7 Things You Can’t Claim on Your Travel Insurance Policy

Travel insurance is purchased for a specified period of time, chosen by the traveller and guaranteed by the premium paid. If you decide to extend your trip and do not extend with your travel insurance company, then you would not have provision to claim for any costs you incur during the period where your insurance has ceased. It is always a good idea to check with your insurance provider if there is any date cut-off for your policy like a Frequent Traveller Savers policy. It’s always a good idea to consider booking for a little longer period of time in case you need to extend while travelling. However, this may not apply if you are extending your travels due to a claimable event, in which case, most travel insurers extend your policy for free.*

If you do have a policy and it does not specify that you will be participating in Adventure Sports, then you would not have provision to claim for anything that is related to that sport. It is important to make sure that the sport or activity you will be participating in is something your travel insurance policy covers you for. Some companies allow you be covered automatically for activities and adventure sports at no additional premium. You will need to check with your travel insurance provider.  

If you leave your luggage and personal effects unattended while you are travelling and it is stolen, lost or damaged you may not have provision to claim for your items. It is important that you keep a reasonable eye, and care for your items to keep them safe. Absent-mindedness with keeping an eye on your luggage is most like not covered under your travel insurance policy.

It’s no secret Aussies don’t only travel for leisure or work but for medical reasons as well. From a breast augmentation in Bangkok, to cancer treatment in the United Kingdom or dental work in Russia, travelling for medical reasons; whether elected, planned or premediated procedures, cosmetic treatments or non-emergency treatment is not covered under your travel insurance policy.

As you can see, not all things are covered under your travel insurance policy. You will need to be forthright and upfront with your insurance provider to make sure you are covered for the type of trip you wish to take.