What does travel insurance cover?

Depending on the policy you have chosen, travel insurance can cover you for unexpected costs that happen before or during your trip. This may include overseas medical and hospital expenses, trip cancellations or delays, lost or stolen luggage, and optional extras for activities like skiing, adventure sports, or motorcycle riding. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.