Hong Kong continues to be plagued by widespread protests and civil unrest that has become unpredictable and expected to continue. As per current media reports Hong Kong Airport is closed or disrupted due to intensified protests at Hong Kong International Airport which have resulted in significant disruption, including the cancellation of flights. Our government website Smart Traveller advises to – Check your flight status on the Hong Kong International Airport website or with airlines directly. For Australians requiring consular assistance, please contact the Consular Emergency Centre +61 2 6261 3305 or the Australian Consulate +852 2827 8881. Our level of advice has not changed - 'exercise a high degree of caution'.

All claims relating to this conflict will be assessed based on your circumstances and in accordance with the Product Disclosure Statement (PDS) applicable to your policy level.

If your policy was purchased before 7am (AEST) on 7 August 2019 –

  • If you have commenced your trip and your transport has been delayed/cancelled there may be coverage for reasonable additional expenses for travel, accommodation or meals. All policy limits, conditions and exclusions will apply to any claim lodged.

  • If you have not commenced your trip and your transport has been cancelled, delayed or rescheduled you may have coverage for cancellation or the rearrangement of your trip (if this is less than the cancellation cost). You will need to contact your travel agent or transport provider to obtain any applicable refund, credit or confirmation of cancellation fees applicable. Your travel provider may offer free options to rearrange your travel. You must take all reasonable steps to mitigate your out of pocket expenses.

If you purchased your policy after 7am (AEST) on 7 August 2019 –

Our policy does not provide cover for any event you were aware of before your policy cover commenced. If you purchased your policy after 7am 7 August 2019 we would expect this was done with knowledge of the current event and therefore there would be no coverage for any claim which was a result of this event.

Please note this is a developing situation with possible military action that could affect coverage under the policy. We will provide updates as the situation unfolds