AllClear is closely monitoring the escalating conflict in Israel and is aware of suspended routes to this region by several airlines.
Does our Policy give Coverage?
At AllClear we believe it is our role to assist our customers who are in distress in any way we can, despite the presence of war exclusions in our policies. Therefore, we will review all cases related to the events that occurred in Israel on 7th October 2023. Any claims for coverage under our policies will be adjudicated according to the terms and conditions of the policy you purchased.
The exclusions below are activated related to this event. For full details you should refer to the Product Disclosure Statement and Certificate of Insurance you received when you purchased your travel insurance.
We refer you to “GENERAL EXCLUSIONS” under ‘General exclusions apply to all sections of this policy.”
What you are not covered for
11) a) war, invasion, acts of foreign enemies, hostilities, or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion or uprising, blockade, military, or usurped power.
b) any act of terrorism not involving the use or release of or threat thereof of any nuclear weapon or any chemical or biological agents: i) this exclusion will not apply to Section 5 – Personal Accident or Section 6 – Medical Emergency Expenses provided that the Insured Person suffering personal accident injury or illness has not participated in or conspired in such activities, ii) provided also that in the event of benefit being payable the maximum payable in respect of any one claim or series of claims arising from a single act of terrorism or series of acts of terrorism occurring within a 72 hour period is $2,500,000 in the aggregate.
c) any act of terrorism involving the use or release of or threat thereof of any nuclear weapon or any chemical or biological agents: An act of terrorism means an act, including but not limited to the use of force or violence and/or threat, of any person or group(s) of person(s), whether they are acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purpose including the intention to influence any government and/or to put the public, or any section of the public at fear;
d) any loss, damage, cost or expense of any nature that results from or is in connection with anything mentioned in a), b) or c) above regardless of any other cause or event or sequence of events or any action taken in controlling, preventing or suppressing anything mentioned in a), b) or c) above; You are responsible for proving why this Exclusion, in whole or in part, should not be applied. If any portion of this Exclusion is found to be invalid or unenforceable, the remainder of it will.
If You Are Currently Travelling:
Please consider your safety first, follow advice from local authorities and the advice issued by the Department of Foreign Affairs and Trade (DFAT) via its website.
We encourage you to contact us for any required medical assistance. While changes to your travel or situation may not be eligible for coverage, we are available to assist you or direct you to appropriate resources. Similarly, if you have any questions or concerns about your policy, please do not hesitate to contact us. We can be reached 24/7 at 02 9333 3922 outside of Australia +61 9333 3922.
For Travel Arrangements Claims including Cancellation, Curtailment or Emergency Expenses:
If you are looking to change your travel arrangements, we recommend you contact your travel agent or travel provider to discuss your options. Some travel providers may provide penalty free options to amend travel arrangements, contact them directly for details. In addition, for travellers with future travel itineraries involving Israel who are considering purchasing products on or after 12:00am (AEST) on 9th October 2023, please be advised that given the formal declaration of war on 8th October 2023, coverage under our policies may likely be excluded.
If you have any other queries about your policy benefits, please contact our AllClear Assistance and Claims Line on 02 9333 3921 outside of Australia +61 9333 3921 where we can help you with any inquiry.
Important Notice
Any advice provided is general in nature and does not take into account of your particular needs and circumstances. Before purchasing the insurance, decide whether this product is right for you by reading the combined Product Disclosure Statement and Financial Services Guide available here. A Target Market Determination for this product is available here. We also recommend consulting with relevant governmental and local authorities, including checking the Smart Traveller website, before making any travel decisions – https://www.smartraveller.gov.au/disclaimer
This insurance is underwritten by the insurer Mitsui Sumitomo Insurance Company Limited (MSI), ABN 49 000 525 637, AFSL 240816. Europ Assistance Australia Pty Ltd (EAA) ABN 71140219594, AFSL 552106 holds a binding authority from the insurer, MSI to issue contracts of insurance and to deal with or settle claims on MSI’s behalf and as MSI’s agent.
AllClear Insurance Services Pty Ltd, ACN 165 270 066, trading as AllClear Travel Insurance, is an Authorised Representative (AR number 1311154) appointed by EAA to distribute and administer this insurance product.