Can I get travel insurance for an engagement ring?

Yes. Provided the value of the ring is within the maximum benefit payable under the policy, you can be covered for the value of the engagement ring. Finder received an enquiry from a user looking to take a $20,000 engagement ring on his and his partner's trip to Tahiti. Unfortunately, the maximum cover provided for high-value items from the insurance brands on Finder was $10,000 with Southern Cross Travel Insurance. If the value of the item exceeds the limit provided under the policy, you may be need to take out separate cover to ensure it is adequately protected.

Are cameras covered by travel insurance?

Yes. Your travel insurance policy will be able to provide cover for the cost of its repair or replacement if your camera is lost, stolen or accidentally damaged on your trip. However, you'll need to pay an excess if you make a claim and the claim limit (the cap on how much the insurer will pay you) differs between providers. Check with an insurer to find out the maximum amount they will pay for your camera and lenses. If your camera is worth more than $3,000, you will probably need to add on specified items cover.

Are laptops covered by travel insurance?

Yes. Most travel insurance policies will include at least some form of cover if your laptop is lost, stolen or damaged. However, you will most likely have to pay an excess when you claim . Insurers will also have a limit on how much they are willing to pay to repair or replace individual valuable items – often between $1,000 and $3,000. If you have an expensive laptop, it might be worth your while to increase the level of cover offered for your laptop and other specified valuable items. This can be done by paying an additional premium.