Disclaimer: The information provided here is for general informational purposes only and does not constitute financial or insurance advice. We do not guarantee the accuracy or completeness of this content. Coverage is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement (PDS). Before making any decisions, please review the PDS and Target Market Determination (TMD) available from the insurer to ensure the product suits your individual needs.

Countries with ‘Do Not Travel’ warnings or ‘Sanctioned countries’ are excluded from coverage. It is important to check if your destination is available before considering travel insurance. Additionally, travel is only permitted if there is no travel ban in place or if you have an exemption. If a destination has a ‘Do Not Travel’ warning for COVID-19, Our policies will not cover any losses arising from COVID-19 in that area. For the latest government guidance, visit smartraveller.gov.au and health.gov.au, and stay informed about travel insurance alerts that may impact your coverage.