No. Travel insurance policies do not normally cover claims caused by war or armed conflict.
This endorsement modifies that exclusion and provides limited cover in specific situations.

This endorsement introduces two levels of cover:

• Part A (included automatically):
  Medical and personal accident cover if a traveller is unexpectedly caught in war or armed conflict while overseas
• Part B (optional upgrade):
  Cover for additional travel and accommodation costs if the trip is disrupted by a new and unexpected event while travelling

Part A provides medical protection only.
It does not include any cover for disruption, cancellation, or rearranging travel plans.
Part B builds on Part A and provides cover for additional travel and accommodation costs if the trip is disrupted while travelling.

This endorsement provides limited cover in relation to war or armed conflict in specific situations.
Part A provides medical cover if a traveller is unexpectedly affected, and Part B provides cover for disruption to travel plans caused by a new and unexpected event.

• Part A provides medical cover if a traveller is unexpectedly injured as a bystander in war or armed conflict.
• Part B provides cover for disruption to travel plans caused by a new and unexpected event

IMPORTANT: It does not provide full or comprehensive war cover.

Yes — as part of this endorsement (Part A).
If a traveller is unexpectedly injured as a bystander in war or armed conflict while overseas, medical and repatriation benefits apply.

Cover applies only when:

• the traveller has departed, and
• a new and unexpected event occurs, and
• it directly disrupts their trip, and
• the traveller is in or travelling through the affected area at the time
• the traveller is not actively involved in the conflict
• before arriving in the area, it was not subject to a Government “Do Not Travel” warning where the traveller resides

“Actively involved” means taking part in war, armed conflict, hostilities, violence, military action, rebellion, civil unrest, or similar activity.

This may include fighting, carrying weapons, joining an armed group, participating in violent protests or civil unrest, providing operational support, or travelling to an area for the purpose of taking part in the conflict.

Cover is intended for travellers who are unexpectedly affected as bystanders, not people who choose to participate in the conflict.

No. There is no pre-departure cover for war or conflict under this benefit.
Other options, such as CFYR, may apply depending on the circumstances.

This cover does not apply.
It is strictly for on-trip events only.

The event must not have been known, ongoing, or reasonably foreseeable before the traveller departed.

Part B helps cover additional costs incurred during the trip due to disruption, including:

• Additional transport (flights, transfers)
• Additional accommodation
• Reasonable costs to reroute or continue the trip

No. Part B is limited to additional travel and accommodation costs caused by a covered disruption event.

Other expenses, such as meals, phone charges, internet, data roaming, communication costs, clothing, personal items or other incidentals, are not covered under this benefit.

Yes, where it is necessary due to a covered disruption event.

No. This cover is for additional costs only, not prepaid or unused travel arrangements.

• Events that were known or ongoing before departure
• Any continuation or escalation of those events
• Cancellation or changes before departure
• Prepaid or unused travel arrangements
• Costs recoverable from airlines, hotels or other providers
• Provider failure (e.g. airline not honouring booking)
• Security evacuations or private extraction services
• Participation in war or armed conflict
• Claims that are covered under another section of the policy
• Travel disruption caused by airline or transport provider operational decisions, unless directly caused by a covered event

No.

• Medical evacuation (where medically necessary) may be covered under Part A
• Security or military evacuation and extraction services are not covered

No. There must be a specific disruptive event affecting the trip.

An event that was already occurring, announced, or reasonably foreseeable before the traveller departed.

A war or conflict is considered a known or ongoing event if it has already started, been announced, or is reasonably foreseeable before the traveller departs.

You should consider:

• whether the event is already widely reported in the media
• whether it has been officially announced or is actively occurring
• whether it is part of an existing or developing conflict
• whether the destination is subject to a government “Do Not Travel” warning where the traveller normally resides
• whether the situation could realistically impact travel plans

If a situation is already in progress, or is a continuation or escalation of an existing conflict, it will generally be treated as a known event and not covered under this benefit.
Where there is uncertainty, each claim is assessed based on the specific facts and timing of the event.

“Reasonably foreseeable” means a situation where a person could reasonably expect an event to occur based on available information before departure.

This may include:

• clear media coverage of escalating tensions or conflict
• events that have been announced or are actively developing
• government warnings or travel advice, including Government advisories in the country the traveller normally resides

It does not require certainty that an event will occur. If there are clear signs that a conflict is developing or likely, it may be considered reasonably foreseeable.
General political statements or commentary, without real-world escalation, would not usually be considered reasonably foreseeable.

No. It is considered a known and ongoing event, including any continuation or expansion.

If it is part of the same underlying conflict, it is treated as the same event and is not covered.

A separate and unrelated outbreak of conflict, not connected to an existing event, may be considered new.

The policy does not define a specific end point.
Claims are assessed based on the circumstances at the time, including whether the event was new and unexpected and occurred after departure.

There is no single fixed point at which a war or conflict is considered to have ended for coverage purposes.

For significant or widely known conflicts, Go Insurance will notify distributors when we consider the event is no longer being treated as a current or known event for the purpose of this cover.

Until that time, any continuation, escalation, expansion, or direct consequence of that conflict will generally continue to be treated as part of the same known event.

Each claim will still be assessed based on the specific facts and timing of the event.

Claims are assessed based on:

• whether the event was new and unexpected
• whether it occurred after departure
• whether it directly disrupted the trip
• whether the traveller had the appropriate cover (Part B for disruption)
• whether costs are reasonable and necessary

Refunds, credits, or reimbursements are taken into account.
We cover the remaining out-of-pocket costs only.

No. Only the net additional cost after refunds is considered.

They are expected to take reasonable steps to recover costs.
Failure to do so may impact the claim.

Yes, if Part B (optional upgrade) has been selected and:

• the event is new and unexpected
• it occurs after departure
• costs cannot be recovered

Yes Part B (optional upgrade) is taken out and if necessary, due to disruption.

If Part B (optional upgrade) is taken out and only if there is a specific disruptive event affecting the trip after departure, not general concern.

Yes, this may be covered under Part A (included automatically), provided:

• the traveller is already overseas and in transit at the time, and
• the event meets the policy definition of war or armed conflict, and
• the traveller is not actively involved in the conflict

If these conditions are met, cover may be available for necessary medical treatment and emergency assistance, including repatriation where required.

Standard policy benefits are assessed first.
This cover applies where those benefits do not respond.

No. It applies only after departure.

CFYR applies to pre-departure cancellation, not on-trip disruption.

Pricing is based on:

• destination
• trip duration
• policy type (single trip or annual multi-trip)

Part A is included automatically at no additional cost because it provides limited medical and personal accident cover if a traveller is unexpectedly caught in war or armed conflict while overseas.

Part B provides broader financial protection for additional travel and accommodation costs if a trip is disrupted by a new and unexpected event. This creates a different level of risk and potential claim cost.

Because not every traveller will want or need this additional protection, Part B is offered as an optional upgrade. This allows customers to choose whether they want the extra disruption cover and only pay for it if they select it.

This helps keep the base policy price more affordable while still giving customers the option to add extra protection if it suits their trip.

• It can be added to all cover levels (Basic, Plus, Elite and Ultra) at policy purchase
• Before departure

It cannot be added after the trip has started.

Yes. This cover can be added to an existing policy before the trip has started.

• Part A can be added at no additional cost
• Part B can be added for an additional premium

Not automatically.
This cover applies to war or armed conflict as defined in the policy. A standalone terrorist incident would not usually be covered under this benefit.
However, if a terrorist act forms part of a broader war or armed conflict event and meets the policy definition, it may be considered.

A formal declaration of war is not required.
Cover may still apply if the event meets the policy definition of war or armed conflict, including hostilities, civil unrest at scale, or similar events. Each situation is assessed based on the facts at the time.

General instability or isolated incidents are not enough on their own.
There must be a defined event that directly disrupts the traveller’s trip and meets the policy definition of war or armed conflict.

This would not be covered.
There must be a specific disruptive event affecting the traveller’s itinerary, not just concern or precaution.

Claims are assessed based on:

• the policy definition of war or armed conflict
• whether the event was new and unexpected
• whether it occurred after departure
• whether it directly impacted the trip

Each claim is assessed on the facts available at the time.