Hidden Exclusions in Travel Insurance: What Australian Travellers Need to Know
Ensuring Comprehensive Coverage for Your Overseas Adventures
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Australian travellers are being urged to carefully review their travel insurance policies to identify potential exclusions that could affect their coverage.
Legal expert Peter Carter from Carter Capner Law highlights that certain activities, such as riding motorbikes or jet skis and consuming alcohol, are often classified as high-risk by insurers.
Incidents occurring during these activities may lead to claim rejections.
These exclusions are typically detailed in the fine print of policy documents, which many travellers may overlook. Failing to understand these limitations can result in unexpected financial burdens if an incident occurs that is not covered by the policy.
In light of this, it's essential for travellers to thoroughly read and comprehend their insurance policies before departure. Pay special attention to sections outlining exclusions and limitations. If any terms are unclear, seek clarification from the insurer or a qualified insurance broker.
Additionally, consider the nature of planned activities during your trip. If engaging in activities deemed high-risk, such as motorbike riding, ensure that your policy explicitly covers these scenarios. Some insurers offer optional add-ons or specialised policies that provide coverage for such activities.
By proactively understanding and addressing potential exclusions in travel insurance policies, Australian travellers can better protect themselves against unforeseen events and enjoy their journeys with greater confidence.
Published:Saturday, 11th Oct 2025 Source: Paige Estritori
Please Note: If this information affects you, seek advice from a licensed professional.
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