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What-your-travel-insurance-policy-may-not-cover-
By Dream Team Media
What your Australian Insurance policy may not cover.
So you are an Australian looking to overseas. You have decided to shop around and buy yourself a insurance policy. Most Insurance policies are comprehensive however there are possible exclusions.
Listed below are some of the possible occurrences that your insurance company may NOT cover unless the policy you purchase explicitly states that it will:
•You failed to meet your Duty of Disclosure. Eg you didn't advise the insurer of a pre-existing medical conditions or you against medical advice.
•You to countries that are not covered by your Insurance Policy. When in doubt it is wise to purchase the maximum level of cover for any areas you may be traveling to.
•Your airline stops trading and you can no longer travel.
•You participate in hazardous activities or in adventure sports unless explicitly covered by your Insurance Policy. The type of activities can include parachuting, sky diving and bungee jumping.
•You fail to adequately care for your belongings. Eg Your attended luggage at an airport gets stolen.
•You lose your money or your money is stolen. Many insurers don't cover cash or have limits on how much is covered and usually only allow claims if the cash was being carried on your person.
•Your valuable items such as computers, phones, cameras, etc that are stolen or damaged, if in a cargo hold of a ship, plane, train or bus. Valuable items should at all times be kept on your person or securely stored.
•Items stolen from unattended vehicles when not in a locked concealed compartment or locked boot.
•You will not be covered for change of
mind.
•You are over a certain age. Some insurance companies won't insure you if you are over 80 years old. Always check that the product you have purchased is correct for your circumstances.
•You try to cancel plans because of fear of terrorism or war. Many insurers will not cover you against terrorism or acts of war. In those that do it may be a condition that you take the policy out before the problem occurred and/or that you don't against Australian Government advice.
The Australian insurance product that you purchased, or are thinking or purchasing in Australia must be sold to you with a Product Disclosure Statement (Policy Document). Please make sure to read thoroughly to check what you are covered for during your trip. There should be a section in the document that outlines the "General Exclusions" of the product you have purchased. Please familiarize yourself with all aspects of your policy.
Australia Insurance wishes you a wonderful and safe journey. Article Source: http://www.upublish.info About the Author:
Dream Team Media
Australia Insurance Providing Premium online insurance at discounted prices.http://www.australiatravelinsurance.com.auhttp://www.travellerinsurance.com.au Ready to copy Article in either text or html format:
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