Chile Protests

Travel insurance information for Zoom policyholders relating to the protests in Chile.


Issued: 21 October 2019

We are aware of the impact of protests, rioting and state of emergency which is currently affecting areas of Chile. The unrest, sparked by increased metro fares has broadened to reflect concerns over inequality and high living costs.

A state of emergency and night-time curfews have been declared by the government, and the military has been deployed in several cities, with protestors and rioters subject to live rounds of ammunition, tear gas, and water cannons. Subway and other public transport services have been suspended. 

We advise all customers who are travelling to, or are already in the affected areas, to take care and please do not hesitate to contact our emergency service if you require assistance. We urge all travellers to remain up-to-date with the latest travel advice for Chile from SafeTravel.

The following information concerns policyholders whose travel arrangements have been affected by this event.


  • If you have started your journey and your transport is delayed or cancelled or your accommodation is affected due to protests or rioting, there may be provision to claim for reasonable additional travel, accommodation and meal expenses.

  • We recommend you contact your travel agent or travel provider regarding the best option in altering your trip. Some travel providers may provide penalty free options to amend travel arrangements, and we recommend you contact them for further details.

  • Limits, conditions and exclusions apply under your policy and for full details you should refer to the Product Disclosure Statement (PDS) and Certificate of Insurance you received when you purchased your travel insurance.

If you haven't departed yet:
  • If you have not yet departed, your policy includes cover for cancellation of your journey, or the unused portions of your journey, if directly affected as a result of the protests and rioting. We do not cover for change of mind.

  • If your pre-booked travel arrangements are cancelled, delayed or rescheduled as a direct result of protesting and rioting and you have not yet departed, you may have provision claim for cancellation or rearrangement of your journey (whichever is the lesser).

  • We recommend you contact your travel agent travel provider regarding the best option in altering your trip. Some travel providers may provide penalty-free options to amend travel arrangements, and we recommend you contact them for further details.


Our policies do not cover claims for losses caused by something that you were aware of at the time of purchasing your policy. If you entered into a policy after 9AM on the 21st October 2019 we would expect that this was done with an awareness of this event. For these policies, we will not, to the extent permitted by law, pay any claim caused by or arising from or in any way connected with protests in Chile.


Stay safe, follow instructions from authorities and monitor the media closely.

In the event of a claim covered by your policy, you must take all reasonable steps to mitigate your out of pocket expenses, particularly when altering your trip arrangements (including seeking compensation from any travel service providers), and provide all supporting documentation of the event and expenses incurred.  By reasonable we mean appropriate and consistent—for example, if you have been using two-star or budget accommodation on your trip to date, then we advise that the replacement accommodation you seek should be of a similar standard.

We encourage you to follow the Ministry of Foreign Affairs and Trade (MFAT) current travel advice for Chile and register your details with SafeTravel.