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Papua New Guinea Travel Guide

Travelling to Papua New Guinea from Australia? Read Fast Cover's Papua New Guinea Travel Guide to learn the travel requirements for Papua New Guinea to help prepare and plan your trip.

Papua New Guinea Travel Guide

Travelling to Papua New Guinea is on many travellers’ bucket lists. Think diverse landscapes in the highlands, vibrant traditional cultural festivals, or diving in pristine coral reefs. If you're travelling to PNG from Australia, Fast Cover's Papua New Guinea travel guide provides essential travel advice and requirements, safety tips, and practical information to help you plan your trip to PNG and navigate around the beautiful destination. 

Any advice is general advice only and doesn't consider your personal circumstances.

Papua New Guinea Travel Advice Level Explained

If you're wondering about safety in Papua New Guinea, staying up-to-date with current travel conditions and travel advisories is always wise when planning your adventure.

Travel Advisories

Before leaving for your trip, make sure to check the latest travel advice for Papua New Guinea on the Australian Government's Smartraveller website for up-to-date travel advisories for Papua New Guinea.  

Travel Alerts

Fast Cover also monitors travel conditions and issues timely travel alerts to keep our customers informed and updated on situations that may impact their travel to Papua New Guinea.  

Learn more about how to choose a safe travel destination for your next holiday.

How to Prepare for a Trip to Papua New Guinea

Being prepared before you travel to Papua New Guinea can help you manage unexpected events more easily. These actionable tips can help you prepare for your holiday to Papua New Guinea. 

Check Travel Requirements

Ensure your passport is valid for at least six months beyond your planned departure date and check if you need a visa for Papua New Guinea. Tourist visas on arrival in Papua New Guinea are now available for Australian passport holders for stays of up to 30 days and at no charge. Entry and visa requirements for Papua New Guinea may change depending on the nature and duration of your trip.

Research Papua New Guinea Destinations

From the bustling capital Port Moresby to the highland cultural centres like Mount Hagen and Goroka, Papua New Guinea offers diverse experiences for every traveller. Research your chosen destinations to understand local conditions, cultural practices, and seasonal considerations.

Plan Your Activities

From trekking the famous Kokoda Track to diving in Milne Bay, Papua New Guinea offers unique experiences for everyone. Check if your planned activities are covered under your travel insurance policy, especially adventure activities.

Pack Smart

Papua New Guinea's tropical climate varies significantly between coastal areas and the highlands. Pack lightweight, breathable clothing for coastal regions and warm layers for highland areas where temperatures can drop significantly at night. Don't forget rain gear, as the wet season brings heavy downpours.

Organise Travel Insurance

Travel insurance for Papua New Guinea can provide cover for unexpected events like overseas medical emergencies, trip cancellation, or lost luggage. Fast Cover offers a wide range of policies for Australian travellers that can be customised depending on the travellers' individual needs, so you can make the most of your trip to Papua New Guinea.

Travel Documents

Organise your travel documents before you depart for your trip. Keep copies of your itinerary, flight tickets, passport, visas, accommodation details, tour and activity tickets, and any pre-arranged transport tickets. Don't forget your travel insurance policy and emergency assistance contact information.

Safety Advice for Travelling in Papua New Guinea

Travelling through Papua New Guinea can be an exciting adventure, particularly for those exploring beyond the main tourist areas. Staying alert and cautious can make a big difference in PNG. Use our Papua New Guinea travel guide to stay informed of general risks and safety tips. 

Crime and Travel Scams in Papua New Guinea

While Papua New Guinea offers incredible experiences, travellers should be aware of security risks and travel scams. For a more secure and pleasant adventure in Papua New Guinea when coming from Australia, learn about local safety matters and remain vigilant. 

Petty Crime
Petty Crime

Pickpocketing and bag snatching are common, particularly in urban areas like Port Moresby and Lae. Keep valuables secure, avoid carrying large amounts of cash, and be particularly vigilant in markets and crowded areas.

Unlicensed Tour Operators
Unlicensed Tour Operators

Be wary of overcharging, fake tour operators, and advance fee scams. Only use licensed operators and official services. Verify credentials before making payments.

Road Safety
Road Safety

Road conditions vary significantly, and driving standards may differ from Australia. Many roads become impassable during wet weather, and vehicle breakdowns are common in remote areas.

Violent Crime
Violent Crime

Papua New Guinea has high rates of violent crime including armed robbery, assault, and carjacking. Avoid displaying valuable items, travelling alone especially at night, and stick to well-populated, well-lit areas. Use reputable tour operators and accommodation providers.

Tribal Violence
Tribal Violence

Tribal fighting occurs regularly and can affect travel routes with little warning. Monitor local conditions and follow advice from local authorities and your accommodation providers.

Civil Unrest and Terrorism in Papua New Guinea

Civil disorder, rioting and looting can escalate rapidly in Papua New Guinea. With local level elections taking place between May and August 2025, there is increased potential for tensions and violence during this period. Stay informed about local political situations, avoid demonstrations and large gatherings, and follow advice from local authorities and the Australian government. 

Safety for Sports and Adventure Activities

From cultural festivals in the highlands to world-class diving in Kimbe Bay and challenging treks like the Kokoda Track, Papua New Guinea offers exciting activities for travellers. Ensure you have the relevant skills and safety equipment for the activities you will be participating in and follow your instructor's safety briefing. Be particularly aware of the physical demands of activities like the Kokoda Track, which requires good fitness levels and proper preparation. Consider taking out travel insurance to provide cover for your chosen activities in Papua New Guinea. Keep in mind, not all adventure activities are covered by travel insurance.

man surfing
Sports and Leisure Activities

Fast Cover’s list of Covered Sports and Leisure Activities provide cover for a wide range of activities.

people kayaking
Adventure Activities

Fast Cover's optional Adventure Pack provides cover for many more adventure activities for an added premium.

Always check the eligibility criteria, policy terms, conditions, exclusions and limits that apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Climate and Natural Disasters in Papua New Guinea

Papua New Guinea has a tropical climate, meaning it is warm and humid throughout the year. The country experiences two main seasons: a wet season from November to April and a dry season from May to October. Understanding Papua New Guinea's climate and natural geography will help you prepare for your trip. Remember, Fast Cover's travel alerts can also provide updates during severe weather events. 

Earthquakes

Papua New Guinea sits on the Pacific Ring of Fire and experiences regular seismic activity. While most earthquakes are minor, larger events can cause damage to infrastructure and trigger landslides in mountainous areas. 

Flooding

Heavy rain during the wet season can cause delays, particularly for smaller domestic flights serving remote areas. Flooding is common during the wet season and can disrupt transport and tourism activities. Many roads, especially in rural areas, become muddy or impassable after heavy rains, making travel more difficult.  

Tsunamis

Due to its location in a seismically active region, Papua New Guinea faces tsunami risks from both domestic and neighbouring earthquakes. Coastal areas are particularly vulnerable, and warning systems are in place to alert residents and visitors. 

Volcanoes

Papua New Guinea has several active volcanoes, particularly in the Bismarck Archipelago. While major eruptions are rare, volcanic activity can affect air travel and local communities. Monitor local alerts and follow evacuation orders if issued. 

When is the Best Time to Visit Papua New Guinea?

The best time to visit Papua New Guinea depends on what you wish to see, what you plan to do, and the kind of weather you prefer. The dry season from May to October offers the most comfortable conditions with lower humidity, mild temperatures, and minimal rainfall, making it ideal for outdoor exploration. 

Season 

Dry Season (May-October) 

Wet Season (November-April) 

Months 

May through October 

November through April 

Weather Conditions 

Cool and dry climate with lower humidity, mild temperatures, and minimal rainfall. Pleasantly cool mornings and evenings, especially in the highlands. 

Heavy rainfall and occasional storms. Affected by monsoons bringing high humidity and frequent downpours. 
person backpacking in greenery
Popular Activities in Papua New Guinea During the Dry Season
  • Cultural Festivals: Major events like the Mount Hagen Cultural Show and Goroka Show, held in August and September, offer unforgettable opportunities to witness Papua New Guinea's diverse cultural heritage.  
  • Trekking and Hiking: Trails such as the Kokoda Track are more accessible, with drier conditions reducing the difficulty of navigating through the rugged terrain. 
  • Diving and Marine Activities: In Milne Bay, the best visibility is from September to January, making it prime time for underwater exploration.
Popular Activities in Papua New Guinea During the Wet Season
  • Wildlife Watching: The wet season brings lush vegetation and active wildlife, though accessibility to some areas may be limited. 
  • Cultural Immersion: Many traditional ceremonies and festivals continue year-round, offering authentic cultural experiences. 
  • Indoor Cultural Experiences: Museums, art galleries, and cultural centres in urban areas remain accessible and offer insights into Papua New Guinea's rich heritage. 
     
culture in papua new guinea

Public Holidays in Papua New Guinea

Knowing Papua New Guinea's public holidays can help you avoid peak travel periods, crowded attractions, and increased costs while also giving you the chance to enjoy festive events. It’s also a handy way to ensure your itinerary accounts for closures and celebrations. 

Date 

Official Public Holidays in Papua New Guinea 

1 January 

New Year's Day 

26 February 

National Remembrance Day of the Late First Prime Minister, Great Grand Chief Hon Sir Michael Thomas Somare 

9 June 

King's Birthday 

23 July 

National Remembrance Day 

26 August 

National Day of Repentance 

16 September 

Independence Day 

25 December 

Christmas Day 

26 December 

Boxing Day 
Expand All

Ready to Embark on your Papua New Guinea Adventure?  

Explore the benefits and cover options available with Fast Cover’s travel insurance for your trip to Papua New Guinea.

Health Advice for Travelling to Papua New Guinea

Here's what you need to know about health risks, healthcare, and medication when travelling in Papua New Guinea. 

Health Risks when Travelling in Papua New Guinea

Papua New Guinea's tropical climate and geographic location pose some unique health risks. There are some common health risks to be aware of before you travel to Papua New Guinea: 

Food and Waterborne Illnesses
Food and Waterborne Illnesses

Tap water in PNG is not safe to drink. Travellers’ diarrhoea, giardia and dysentery are some of the illnesses caused by contaminated food and water. Only drink bottled or properly treated water and eat thoroughly cooked food from reputable establishments.

Tuberculosis
Tuberculosis

Papua New Guinea has higher rates of tuberculosis compared to Australia. Avoid close contact with individuals showing symptoms of respiratory illness.

Insect-Borne Illnesses
Insect-Borne Illnesses

Malaria is a risk in Papua New Guinea, and bugs like mosquitoes can spread a number of diseases including dengue fever, chikungunya, and Zika virus. Japanese encephalitis is also present. Use insect repellent, wear long sleeves and pants, especially from dusk to dawn, and sleep under mosquito nets.

Animal Bites and Stings
Animal Bites and Stings

Various marine life including box jellyfish, stonefish, and sea urchins pose risks in coastal waters. On land, be cautious of snakes and other wildlife.

Kokoda Track Trekking
Kokoda Track Trekking

A medical check-up is recommended prior to this strenuous trek due to the potential physical and psychological stress of heat, humidity and steep climbing through the remote Owen Stanley ranges. 
 

Healthcare in Papua New Guinea

Healthcare facilities in Papua New Guinea vary significantly between urban and rural areas. Major cities like Port Moresby and Lae have modern medical facilities, but remote areas may have limited medical services. Medical evacuation may be necessary for serious conditions. Emergency medical and hospital expenses can become costly for travellers. 

people waiting in a hospital
Fast Cover's Medical Benefits

Fast Cover’s international travel insurance policies include:

  • overseas 24/7 emergency medical assistance,
  • overseas emergency medical and hospital expenses,
  • overseas emergency dental, and
  • overseas emergency medical evacuation and repatriation

to help cover you if you become unexpectedly injured or sick while in Papua New Guinea.

plastic model of heart anatomy
Travel Insurance for Existing Medical Conditions

If you have an existing medical condition, Fast Cover may be able to provide some cover. You’ll need to complete a medical screening process online or call our Aussie based sales team.

To find out more about our medical screening process, and how the policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Medication in Papua New Guinea

Before you visit Papua New Guinea, make sure your medication is legal by checking with PNG authorities before travelling. When travelling to Papua New Guinea from Australia with medication, be aware that some medications may require special permits or customs clearance to bring them into Papua New Guinea. Follow these steps to prepare for travelling to Papua New Guinea with medication and avoid potential issues at customs: 

Check Papua New Guinea's Medication Regulations

Contact the Papua New Guinea embassy or consulate to verify that your prescription medications are legal to bring into the country.

Obtain a Permit for Restricted Medications

Some controlled substances may require special permits. Apply well in advance if needed.

Carry Documentation

Bring original prescriptions, a letter from your doctor explaining your medical condition and medication needs, and keep medications in their original packaging.

Travel Limits

Only bring the amount needed for your trip based on your prescription or permit.

Papua New Guinea Laws and Customs for Travellers

Understanding laws and customs in Papua New Guinea will help you avoid misunderstandings with locals and local authorities. Keep in mind that travel insurers generally don't cover you when your claim arises from breaking the law, so it's best to familiarise yourself with the local laws of the country before your trip to Papua New Guinea. 

Obeying Local Laws When Travelling Through Papua New Guinea

Respecting local laws is important for a trouble-free trip to Papua New Guinea. Below are a few common tips to follow to avoid legal trouble. 

Registration and Identification
Registration and Identification

Always carry your passport for identification. Registration with local authorities may be required for longer stays.

Use and Possession of Drugs and Alcohol
Use and Possession of Drugs and Alcohol

Papua New Guinea has strict drug laws with severe penalties for possession, use, or trafficking. Alcohol laws vary by province, with some areas having restrictions on sales and consumption.

Traffic Offences
Traffic Offences

Driving standards and road rules may differ from Australia. International driving permits are required for foreign visitors. Road conditions can be challenging, especially during wet weather. 

LGBTQIA+
LGBTQIA+

Same-sex relationships are illegal in Papua New Guinea, and LGBTQIA+ travellers should exercise caution and discretion.

Social Customs in Papua New Guinea

Respect and etiquette are important in Papua New Guinea. Follow these tips to help navigate social situations and show respect for local customs and traditions. 

Food and Restaurant Etiquette
Food and Restaurant Etiquette

Meals are often communal affairs, and sharing food is considered polite. Tipping is not expected but is appreciated for good service.

Payback
Payback

Customary justice systems of payback still operate in many communities. Avoid involvement in local disputes and seek guidance from your guide or accommodation provider if conflicts arise. 

Religious Sites
Religious Sites

Papua New Guinea is predominantly Christian, and modest dress and appropriate behaviour are expected when visiting churches and religious sites.

Public Displays of Affection
Public Displays of Affection

Conservative social attitudes mean that public displays of affection should be kept to a minimum, especially in rural areas.

Restricted Photography
Restricted Photography

Always ask permission before photographing people, particularly in traditional dress. Some cultural sites and ceremonies may restrict photography. 

Visa and Entry Requirements for Travelling to Papua New Guinea 

Tourist visas on arrival in Papua New Guinea are available for Australian passport holders for stays of up to 30 days and at no charge. For other visits, a visa is required for entry into PNG unless the visitor holds an APEC business travel card. For business visits or longer stays, you'll need to apply through Papua New Guinea diplomatic missions in Australia located in Canberra, Sydney, and Brisbane. 

As entry and visa requirements for Papua New Guinea may change over time, it is your responsibility to verify entry and visa requirements with the Papua New Guinea Embassy or diplomatic missions in Australia or other government authorities.

Passport Requirements in Papua New Guinea

Travelers need a valid passport that will remain valid at least six months after the date of arrival in Papua New Guinea. Make sure to renew your passport in advance to avoid travel disruptions. Learn how to keep your passport safe while travelling in Papua New Guinea. 

It is important to note that your travel insurance policy may not provide cover if you do not comply with Papua New Guinea's visa or other entry requirements. To help ensure you are prepared for your trip, you should research and understand the relevant entry conditions before you travel. 

Advice for Tourists Travelling in Papua New Guinea

Travelling to Papua New Guinea offers incredible experiences, but it's important to be well-informed about practical details like currency, staying connected and transport. For more information, visit the official Papua New Guinea tourism website. 

Currency in Papua New Guinea
Currency in Papua New Guinea

The Kina is the currency of Papua New Guinea. Check current exchange rates before travelling using reliable currency converters. 

Common Payment Methods in Papua New Guinea
Common Payment Methods in Papua New Guinea

Credit cards are accepted in major hotels and some restaurants in urban areas, but cash is preferred in rural areas and smaller establishments. ATMs are available in major cities but may be unreliable in remote areas. It's advisable to carry sufficient cash for your needs, especially when travelling outside Port Moresby and other major centres. 

Internet and Wi-Fi in Papua New Guinea
Internet and Wi-Fi in Papua New Guinea

Internet connectivity in Papua New Guinea varies significantly between urban and rural areas. Major cities have reasonable internet infrastructure with 3G and 4G mobile networks available. Wi-Fi is commonly available in hotels, restaurants, and cafes in Port Moresby and other major towns. However, internet speeds may be slower than what you're accustomed to in Australia, and connectivity can be unreliable in remote areas. 

Mobile Phones and eSIMs in Papua New Guinea
Mobile Phones and eSIMs in Papua New Guinea

Mobile phone coverage is good in urban areas and along major transport routes, but can be limited in remote and mountainous regions. Major mobile providers include Digicel and bmobile-vodafone. If you need reliable connectivity, consider purchasing a local SIM card or checking if your Australian provider offers roaming packages for Papua New Guinea. eSIM services are becoming available through some providers, but traditional SIM cards remain the most popular option for travellers. 

Travel Adaptors and Electronics
Travel Adaptors and Electronics

Papua New Guinea uses Type I electrical outlets (the same as Australia), so Australian travellers won't need a travel adaptor. The standard voltage is 240V with a frequency of 50Hz. Bring portable power banks as electricity can be unreliable in some areas or for long distance trips where you may not have access to reliable power sources. Consider bringing a universal adaptor if you have devices from other countries. 

What Should You Pack for a Trip to Papua New Guinea?

Planning what to pack for Papua New Guinea ahead of time will ensure you're well-prepared and have taken measures for a stress-free holiday when it comes time to go. Here's our guide on what to pack for your holiday to Papua New Guinea. 

Seasonal and Regional Packing

Papua New Guinea's climate varies significantly depending on the region, with notable differences between the coastal areas, highlands, and lowland rainforests. Generally, it is recommended to pack lightweight, breathable clothing for coastal areas and warm layers including a jacket for highland regions. Don't forget quality rain gear for the wet season and waterproof shoes with good grip. 

Consider using a TSA-approved luggage lock with a unique pin to keep your luggage secure and opt for tracking tags to keep track of your luggage location. These small measures can reduce the risk of potential loss or theft, which is particularly important given the higher crime rates in some areas of Papua New Guinea.  

luggage and personal items
Luggage and Personal Effects Insurance

Fast Cover's luggage and personal effects benefit may provide cover for theft, loss, or damage to your luggage and personal items. If you're travelling to Papua New Guinea with high-value items, you can declare many of them as specified high-value items to help cover them for more than what they are currently covered for under the standard policy terms and conditions. 

Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Transport in Papua New Guinea: Getting Around Papua New Guinea

Transportation in Papua New Guinea can be challenging due to the country's mountainous terrain, limited road infrastructure, and frequent weather-related disruptions. Ongoing fuel shortages can disrupt domestic travel, including air travel, with little or no notice. 

Riding a Motorcycle, Moped or Scooter in Papua New Guinea
Riding a Motorcycle, Moped or Scooter in Papua New Guinea

Motorcycles and scooters are popular forms of transport in Papua New Guinea, but road conditions and traffic can be hazardous. Helmets are required by law, and protective gear is strongly recommended due to poor road surfaces. Make sure to follow local traffic laws including wearing the appropriate safety gear. 

Rental Vehicles in Papua New Guinea
Rental Vehicles in Papua New Guinea

Rental vehicles are available in major cities through international and local companies. However, driving conditions can be challenging with poor road conditions, especially during the wet season. A 4WD vehicle is recommended for travelling outside urban areas. Make sure to follow local traffic rules and have the relevant licenses for driving in PNG. 

Buses
Buses

Public buses operate in major urban areas like Port Moresby and Lae, but services can be unreliable and may not meet international safety standards. Private minibuses or Public Motor Vehicles (PMVs) are commonly used for local transport but can be overcrowded and uncomfortable for longer journeys. 

Taxis and Ride-Sharing Apps
Taxis and Ride-Sharing Apps

Taxis are available in major cities, but it's advisable to use reputable companies or those recommended by your accommodation. Ride-sharing apps have limited availability compared to major Australian cities. Always negotiate fares in advance and use licensed operators when possible. 

Sea Travel
Sea Travel

Inter-island ferries and boats connect Papua New Guinea's many islands, but services can be irregular and subject to weather conditions. For safety, use established ferry companies and check weather conditions before travelling. 

Driving Permits and License Requirements

To drive in Papua New Guinea, travellers need an International Driving Permit (IDP) alongside their valid Australian licence. IDPs can be obtained in Australia before departure. Ensure you carry your IDP, Australian driver's licence, and rental vehicle insurance at all times when driving. 

man with helmet riding yellow scooter
Coverage for Riders and Passengers with Fast Cover's Motorcycle Pack

Fast Cover’s Motorcycle Pack is an optional extra available under our International policies that may provide cover to you for being the rider or passenger on a: 

  • Motorcycle,  
  • Moped, or 
  • Scooter. 
van near the beach
Fast Cover’s Rental Vehicle Excess Benefit

Fast Cover’s Rental Vehicle Excess benefit may provide cover for the rental vehicle excess component of your rental vehicle insurance with your car hire company in Papua New Guinea, up to the specified limit in your travel insurance policy. This benefit applies to a:  

  • Sedan, hatchback, or station wagon,   
  • Four-wheel drive or minibus/people mover, or  
  • A campervan or motorhome (up to 4.5 tonnes), 

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms).

Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Important Contact Information in Papua New Guinea

In any sudden crisis, having key contact numbers at your fingertips is truly invaluable. Be sure to secure these important details ahead of your journey to Papua New Guinea. 

Papua New Guinea International Country Code: +675

This code is vital if someone needs to reach you on a Papua New Guinea mobile number, especially when using services like an eSIM. For example, dial +675 followed by the local number to make a call. 

Emergency Contacts in Papua New Guinea
  • Police: 000 
  • Fire and Rescue: 000 
  • Ambulance and Medical Emergency: 000 
Government Contacts

Papua New Guinea Embassy in Australia 

  • Phone Number: (02) 6273 3322 
  • Address: 39-41 Forster Crescent, Yarralumla ACT 2600 
Fast Cover 24/7 Emergency Assistance
  • In Australia: 02 8320 7999 
  • Overseas: +61 2 8320 7999 

FAQs

Whilst Papua New Guinea is a destination for Australian travellers, changing civil, political and climate conditions may affect whether Papua New Guinea is considered a safe destination to travel to. It's important to stay informed about local conditions and follow safety advice from the Australian Government via Smartraveller and any travel alerts issued by your travel insurance provider. 

The ideal time to travel to Papua New Guinea depends on your interests and activities, but generally the dry season from May to October offers the most comfortable conditions with pleasant weather for outdoor activities and cultural events. The wet season (November-April) can be challenging due to heavy rains but offers unique experiences for those prepared for tropical weather conditions. 

Before you travel to Papua New Guinea from Australia, make sure to research your travel destinations and the activities you will do in Papua New Guinea, so that you can pack accordingly. Ensure your passport is valid and check visa requirements. Consider purchasing travel insurance for your trip to Papua New Guinea. Fast Cover offers travel insurance policies that can be customised with optional extras to suit many travellers' travel plans to Papua New Guinea. 

Papua New Guinea Travel Hub

Discover travel resources, advice and tips for your next holiday to Papua New Guinea.

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Travel Insurance for Papua New Guinea

Whether you're cruising along the coastlines, navigating remote villages on two wheels, or trekking inland trails, Fast Cover’s Papua New Guinea travel insurance offers different levels of cover to suit many types of travel in Papua New Guinea. 

 

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^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.