Am I covered if I need to change my flight?

Depends on the reasons, your level of cover and options selected, we cover cancellation/rescheduling of flights for unforeseen/unexpected medical reasons, death of a relative, natural disaster, serious damage to your home in Australia, passport if lost/stolen and so on. Please read the PDS for more info (For cancellation, Section A- Page 19 & if the said expense is incurred after going on the trip, it will fall under Additional Emergency Expenses- Section C2, Page 24 )