Bali's Mount Agung is on the verge of erupting.
And when volcanoes erupt in one of Australia's favourite holiday destinations, it normally means the travel plans for thousands of Aussies are thrown into chaos.
So if you've got a ticket to head to Bali in the next few weeks, what should you do? And will your travel insurance cover you if Mount Agung does erupt?
Major airlines haven't cancelled flights … yet
Here's what the major airlines are saying:
TL;DR? It's best to check with your airline before you go just to be safe.
Should I cancel my trip?
Unless you planned to travel near the volcano, you're fine.
Mount Agung is located in Bali's northeast, and an exclusion zone within 9km of the crater or within 12km to the north, north-east, south-east and south-south-west, where lava flows could reach has been created.
Officials in Bali said there is no current danger to people in other parts of the island, including the areas popular with Australian tourists.
The Department of Foreign Affairs and Trade has warned Australian travellers to check in with their airline before travelling on, but said the overall level of travel advice to Bali has not changed.
"Exercise a high degree of caution in Indonesia, including Bali," the the Smart Traveller website reads.
In light of the potential eruption, it also recommends you:
- Make contingency plans in case you are affected
- Make sure you have access to additional money
- Contact your airline or travel insurer for assistance
Will my travel insurance cover me if I get stuck?
Natalie Ball, Director at Comparetravelinsurance.com.au said this is the kind of thing you'd get travel insurance for, "assuming you purchased a comprehensive policy, before the event was known in the mass media".
There are exceptions though.
Ms Ball said certain insurance companies will not cover for natural disasters surrounding volcanic activity at all.
"While we strongly recommend obtaining travel insurance no matter where you're headed to, you should always read your policy to understand any relevant exclusions that could blow your cover," she said.
Crucially, you need to have already purchased your travel insurance if you're going to be covered for a potential Mount Agung eruption.
If you purchased your insurance before September 15, before the potential eruption became a 'known event', you'll be fine.
Beyond that, it's best to check with your individual insurer.
This is a bit much. Will insurance cover me if I decide to cancel?
You're out of luck, according to Ms Ball.
"Change of mind due to upgraded travel warnings are not covered," she said.
What should I do if I get stuck?
Here's Ms Ball again:
"In the event of a claim that would be covered by your chosen insurer, take all reasonable steps to mitigate your out of pocket expenses, particularly when altering your trip arrangements and provide all supporting documentation of the event and expenses incurred," she said.
"By "reasonable" insurers tend to 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."
What happened last time Mount Agung erupted?
The last eruption was in 1963 and killed more than 1,100 people.
Ash was hurled more than 20 kilometres in the air and even reached Jakarta, over 1,000 kilometres away.
At the time Agung remained active for about a year.
Experts say that was a massive eruption, far bigger than anything recently seen in Indonesia.
It's why authorities have spent the last several days evacuating more than 35,000 people (it could grow to 70,000) from areas that might be affected.