No insurance coverage if you travel against the advice of "any" government?

[Mattg]

I was reading through the PDS that comes with the travel insurance that now comes with my Bankwest credit card (since 1 October) via XCover. This general exclusion caught my eye (my bolding):

You're not covered...

For any claim arising from travel to a destination where the Australian Department of Foreign Affairs and Trade (DFAT) or any other government or official body has issued a travel advisory, where that advisory is rated 'Reconsider your need to travel' or 'Do not travel' (or equivalent), or recommends against all non-essential travel or specific transport arrangements or activities. For current DFAT advice, visit smartraveller.gov.au.

I understand that my Australian travel insurers won't cover travel to countries/regions that Smartraveller has listed as "Do not travel", and in some cases "Reconsider your need to travel". But any travel advisory from any other government or official body too?

So, for example, could they refuse a claim for travel to Japan because the Chinese government has advised against travelling there? Etc. etc.

I hope that this is not intended to be taken 100% literally any time someone makes a claim, but if so, is this not a bit of an unfair "gotcha" clause?

 

[RooFlyer]

I read that as any other government body etc in Australia.

If it is, I’d like that confirmed in an email from the insurer.

 

[DC3]

So, for example, could they refuse a claim for travel to Japan because the Chinese government has advised against travelling there?