether or not you'll be able to claim for the Mount Raung ash cloud will depend on many things, the biggest being when you took out cover. Below is a breakdown of how some of the insurers in our panel treat claims resulting from the Bali ash cloud.

What should I do if I've been affected by the Mt Raung ash cloud?

  • Check your purchase date. If you took out cover before the eruption was a "known" event, then you should have cover.
  • Contact your airline. Give your airline a call and find out if it will cover the costs of your accommodation until your next available flight.
  • Contact your insurer. If your policy covers trip interruptions or delays, get in contact with your travel insurance provider to find out whether or not (or how much) it will cover for your additional expenses. IMPORTANT: Make sure you do this BEFORE you hand over any of your cash.
  • Keep any documentation. Making sure you have adequate proof come claim time will help the process run a whole lot smother and improve your chances of getting your claim paid in full. This includes receipts, invoices, and any communication you may have had with your travel insurer, airline or accommodation provider.

Find out what you need to know for Bali travel insurance

How do I contact my airline?

If you're currently in Bali or are planning on heading to Bali but are unsure of whether or not your flights have been affected, you should contact your airline. Affected travellers should contact their airline for more information on flight schedules. See below for contact details of main airlines with routes to Bali:

  • Air Asia: +62 21 2927 0999 (Jakarta) or +62 804 1333 333 (Bali)
  • Air New Zealand: +64 9-357 3000 (New Zealand) 13 24 76 (Australia)
  • China Eastern: +61 2 9290 1148 (Australia)
  • China Southern: 0011 86 400 869 5539 (Overseas hotline)
  • Emirates: +61 1300 303 777 (Australia)
  • Garuda: +62 804 180 7807, +62 21 2351 9999 (Jakarta), +62 361 936 8258 or +62 361 225 047 (Bali)
  • Jetstar: +62 803 852 9779 (Jakarta) or +61 3 9645 5999 (Australia)
  • Malaysia Airlines: 0011 60 3-7843 3000 (Outside Malaysia) 1 300 88 3000 (Malaysia)
  • Silkair: +61 7 4034 9100 (Australia)
  • Singapore Airlines: +61 13 10 11 (Australia)
  • Thai Airways: +61 2 9844 0999
  • Tiger: +61 2 8073 3421
  • Virgin Australia: +61 7 3295 2296 (Australia)

Looking for a travel alternative to Bali? Check out destinations like Bali

Picture: LifeInCaption / Shutterstock.com (image cropped)

Richard Laycock

Richard is the senior insurance writer finder.com.au and is on a mission to make insurance easier to understand.

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23 Responses to Does Travel Insurance Cover the Bali Ash Cloud?

  1. Default Gravatar
    Laura | March 26, 2016

    Hi.. im going to bali may 2016 can you please tell me if travel insurance direct is now covering the bali ask cloud? Thanks

    • Staff
      Richard | March 27, 2016

      Hi Laura,

      Thanks for your question. Yes, Travel Insurance Direct do offer cover. Any disruptions future disruptions would be treated as a new event provided your policy allows you to claim for this benefit and you purchased your policy before any future event became known.

      I hope this was helpful,
      Richard

  2. Default Gravatar
    Erin | January 6, 2016

    Hi,
    I’m not sure how up to date your website was with the Ash cloud around Bali.

    Are you able to advise if any insurance companies are currently covering ash cloud? I am due to fly there in March 2016.

    I was recently told that Cover More are not covering the ash cloud, but hoping that there are other reputable companies that will (praying I won’t have to worry about it though).

    • Staff
      Richard | January 7, 2016

      Hi Erin,

      Thanks for your question. The insurance brands in the table at the top of the page have started issuing cover again. Cover-More is amongst those issuing cover.

      I hope this was helpful,
      Richard

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    Kelli | December 11, 2015

    As of 10 December midday, Travel Insurance Direct have updated their website and are also now covering for the Bali ash cloud.

    • Staff
      Richard | December 14, 2015

      Hi Kelli,

      Thanks for letting us know.

      Cheers,
      Richard

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    Karin | December 6, 2015

    My son is traveling Bali this month (Dec) and has not taken out travel insurance yet. is there any travel insurance out there that will still cover the ash clouds if he should be caught in any new delays due to this

    • Staff
      Richard | December 8, 2015

      Hi Karin,

      Following up on our previous correspondence, just thought you’d like to know that QBE backed travel insurance policies are now providing cover for new volcanic events.

      I hope this was helpful,
      Richard

    • Staff
      Richard | December 7, 2015

      Hi Karin,

      Thanks for your question. Unfortunately none of the insurers in our panel are currently covering claims that arise from the Mt Rinjani ash cloud as it is an ongoing and known event.

      I hope this was helpful,
      Richard

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    Kylie | December 1, 2015

    Flying to bali in February 2016 … Haven’t taken out insurance yet if i do now will i be covered if there are no more eruptions

    • Staff
      Richard | December 8, 2015

      Hi Kylie,

      Following up on our previous correspondence, just thought you’d like to know that QBE backed travel insurance policies are now providing cover for new volcanic events.

      I hope this was helpful,
      Richard

    • Staff
      Richard | December 1, 2015

      Hi Kylie,

      Thanks for your question. While some flights have resumed, the Bali Ash Cloud is still an active event and the travel advisories have not changed. As such, if your flight was to be interrupted by this event you wouldn’t be able to make a claim.

      We will be continuing to monitor this situation and will update the page as soon as these insurance brands update their advisories. https://www.finder.com.au/wordpress/wp-admin/edit-comments.php?comment_status=moderated#comments-form

      I hope this was helpful,
      Richard

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    Kelly | November 26, 2015

    What about policy pursued 4th November flying in jan

    • Staff
      Richard | December 8, 2015

      Hi Kelly,

      Following up on our previous correspondence, just thought you’d like to know that QBE backed travel insurance policies are now providing cover for new volcanic events.

      I hope this was helpful,
      Richard

    • Staff
      Richard | November 30, 2015

      Hi Kelly,

      Thanks for your question. While it will depend on which insurer you took out cover with, most policies purchased after 3rd November will not have cover for any events related to the Mt Rinjani eruption.

      I hope this was helpful,
      Richard

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    Kelly | November 26, 2015

    Flying to bali in jan … Taken insurance they say not covered at this stage may change advice change plans

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    nev | November 23, 2015

    has the ash cloud event at mt rinjani stopped and can travel insurance now be purchased for bali?

    • Staff
      Richard | November 23, 2015

      Hi Nev,

      Thanks for your question. Unfortunately, we do not currently have any updated information on the Bali ash cloud. We will update our page as soon as we have more up-to-date information.

      All the best,
      Richard

    • Staff
      Richard | December 8, 2015

      Hi Nev,

      Following up on our previous correspondence, just thought you’d like to know that QBE backed travel insurance policies are now providing cover for new volcanic events.

      I hope this was helpful,
      Richard

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    Concerned | November 11, 2015

    The last time the volcano on Lombok erupted was 2009 and it lasted 18 months. I have taken out travel insurance for a holiday including a cruise from Bali next year. If the current eruption continues for several months and say flares up and produces more ash which disrupts flights in causes Denpasar airport to close again would travel insurers deem it to be a foreseen event or a new event. If I was affected would I be able to make a claim?

    What is travel insurance policy for longer than usual eruptions?

    • Staff
      Richard | November 12, 2015

      Hi Concerned,

      Thanks for your question. It would depend on when you took out the policy and whether or not any future events are lumped in together to make a known event. You should contact your insurer for clarification in this matter.

      I hope this was helpful,
      Richard

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    shel | November 6, 2015

    I am about to purchase travel insurance for a December trip to Bali/Lombok.
    Assuming the current activity ceases within a week or so, would any subsequent activity (say in mid-December) be covered as a new event, thereby affording me cover in my just-about-to-be-purchased policy?

    • Staff
      Richard | November 9, 2015

      Hi Shel,

      Thanks for your question. At this time, it is impossible to say whether or not you’ll be covered for an ash cloud in the area as this is an ongoing event. If the current events stop and the insurers state that it is now safe to travel, you’ll be able to find cover.

      I hope this was helpful,
      Richard

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