Travel insurance will cover you for different things depending on whether you are taking a trip within Australia or overseas.
Common issues that travel insurance cover include:-
- Lost or stolen luggage or other items.
- Cancelling your trip unexpectedly due to illness, accident, holiday leave being revoked, or a natural disaster at home or at your intended destination.
- Rental vehicle excess you have to pay if you have an accident driving a hire car.
- Legal liability in the event you breach some law of an overseas country.
Specifically for domestic travel insurance, and in some cases overseas travel insurance, the insurance does not include medical cover. In addition to travel insurance, you might need to also consider health insurance.
In some cases there may be strict time limits. Any person who may have a claim on a travel insurance policy should seek advice as soon as possible to ensure a claim is lodged within time.
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