Most Australians are aware of the benefits of travel insurance to avoid expensive situations when things go wrong on holiday. However, there are some key elements to be aware of to ensure you’re adequately covered, and your claim will be paid should the worst happen.
To help you make the most of your travel insurance and avoid any pitfalls, we’ve compiled a list of the most common mistakes travellers make when buying travel insurance. Understanding these factors will help you avoid unpleasant surprises and make sure that you’re fully covered in various scenarios.
Alcohol consumption: know your limits

It’s five o’clock somewhere, right? It’s important to note that travel insurance policies often have exclusions regarding alcohol consumption. If alcohol is found to have contributed to an event resulting in a claim, such as a fall or lost phone, the claim may not be payable.
Insurers will consider supporting information, including medical reports and occasionally supplementary information like witness statements and bar bills, to further understand the causal impact.
Exercise caution when sipping that cocktail poolside, warming up with an après-ski tipple, or socialising with a local IPA, and you’ll be able to enjoy your next adventure, worry-free. Always read the fine print of your policy to understand how alcohol consumption can impact your coverage.
Personal possessions: secure your belongings

Leaving your personal possessions unattended on the beach or in other public places can lead to your claim being rejected. Travel insurance typically requires that you take “reasonable care” of your belongings. Make sure to secure your valuables in a safe place to avoid theft and potential claim issues.
Moped and scooter travel: ensure proper coverage

Riding a moped or scooter can be a fun and convenient way to explore your destination, but it can also be risky if you haven’t added it to your travel insurance policy. Many standard policies don’t cover moped or scooter travel unless specifically stated.
Ensure you have the appropriate coverage before renting a moped to avoid uncovered accidents or injuries. Generally, claims will only be covered if you meet the policy conditions, such as having the appropriate licence, choosing rides where the engine size stays within your policy limits, and wearing a helmet.
Skiing and snowboarding: stick to the trails

Adventurous activities like skiing and snowboarding can be exhilarating. Always ensure you’ve selected the appropriate policy add-ons to enjoy the slopes without stress. Make sure you check the fine print as certain snowy activities, including venturing off-piste, may not be covered.
Pre-existing conditions: disclose and confirm

Failing to disclose pre-existing medical conditions (PECs) can result in denied claims. It is crucial to inform your insurer about any health issues before purchasing your policy. Some insurers may offer coverage for PECs at an additional cost, providing peace of mind and financial protection during your travels.
Some of the most common PECs declared include high blood pressure, asthma, anxiety, hypertension, depression, and diabetes.
Travelling with equipment: protect your gear

Whether you’re a photographer with expensive camera equipment or a musician travelling with instruments, it’s important to check your travel insurance cover these items. Standard policies may have limitations on high-value equipment, so it’s essential to check and add extra coverage if necessary to protect your gear from loss, theft, or damage.
Medical emergencies: understand your coverage

Medical emergencies can be costly and stressful, especially when travelling abroad. Ensure your travel insurance policy includes comprehensive medical coverage, including emergency medical evacuation and repatriation. Knowing the extent of your medical coverage can save you and your family from significant financial burdens and provide crucial support in emergencies.
Trip cancellations and interruptions: know the terms

Trip cancellations and interruptions due to unforeseen events such as illness, severe weather, or family emergencies can disrupt your travel plans. It’s essential to understand the circumstances under which your travel insurance covers cancellations and interruptions.
Check if your policy covers non-refundable expenses and any penalties associated with changing your travel plans.
Rental car excess: check your policy

If you plan to rent a car during your trip, check if your travel insurance policy covers the rental car excess. Remember, being insured for the rental vehicle excess does not mean you are covered for the total value of the vehicle, or the total cost of any damage done to it. It is likely that the cost of your travel insurance policy is less than any rental car excess you’d have to pay if you were uninsured.
Several countries require Australians to hold an international driving permit (IDP), as well as a valid Australian licence, to drive overseas. These requirements can differ from country to country, state to state, and even from rental company to rental company.
Adventure and extreme sports: confirm coverage

If your travels include adventure sports like bungee jumping or white water rafting ensure your travel insurance covers these activities. Generally, you’ll only be covered if you use a licensed operator, follow their safety instructions, and wear all required safety equipment. Standard policies often exclude extreme sports and you may need specialist insurance coverage such as altitude specific insurance, for example, if you’re trekking in Nepal.
This article was initially published on So Perth.