Most travellers believe they are covered for everything including the kitchen sink, when they purchase a travel insurance policy. This is just not the case! Travel insurance can’t cover you for every possible thing. You will need to check with your insurance provider to see whether they will cover you for your trip needs. There may be an excess, cut-off or clause on the policy, so be sure to check with your insurance provider whether you have provision to claim.
*Benefits are subject to the policy terms and conditions. Any information provided is general only. Always refer to the PDS for more information.
7 things you can’t claim on your travel insurance policy
In November 2018, 10.5 million Aussies travelled overseas, a 6.9% increase from the previous year. Given that the current population of Australia is 25,240,869 as of January 2019, this is a large chunk of Aussies going on overseas trips. Out of the 10.5 million, about half would have purchased or have complimentary travel insurance cover with either an insurance provider or the credit card provider.
Not all activities and trip types are covered under an insurance policy, and it is important that you check with your travel insurance provider whether they can cover you for your trip.
Here are a few situations you are NOT covered for with your travel insurance policy:
If you travel for medical reasons
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.
