Am I covered if...?

  • My gear is lost, stolen or damaged

    Claims for luggage and personal effects are one of the most common claims from customers. Here are some tips to help you out if something happens to your luggage. The policy offers cover for permanently lost, stolen and accidentally damaged luggage items; however, there are conditions that apply...

  • Sports and activities we don’t cover

    If you choose to do any of the following you will still be covered for the rest of your trip, but not for claims arising from participating in any of these sports or activities. Activities on frozen lakes and rivers Bobsleighing/bobsledding Flying in an ultralight or glider Hang gliding Ice climbi...

  • Alcohol

    Holidays are about having fun and relaxing, so more than likely you’re going to have a drink or two. Cheers! But don’t overdo it. Everyone knows too much alcohol impairs judgment, affects motor skills and can make some people do some silly things. If you are injured or become ill and alcohol is fo...

  • Returning early

    If you need to cut your trip short for any reason, we can cancel the remainder of your policy but there is no refund. This condition is detailed in our Product Disclosure Statement on page 41. Cooling-off period: ‘You have up to 14 days from the time you are issued your Certificate of Insurance t...

  • Unsupervised Luggage & Personal Effects

    When you're at home, you wouldn't leave your mobile phone on a table in a restaurant while you go to the counter to pay, would you? In some places in Australia it may still be there when you get back but chances are it won't. You need to be even more careful when you're away. We often find that tra...

  • Insolvency

    Cover is excluded under the policy for claims arising from the failure of any travel agent, tour operator, accommodation provider, airline or other carrier, car rental agency or any other travel or tourism services provider to provide services or accommodation due to their insolvency or the insolven...

  • Other delays

    Your travel plans can change rapidly when your scheduled transport is affected by severe weather, natural disaster, riots, strikes or a civil commotion. You may need to make some quick decisions or spend some time online or on the phone trying to get some options. If you find yourself in this situa...

  • The monkey did it!

    You’re at the monkey forest in Ubud and are marvelling at the temple and serenity of the forest when you are approached by a family of monkeys. They look cute, you take out your camera, put down your sunglasses to take a picture and before you can click, the monkey has grabbed your sunnies and they ...

  • Am I covered for Mongol Rally, Rickshaw Run and Running with the Bulls...

    These activities have a high incidence of accidents, serious injury and, in some cases, death. Other activities by the Adventurists like Mototaxi Junket, World Cycle Race, Ice Run and Mongol Derby would fall into the same category of craziness. Even though millions of dollars have been raised for ch...