US travel warning: What Aussies need to know now

Australian travellers heading to the United States are being warned to prepare for potential delays and cancellations as the ongoing US government shutdown continues to affect key travel operations.

With reduced staffing across airport security, customs, and air traffic control, passengers are facing widespread delays, schedule changes, and last-minute disruptions at key US airports.

Travel insurers are advising caution, noting that not all policies will cover disruptions caused by the shutdown.

These types of delays are often considered operational issues, rather than unforeseen events, meaning they may fall outside the standard scope of cover.

However, cover can vary between insurers and will depend on each traveller's individual policy and purchase date. Those who bought their policy before the shutdown was announced may be eligible for certain benefits if their trip is disrupted, though each case will be assessed on its individual circumstances.

What to do if your flight is cancelled or delayed

While travel insurers may not cover government shutdown flight disruptions, travellers who experience flow-on disruptions such as cancelled flights or missed connections could have a case for certain benefits. It's always best to contact your insurer directly to understand what's included and what documentation you'll need if you decide to claim.

Travellers are also encouraged to stay informed by monitoring updates from their airline and official government advisories. Many airlines have flexible policies in place, offering options such as rebooking, flight credits or refunds. In most cases, passengers should contact their airline first, as travel insurance generally won't cover costs that have already been compensated by the carrier.

Timing is also crucial when it comes to purchasing travel insurance.

Generally speaking, once a major disruption is announced, it's usually classified as a 'known event,' meaning it's no longer considered unexpected, and new policies won't cover related losses. While it's often viewed as a grudge purchase, travellers should buy insurance as soon as they book their trip. Doing so protects them against the unforeseen situations, not ones that are already unfolding prior to purchase.

How to prepare for travel during a US shutdown

• Check the latest travel alerts from Smartraveller and the US Department of Transportation.
• Keep receipts and written confirmation of any cancellations or delays.
• Contact airlines first to request refunds, rebookings, or travel credits.
• Review your travel insurance Product Disclosure Statement (PDS) to understand exclusions related to government action or operational shutdowns.

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