Around 75,000 people escaped away from Bali’s only active volcano for fear of an eruption. What used to be a selfie-worthy and breath-taking scenery teeming with locals and tourists is now a picture of empty restaurants, diving schools and other tourism shops. Foreign and local visitors dying to plunge in Bali’s iconic beaches are equally worried about their travel.

In case you are one of those people who has booked on holiday to Bali or any destination that gets threatened by natural disaster, here are a few things you should know what gets covered by your travel insurance.

How do insurers define natural disasters?

Insurance providers usually define natural disasters as those occurrences like fire, flood, hurricane, tornado, volcanic eruption, earthquake, avalanche and blizzard. In general, these are unprecedented events caused by natural disasters. One thing to note, though, is that not all providers consider volcanic eruptions and avalanches as a natural disaster. In some cases, insurers do not cover “known events” or those that have never happened and are more likely to cause financial loss or harm if they do occur.

What are the benefits included in travel insurance for natural disasters?

 If a natural disaster threatens your trip, expect coverage on the following:

•    Missed connections or trip delays – With a travel insurance plan booked along with your ticket, expect repayment one trips are delayed, or flight connections are lost due to typhoons and other natural disasters.

•    Emergency medical evacuation – Insurers provide emergency medical evacuation assistance when you need to access immediate medical care abroad. You will then be transported towards the nearest medical facility where treatment or medical intervention can be obtained.

•    Trip cancellation or trip interruption – Mount Agung threat in Bali can lead to trip cancellation, and if you purchased travel insurance plan, you are more likely to receive reimbursements for your travel expenses depending on your policy.

•    Medical or dental care – If a natural disaster led to injury or death, your travel insurance could provide repayments to medical or dental facilities and interventions used or to your beneficiaries for a maximum amount set by your policy.

Why your travel insurance might not cover everything

There are two critical situations when your travel insurance might not be obliged to pay for your threatened trip. The first case depends on the wording of your policy. You might have purchased a standalone plan, but your policy might also not extend to certain benefits like additional meals accommodation costs, transport or even hospitalisation. Before buying a policy, take time to read terms, conditions and benefits. You can checkout GoBear’s travel insurance comparison tool if you want to secure your holidays against natural disasters.

The second situation highly depends on the date of purchase. If you paid for your plan before an anticipated disaster, then your planned trip will be covered. Pre-existing geological activities like volcanic eruption may not be included. If you are bound to Bali this month, then you should have bought your plan before threats of disruption occurred.

Planning a holiday blast with travel insurance is a guarantee that you will enjoy the trip with peace of mind. Know what you can get more from paying a few bucks for travel insurance plans. Compare offers with GoBear and secure your next journey!

Diana Fernandez

Diana Fernandez

A journalist by trade, previously a writing coach to budding journalists in the Philippines and a business writer in the Middle East, Diana is passionate about providing relevant, engaging, and informative content to help Filipinos choose the right financial product.