What constitutes a travel warning in the context of exclusion of travel insurance coverage?
My travel insurance has a standard travel warning exclusion that reads:
We do not insure you for any event that is caused by or arises from you failing to follow advice or take heed of a warning from:
− any government; or
− any official body; or
− any publication or broadcast by any member of the mass media; or
(This seems like overly broad language. Couldn't they just point to some fringe government that recommends never travelling anywhere ever to void any claim?).
As a result of the Easter terror attacks in Sri Lanka, the Australian government has issued a 'reconsider your need to travel' advisory.
I understand that I can't recieve specific legal advice here - but is there a framework for understanding/interpreting travel warnings and travel insurance?
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What is considered covered trip cancellation?
The covered reasons will vary by policy, but in general, the covered reasons for canceling a trip will include: Injury or illness of insured, travel companion, family member, or business partner. Hurricane or natural disaster strikes destination. Bankruptcy or financial default of travel company.Does Canada travel advisory affect travel insurance?
Following the Government of Canada's official travel advice will ensure your personal safety and security. If a Travel Advisory is issued for your destination, it may affect your travel insurance.What is not covered under travel insurance?
Losses due to venereal disease, AIDS virus, pregnancy (except complications of pregnancy), or abortion. Losses due to mental, psychological, or nervous disorders including anxiety, depression, neurosis or psychosis. Losses due to nuclear radiation or radioactive contamination.Is travel insurance valid if Government advise not to travel?
If the FCDO advises against travel to your holiday destination, your travel insurance will not provide cover if you travel against their advice. In this situation you should contact your tour operator or airline for the latest information.Travel Insurance: What Are Plan Exclusions \u0026 Limitations?
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