What is not covered by travel insurance?

Travel insurance is designed to cover you for unexpected events. Generally speaking, anything that has already happened (e.g. an already erupting Bali volcano causes flights to be cancelled) or is likely to happen (e.g. going to hospital for an existing medical condition not listed as covered on your policy), would not be covered and are things you cannot claim.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).