Am I covered due to illness?

When it comes to loss of income, most policies will exclude cover if you're unable to work due to an illness. Some policies will not specifically state an exclusion for illness however it's vital that you check the fine print of your policy to work out when cover will and will not apply.

How does this protect my family?

Loss of income protects your family by still contributing income to your household while you’re unable to work. This benefit extends to your spouse or partner if they’re also listed on the policy. It doesn’t usually cover dependents.

Am I still covered if I receive a payment from Centrelink?

Your travel insurer may contact Centrelink and check for any benefits you've received for your inability to work. If you have, then this amount will be deducted from the payment your travel insurer pays you. Both Travel Insurance Saver and NIB Travel Insurance explicitly state this in their product disclosure statements.