What isn’t covered by travel insurance?
Surprising situations not covered by travel insurance.
We all know the benefits of having travel insurance – cover for medical, cancellation, blah, blah, blah. But have you ever taken a closer look at your policy to see what's not covered? No?
1. Carrier caused trip interruption
If your flight is delayed because of a mechanical or scheduling fault caused by the airline, you won't be covered by your travel insurance policy.
"Whilst travel insurers will generally cover you for trip interruption due to things such as natural disasters and medical emergencies, they won’t cover you for costs arising from a problem with an airline such as mechanical faults or scheduling faults. However, if you are impacted – follow up with your airline directly, if they are liable they should offer compensation," Zaman said.
Did you know that most travel insurers don't cover terrorism? This means if something happens, you won’t be covered for any costs associated with an act or threat of terrorism. However, there are some insurers that will cover medical expenses.
3. Unsupervised luggage and personal effects
Think you'll be covered if your bag is snatched while you're in the bathroom? Nope. While theft is covered by most policies, you're not covered if the item is left unsupervised.
"Leaving your phone and wallet unattended at the beach whilst you go for a swim back home might not be a good idea, doing so overseas generally means you are not covered for any subsequent loss or theft. This can sometimes be chalked up to ‘the holiday effect’ whereby you’re having a great time (as you rightly should!) but then you let your guard down," Zaman said.
4. Pre-existing medical condition
Pre-existing conditions are a tricky area. Most insurers have a list of conditions that are automatically covered, some that can be covered for an additional cost and others that are excluded from cover. This is why it's important to do your homework before you go overseas. If you have to be treated overseas and it's for a pre-existing condition that's not listed on your policy, you could be up for huge medical bills that won't be covered by your insurer.
5. Change of mind
Cancel-for-any-reason cover has only just arrived in Australia with only one insurer, Cover-More, offering cover through its retail brands.
"Unfortunately most insurers won’t cover you if you simply change your mind and no longer want to go on your holiday. Example – that beach holiday to Thailand you had planned for June doesn’t seem as fun as you initially thought and now you want to go to Fiji in July instead – not covered," Zaman said.
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