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Travel Insurance
Travel insurance is a type of insurance policy that provides financial protection and assistance to travelers for unexpected events or emergencies that may occur during domestic or international trips. It covers a range of scenarios, including medical emergencies, trip cancellations, lost luggage, and travel delays.
Key Features of Travel Insurance:
- Covers medical expenses incurred due to illness or injury during your trip.
- May include emergency evacuation and repatriation to your home country.
- Provides coverage for hospital stays, doctor visits, and prescription medications.
Types of Travel Insurance Policies:
Common Exclusions
- Pre-existing medical conditions (unless specified in the policy).
- High-risk activities or extreme sports (e.g., skiing, scuba diving) unless additional coverage is purchased.
- Traveling against government or medical advice.
- Losses due to negligence, such as leaving belongings unattended.
- Epidemics or pandemics (unless explicitly covered by the policy).
Why Travel Insurance is Important:


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Your duty to take reasonable care not to make a misrepresentation
When you apply for, renew, vary, extend or reinstate a consumer insurance contract, you have a legal duty to take reasonable care not to make a misrepresentation to the insurer. This means answering the insurer's questions honestly, accurately and completely. If you do not, the insurer may cancel your policy, reduce or refuse a claim, or treat the contract as if it never existed.
Before you buy
Read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for any policy before deciding. The PDS sets out what is and is not covered, the limits and the excesses. The TMD describes the class of customer the product has been designed for. We will provide the current PDS and TMD for any policy we recommend, or you can request them from us.
