For those travelling to Bali and have query on travel claim, please see below notice sent by AIG.
P/S: The below is only for info only. May varies between insurers. Please check with your insurer for more info.
On 23 September 2017, the Singapore Ministry of Foreign Affairs issued a travel advisory which indicated that with the increased possibility of the eruption of Mount Agung, Singaporeans should defer non-essential travel to the affected areas at this juncture.
With the advisory in mind, we would like to inform travellers to Bali that disruptions arising out of any volcanic activity in Mount Agung, including but not limited to the airspace closures in Bali, may not be covered unless your travel insurance policy was issued or travel insurance arrangements confirmed on or before 22 September 2017. Travellers who purchased or confirmed travel insurance cover on or after 23 September 2017 may not be covered as the event would not be considered ‘unforeseeable’, as the disruptions have been widely reported in the media from this date.
Hence, we would like to advise our travel insurance policyholders who purchased or confirmed their travel arrangements on or before 22 September to check their respective policies for the wording relating to eligibility, cover entitlement and the type of expenses that can be claimed. As always, we will assess any claims for cover for trip cancellation and additional expenses incurred based on the individual circumstances, as well the terms and conditions of the policy.
Please see the below for scenario examples.
Per Trip Plan Policies purchased on or before 22 September 2017
1. Insured wishes to file for travel cancellation – It will not be a payable event as volcano has not erupted and does not satisfy terms and conditions for claim under Travel Cancellation Benefit. 2. Insured decides to cancel the policy – We will arrange for full refund of premium. 3. Insured is travelling on 5 October but the volcano erupts on 4 October – Insured can file in for Travel Cancellation and we will assess claims according to Travel Guard terms and conditions.
Per Trip Plan Policies purchased on or after 23 September 2017
1. Insured wishes to file for travel cancellation – It will not be a payable event as MFA has already released the travel advisory and the potential of volcanic eruption is a known event which is excluded from coverage. Any other claims that are relating to the volcano eruption is excluded from coverage as well. 2. Insured decides to cancel the policy – We will arrange for full refund of premium. 3. Insured is travelling on 5 October but the volcano erupts on 4 October – It will not be a payable event as highlighted in point 1.
Annual Plan Policies
1. Insured wishes to file for travel cancellation – If travel arrangements were confirmed on or before 22 September 2017, it will be a payable event. The event is not covered if the travel ticket to Bali is purchased on or after 23 September.