Key takeaways
- You can be covered by travel insurance if your flight is delayed or cancelled due to a strike.
- If you bought your policy after a strike becomes a 'known event', you probably won't be covered.
- You'll also need to make an effort to avoid a claim after there was a warning about the strike.
Does travel insurance cover strikes?
Travel insurance will cover costs associated with strikes or industrial action, under some circumstances. For example, if you bought your policy after an industrial strike becomes a 'known event', it's unlikely that your insurer will cover you for associated costs.
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Common exclusions for travel insurance for strikes
Here are a few of the common exclusions listed by travel insurance providers that will stop you from making a claim for losses resulting from a strike or industrial action.
- Losses, liability or expenses are not covered if you did not take all necessary precautions to avoid a claim after there was a warning in the mass media of a strike.
- You will not be covered under any section of the policy if you did not follow advice in the mass media or any government or other official body’s warning of a strike.
- You will not have any cover under any section if the claim arises from a strike or industrial action that were public knowledge when you booked your trip.
Common policy wording for travel insurance for strikes
Here is a common way that an insurance provider might word their strike cancellation policy. The exact details will change from provider to provider, but this should give you some idea of how strikes and industrial action is typically covered.
- Emergency Expenses: Covers your trip if disrupted because of cancellation, delay or diversion of your scheduled transport caused by power failure, riot, strike or civil commotion but only those expenses you cannot claim from someone else.
- You will be covered for cancellation fees and lost deposits for pre-paid travel if your trip is impacted by a strike. You will also be reimbursed any reasonable expenses you incurred.
- Additional expenses. We will pay Your reasonable Additional accommodation expenses (room rate only) and Additional transport expenses, at the same accommodation standard and fare class as originally booked, incurred on the Journey due to an unforeseeable circumstance outside Your control and resulting from: disruption of Your scheduled transport because of riot, strike or civil commotion occurring after the commencement of the Journey provided You act reasonably in avoiding Additional costs.
How do Finder travel insurance partners deal with strikes?
Brand | Conditions for travel insurance for strikes | Apply |
---|---|---|
![]() Medibank |
| Bonus |
![]() Freely |
| Bonus |
![]() Zoom |
| Get quote |
![]() Fast Cover |
| Finder AwardBonus |
![]() Insure4less |
| Get quote |
![]() Travel Insuranz |
| Get quote |
![]() | InsureandGo will pay claims as follows:
| Finder AwardBonus |
![]() | Tick Travel Insurance will pay claims as follows:
| Finder AwardBonus |
![]() World2cover |
| More info |
![]() Cover-More |
| Bonus |
![]() Travel With Kit |
| More info |
![]() Travel With Jane |
| More info |
![]() Travel Insurance Saver |
| More info |
![]() Easy |
| Get quote |
![]() 1cover |
| More info |
![]() |
| Get quote |
![]() |
| Get quote |
![]() |
| More info |
![]() |
| More info |
![]() |
| More info |
Note: This information was last updated August 2022
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We typically use a bank credit card to be eligible for their card insurance which lists cover for overseas and interstate travel, domestic hotel burglary, transport accident, extended warranty, purchase protection and price protection. The rules state that cover is under a Master Policy issued by Chubb.
Are we in safe hands here please?
Hi David,
Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice or make specific product recommendations. Not knowing the bank that policy was issued through I can’t speak to how and when it would cover strikes but generally if the strike is planned and known in the media, you won’t be covered for costs associated with cancellation etc.
I hope this was helpful,
Richard