Limits and Exclusions

There are standard general exclusions on most types of travel insurance policies. These can include acts of civil unrest, self-inflicted injury, loss/theft of unattended baggage, loss/theft of cash, and pre-existing medical conditions.

Some travel insurance policies may be invalidated where injuries are sustained as a result of being under the influence of alcohol or drugs. Standard travel insurance policies may also exclude 'dangerous' or 'extreme' activity, such as snowboarding or surfing, rock climbing, kite surfing, hunting, bungee jumping and scuba diving. In some cases, you can pay an additional premium to cover such activities.

Generally, cover for luggage and personal belongings is limited and expensive items such as cameras, laptops and/or jewellery may have a per-item limit. In some cases, you can pay an additional premium to cover valuables to a pre-determined amount.