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My travel insurance has a standard travel warning exclusion that reads:

We do not insure you for any event that is caused by or arises from you failing to follow advice or take heed of a warning from:

 

− any government; or

 

− any official body; or

 

− any publication or broadcast by any member of the mass media; or

(This seems like overly broad language. Couldn't they just point to some fringe government that recommends never travelling anywhere ever to void any claim?).

As a result of the Easter terror attacks in Sri Lanka, the Australian government has issued a 'reconsider your need to travel' advisory.

I understand that I can't recieve specific legal advice here - but is there a framework for understanding/interpreting travel warnings and travel insurance?

My travel insurance has a standard travel warning exclusion that reads:

We do not insure you for any event that is caused by or arises from you failing to follow advice or take heed of a warning from:

 

− any government; or

 

− any official body; or

 

− any publication or broadcast by any member of the mass media; or

(This seems like overly broad language. Couldn't they just point to some fringe government that recommends never travelling anywhere ever to void any claim?).

As a result of the Easter terror attacks in Sri Lanka, the Australian government has issued a 'reconsider your need to travel' advisory.

I understand that I can't recieve specific legal advice here - but is there a framework for understanding/interpreting travel warnings and travel insurance?

My travel insurance has a standard travel warning exclusion that reads:

We do not insure you for any event that is caused by or arises from you failing to follow advice or take heed of a warning from:

− any government; or

− any official body; or

− any publication or broadcast by any member of the mass media; or

(This seems like overly broad language. Couldn't they just point to some fringe government that recommends never travelling anywhere ever to void any claim?).

As a result of the Easter terror attacks in Sri Lanka, the Australian government has issued a 'reconsider your need to travel' advisory.

I understand that I can't recieve specific legal advice here - but is there a framework for understanding/interpreting travel warnings and travel insurance?

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molypot
molypot
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What constitutes a travel warning in the context of exclusion of travel insurance coverage?

Tweeted twitter.com/StackTravel/status/1126185373045067778
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dwjohnston
dwjohnston
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What constitutes a travel warning?

My travel insurance has a standard travel warning exclusion that reads:

We do not insure you for any event that is caused by or arises from you failing to follow advice or take heed of a warning from:

− any government; or

− any official body; or

− any publication or broadcast by any member of the mass media; or

(This seems like overly broad language. Couldn't they just point to some fringe government that recommends never travelling anywhere ever to void any claim?).

As a result of the Easter terror attacks in Sri Lanka, the Australian government has issued a 'reconsider your need to travel' advisory.

I understand that I can't recieve specific legal advice here - but is there a framework for understanding/interpreting travel warnings and travel insurance?