Warning for would-be Bali travellers of possible Mount Agung eruption

Richard Laycock 20 September 2017

Tourists looking at active Bali volcano

With the possibility of a Bali ash cloud on the horizon, what happens with your travel insurance?

Trouble's brewing in Indonesia as the long dormant Mount Agung volcano looks like it may erupt.

If Mount Agung were to erupt, it could lead to another volcanic ash cloud over Bali, similar to the Mount Rinjani ash cloud that disrupted travel to the region last year.

Indonesia’s National Disaster Mitigation Agency (BNPB) raised the alert level status of Mount Agung from Waspada (level 2) to Siaga (level 3) on Monday 18 September 2017 Central Indonesian Time (WITA) .

In a statement for the BNPB, Sutopo Purwo Nugroho said that areas within up to 7.5 kilometres "must be empty of community activities." Those living in the area have been told to "prepare a bag containing clothes, food, valuables that will be used to evacuate if at any time Mount Agung erupted."

Mount Agung last erupted on 12 March 1963 and was responsible for the death of roughly 1,100 people.

No flights have been cancelled as yet and there have been no updates on the Australian government's Smartraveller website, but you should continue to monitor the situation if you're planning on heading to Bali.

But, will you be covered if your trip is affected by an eruption from Mount Agung? Below is a table of conditions relating to Mount Agung from Australian travel insurance brands.

Travel insurance brands offering cover for Mount Agung

Note: This table will be modified as travel insurance brands update their websites. Information last verified at 2pm Tuesday 07 November 2017.

BrandCoveredGet cover
Travel Insurance DirectExclusions on cover lifted from 3pm 30 October 2017.Get quoteMore info
InsureandGoExclusions on cover lifted from 3:20am 31 October 2017.Get quoteMore info
Tick Travel InsuranceExclusions on cover lifted from 3:20am 31 October 2017.Get quoteMore info
1CoverExclusions on cover lifted from 9am 6 November 2017.Get quoteMore info
DU insureExclusions on cover lifted from 9am 6 November 2017.Get quoteMore info
iTrekExclusions on cover lifted from 9am 6 November 2017.Get quoteMore info
Kango CoverExclusions on cover lifted from 9am 6 November 2017.Get quoteMore info
Simply Travel InsuranceExclusions on cover lifted from 9am 6 November 2017.Get quoteMore info
Ski-insurance.com.auExclusions on cover lifted from 9am 6 November 2017.Get quoteMore info
Under 30s Travel InsuranceExclusions on cover lifted from 9am 6 November 2017.Get quoteMore info
Zoom Travel InsuranceExclusions on cover lifted from 9am 6 November 2017.Get quoteMore info

Brands with exclusion still in place

Note: This table will be modified as travel insurance brands update their websites. Information last verified at 2pm Tuesday 07 November 2017.

BrandCoveredNot covered
Policies issued before 2pm Monday 18 September 2017.
Policies issued after 2pm Monday 18 September 2017.
Policies issued before 2pm Thursday 21 September 2017.
Policies purchased after 2pm Thursday 21 September 2017.
Policies issued before 7am Tuesday 19 September 2017.
Policies issued after 7am Tuesday 19 September 2017.
Policies issued before 10am Sunday 17 September 2017.
Policies issued after 10am Sunday 17 September 2017.
Policies issued before 10am Friday 22 September 2017.
Policies issued after 10am Friday 22 September 2017.
Policies issued before 2pm Thursday 21 September 2017.
Policies purchased after 2pm Thursday 21 September 2017.
Policies issued before 2pm Monday 18 September 2017.
Policies issued after 2pm Monday 18 September 2017.
Policies issued before 4pm Wednesday 20 September 2017.
Policies issued after 4pm Wednesday 20 September 2017.

“Sadly it became untenable for us to continue offering cover due to the circumstances,” Sylvester said.Travel Safety Expert Phil Sylvester said Travel Insurance Direct experienced a 200% increase in calls from customers regarding the eruption of Mt Agung.

What do these dates mean?

If you took out cover before Mount Agung was classed as a known event by the brands listed in the table, depending on your policy, you may have provision to claim for interruptions and delays caused in the event of a natural disaster such as a volcanic ash cloud.

If you enter into a policy after the date specified in the tables above, the travel insurance brand won't pay claims related to Mount Agung. However, this doesn't mean you won't be able to claim for situations not relating to Mount Agung.

If you have any questions about your cover, you should read through your product disclosure statement or contact the issuer of your policy.

Travel insurance news

Picture: Shutterstock: LifeInCaption / Shutterstock.com

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