The recent disruption of flights to and from Bali due to the eruption of Mount Lewotobi Laki-Laki in Indonesia has brought to light the critical importance of travel insurance.
With several airlines like Qantas, Jetstar, and Virgin forced to cancel flights due to the volcanic ash cloud, many travelers have found themselves stranded. Natalie Ball, managing director at Comparetravelinsurance.com.au, stressed the benefits for those who had taken the precaution of purchasing travel insurance prior to the eruption.
“A basic travel insurance policy will not provide cover for travel delays or cancellation. They are often medical-only policies and are priced accordingly. However, many standard or comprehensive policies will provide cancellation cover and will reimburse you for any additional travel expenses incurred because of a natural disaster,” Ball said.
For Australians stranded in Bali after their insurance policy’s expiration, there is some relief as policies automatically extend to cover additional accommodation and travel expenses. However, Ball cautioned against excessive spending, noting that luxury expenses like first-class upgrades or penthouse accommodations might not be covered.
“Your policy will be automatically extended until you’re able to get home, which will cover for your additional expenses. Having said that, be wary not to overdo it,” Ball said.
As travelers grapple with the financial and logistical challenges posed by the volcanic ash cloud, Emeritus Professor Chris Elders of Curtin University said the broader implications of such natural phenomena on Bali travel are not to be underestimated.
"Mount Lewotobi Laki-Laki has been active since last December, with a significant increase in activity this November. Despite being located around 800km east of Bali on Flores Island, its impact on air travel is profound and highlights the ongoing risks associated with Indonesia's volatile volcanic landscape,” Elders said.
