Be prepared for Typhoon Kammuri with your travel insurance

Posted: 4 December 2019 1:16 pm
News

Important:

Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
    • If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
    warningFinally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘 Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.

    Typhoon Kammuri

    Travelling to the Philippines? The category 4 typhoon could impact your cover.

    Typhoon Kammuri has killed four people and prompted authorities to close the country's largest airport in Manila due to dangerous winds and heavy rains. More than 100 flights have been cancelled and half a million people have been evacuated.

    The typhoon, locally named Tisoy, made landfall on 2 December at 22:00 (UTC) in Gubat, in Sorsogon province, with wind strengths of up to 175kph. It has since hit Luzon, the country's largest and most populous island.

    If you've taken out a travel insurance policy for a trip to the Philippines after 5am (AEST) 29 November 2019, you might not be covered for claims related to the typhoon. Depending on what features are in your policy, this will likely mean that any claims related to natural disasters and flight cancellations will not be covered. Some brands treat medical expenses differently and you might still be covered if you need emergency medical care because of the typhoon.

    However, if you took out travel insurance before the typhoon became a "known event", you should still be covered for all of the above.

    In insurance terms, a "known event" is something that any reasonable person should have knowledge of due to the media attention it receives.
    Natural disasters and travel insurance

    If you do purchase travel insurance after this time, it doesn't mean that your cover is worthless. You can still claim for unrelated issues like medical care as well as lost, stolen or damaged items.

    At the time of publication, the following partners have released alerts regarding the typhoon. If you're not sure about your specific travel insurance policy, always contact your insurer directly for more information.

    BrandAlert
    Tick-Travel Insurance LogoNo cover for typhoon related claims if your policy was bought after 5:00am (AEST) on 29th November 2019. Medical related expenses are an exception.
    Insureandgo logoNo cover for typhoon related claims if your policy was bought after 5:00am (AEST) on 29th November 2019. Medical related expenses are an exception.

    Picture: GettyImages

    Get more from Finder

    Ask an Expert

    You are about to post a question on finder.com.au:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com.au is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
    Go to site