Understanding destination travel warnings before you buy your policy

The Australian Government Department of Foreign Affairs and Trade issues travel advisories for destinations. These are published on the Smartraveller website.

Sometimes just part of a country has a travel warning. Other times the whole country has the same travel warning. It is important to understand how these travel warnings affect your cover when you purchase your insurance.

Partial country travel warning

If a destination has a ‘Do not travel’ or 'Reconsider your need to travel' warning, that affects just part of a country, we will highlight these in ‘orange’ on our website.

You will be able to purchase cover for this destination. However, you will not be covered* for any event(s) that relate to the 'Do not travel' or 'Reconsider your need to travel' warnings in these areas. 

The remaining parts of the country that do not have a travel warning of ‘Do not travel’ or ‘Reconsider your need to travel' will have the standard policy cover. 

Before purchasing this policy please go to the Smartraveller website to check the travel warnings.

Whole country travel warning

If a whole country has a ‘Do not travel’ or ‘Reconsider your need to travel’ warning, you may not be able to purchase cover for, or select this destination on our website.

If we decide to sell a destination where the whole country has a 'Do not travel' or 'Reconsider your need to travel' warning, you will not be covered* for any events that relate to these warnings anywhere in that country.

When selecting Worldwide as your destination

Worldwide is highlighted ‘orange’ on our website because some countries around the world may have a partial or whole country travel warning. 

Before purchasing this policy please go to the Smartraveller website to check the travel warnings for the individual countries you are visiting. 

If a destination has a ‘Do not travel’ or ‘Reconsider your need to travel’ warning that affects just part of a country, you will not be covered* for any event(s) that relate to the 'Do not travel' or 'Reconsider your need to travel' warnings in these areas. Please see the Partial country travel warning section above. 

If a whole country has a ‘Do not travel’ or ‘Reconsider your need to travel’ warning, you will not be covered* for any event(s) that relate to the 'Do not travel' or 'Reconsider your need to travel' warnings anywhere in that country.

* Except for: TravelCare Policy - Section D1.6

Terms and conditions apply under your travel insurance policy. Please refer to your policy wording or contact us at info@scti.com.au for further information.