Travel insurance doesn't protect you from yourself
Your claim can be denied if the insurer finds that you failed to take care or act responsibly. Consider this before you have a few too many drinks on your trip or jump on a moped without a helmet.
Rules about renting motorcycles and scooters on your holiday
Did you know that travel insurance will only cover you if you're riding with an Australian motorcycle licence, or a valid licence in that country? You also need to be wearing a helmet and stick to a specific engine size.
You might need to pay more for certain activities
You'll need to pay extra for some high-risk activities such as skiing and motorcycling. This can be added when applying online. You'll find that most Australian insurers have a list of activities found in the PDS which are included for free.
How travel insurers treat natural disasters
Travel insurance can cover cancellations and injuries that arise from natural disasters depending on your policy type and when it was issued. If you buy your policy after the natural disaster becomes a "known event", you won't be covered.
Don't make assumptions when it comes to claims
If you're unsure about what to do when the unexpected happens, most insurers have a 24/7 emergency assistance line that you can contact. They will advise you on the right steps to take and help start your claim process.
It's important to know that travel insurance doesn't cover everything. Check out our guide for a list of common exclusions from Australian travel insurers.Back to top