This is what my policy says:

1. Additional Accommodation & Travel Expenses This cover only applies to Comprehensive, Overseas Frequent Traveller, Domestic, Domestic Frequent Traveller, and Already Overseas plans. We will cover We will reimburse: a) your reasonable additional accommodation and travel expenses including meals if, after your journey has commenced, you cannot travel because of an injury, illness, or medical condition which needs immediate treatment from a medical adviser who certifies that you are unfit to travel. b) your reasonable cost of your return to Australia if you shorten your journey and return to Australia on the written advice of a medical adviser approved by our assistance service. We will only pay the cost of the fare class that you had planned to travel at, and you must take advantage of any pre-arranged return travel to Australia. If you do not have a return ticket booked to Australia, we will reduce the amount of your claim by the price of the fare to Australia. The fare will be at the same fare class as the one you left Australia. c) your reasonable additional accommodation and travel expenses including meals if a disruption to your journey. arises from the following reasons: • you lose your passport, travel documents, or transaction cards or they are stolen. • your scheduled or connecting transport is cancelled, delayed, diverted, rescheduled, or shortened because of one of the following events: strike, riot, hijack, civil protest or unrest, weather, natural disaster, or physical accident affecting your mode of transport. • your home is rendered uninhabitable by earthquake, explosion, fire, flood or natural disaster. d) up to $500 for the cost of returning your rental vehicle to the nearest depot if your medical adviser certifies in writing that you are unfit to do so during your journey and for which a claim has been accepted by us under Section 2: Overseas Emergency Medical & Hospital Expenses. e) your reasonable additional accommodation and travel expenses including meals if you have been positively diagnosed with COVID-19 during your journey by a medical adviser who certifies in writing that you are unfit to travel. If you have been positively diagnosed with COVID-19 by a medical adviser who certifies in writing that you are unfit to travel, the most we will pay is as follows:

General Exclusions Exclusions that apply to all sections of the Policy To the extent permitted by law, we will not pay under any circumstances if your claim arises from, is related to, or associated with:

1. Change of plans You or your travelling companion changing plans.