Travel Insurance

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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.
Reimburses prepaid, non-refundable expenses if your trip is canceled or interrupted due to covered reasons, such as illness, injury, or unforeseen emergencies.
Covers the loss, theft, or damage of personal belongings, such as luggage, passports, and electronics.
Provides compensation for additional expenses incurred due to significant travel delays, such as accommodation and meals.
Protects you against claims for accidental damage to property or injury to another person during your trip.
24/7 helpline for assistance with emergencies, such as finding a doctor, legal support, or arranging transportation

Types of Travel Insurance Policies:

Covers a one-time trip, typically lasting up to a specific number of days.
Ideal for frequent travelers, providing coverage for multiple trips within a year.
Covers travel-related incidents within your home country.
Provides broader coverage, including overseas medical expenses and international emergencies.
Designed for groups or families traveling together, often at a discounted rate.

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:

Medical care overseas can be expensive, and travel insurance ensures you’re covered for unexpected health issues.
Reimburses non-refundable expenses if your trip is canceled or disrupted
Reduces stress by providing assistance and financial security during unforeseen situations.
Some countries require proof of travel insurance for entry, particularly those with high healthcare costs.
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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.

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By submitting this enquiry form, you consent to Le Insurance contacting you by phone, email or SMS in relation to your quote request. Your personal information will be collected, used and handled in accordance with our Privacy Policy

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.