Travel Insurance Online :: News
SHARE

Share this news item!

Unveiling Hidden Exclusions in Travel Insurance Policies

Legal Expert Advises Australians to Scrutinize Their Coverage

Unveiling Hidden Exclusions in Travel Insurance Policies?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

Australian travellers are being urged to carefully review their travel insurance policies to identify potential exclusions that could affect their coverage.
Legal expert Peter Carter from Carter Capner Law highlights that certain activities, such as riding motorbikes or jet skis and consuming alcohol, are often classified as high-risk by insurers.
Incidents occurring during these activities may lead to claim rejections.

Carter emphasizes that these exclusions are frequently embedded in detailed policy wording, which may not be immediately apparent to policyholders. He advises travellers to thoroughly read and understand their policy documents to ensure they are aware of any limitations or exclusions that could impact their coverage.

In cases of serious injury, travellers may need to seek legal compensation upon returning home. Carter notes that this process can be more straightforward if bookings were made through an Australian business rather than a small overseas provider, as it may provide better prospects for receiving the necessary compensation to cover ongoing expenses.

Additionally, there has been a rise in claims related to rabies treatment from Australians returning from Bali. Many incidents involve bites from dogs in regions designated as rabies red zones, including parts of south Kuta and Mengwi District. Local authorities have responded by expanding vaccination programs targeting stray dogs in tourist areas.

Zoom Travel Insurance's marketing manager, Natasha Sullivan, points out that some travellers are unaware of the time-sensitive nature of rabies treatment. For those not vaccinated against rabies, the first injection should be administered within seven days of a bite, followed by a schedule of four additional doses. Treatment costs can range from $3,000 to $10,000, depending on location, and access in rural areas may be limited, sometimes requiring relocation to another city or country.

Other wildlife-related incidents, such as monkey bites at tourist attractions in Bali and other parts of Southeast Asia, are also on the rise. These incidents further underscore the importance of understanding policy exclusions and ensuring comprehensive coverage before travelling.

Published:Wednesday, 12th Nov 2025
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

Share this news item:

Insurance News

Allianz Partners Highlights Risks of Travelling Uninsured
Allianz Partners Highlights Risks of Travelling Uninsured
12 Nov 2025: Paige Estritori
Recent research conducted by the Insurance Council of Australia (ICA) and the Department of Foreign Affairs and Trade (DFAT) has unveiled a concerning trend: approximately 14% of Australian travellers embark on international journeys without any form of travel insurance. This statistic has prompted Allianz Partners to urge Australians to reconsider the importance of securing adequate coverage before travelling abroad. - read more
Unveiling Hidden Exclusions in Travel Insurance Policies
Unveiling Hidden Exclusions in Travel Insurance Policies
12 Nov 2025: Paige Estritori
Australian travellers are being urged to carefully review their travel insurance policies to identify potential exclusions that could affect their coverage. Legal expert Peter Carter from Carter Capner Law highlights that certain activities, such as riding motorbikes or jet skis and consuming alcohol, are often classified as high-risk by insurers. Incidents occurring during these activities may lead to claim rejections. - read more
Qantas Travel Insurance Honoured with Mozo Experts Choice Award 2024
Qantas Travel Insurance Honoured with Mozo Experts Choice Award 2024
04 Nov 2025: Paige Estritori
Qantas Travel Insurance has been recognised in the 2024 Mozo Experts Choice Awards for Travel Insurance, showcasing its exceptional value for their Annual Multi Trip Travel Insurance policy. - read more
SCTI Highlights Top 10 Costliest Travel Insurance Claims of 2024
SCTI Highlights Top 10 Costliest Travel Insurance Claims of 2024
04 Nov 2025: Paige Estritori
Southern Cross Travel Insurance (SCTI) has unveiled its top 10 most expensive international travel claims made by Australian travellers in 2024, shedding light on the significant financial risks associated with unforeseen incidents abroad. - read more
Allianz Partners Highlights the Risks of Travelling Uninsured
Allianz Partners Highlights the Risks of Travelling Uninsured
27 Oct 2025: Paige Estritori
Recent research conducted by the Insurance Council of Australia (ICA) and the Department of Foreign Affairs and Trade (DFAT) has revealed a concerning trend: one in seven Australian travellers embark on overseas trips without any form of travel insurance. This statistic has prompted Allianz Partners to urge Australians to reconsider the importance of securing adequate coverage before travelling abroad. - read more


Travel Insurance Articles

Your Complete Guide to Understanding Travel Insurance Coverage
Your Complete Guide to Understanding Travel Insurance Coverage
Imagine you're on a dream holiday in Europe and suddenly fall ill. Without travel insurance, this unforeseen mishap could turn your trip into a financial nightmare. Unexpected travel mishaps can occur, from medical emergencies to lost luggage, and having travel insurance can provide a safety net. - read more
10 Must-Have Items in Your Travel Kit for Financial Security While Abroad
10 Must-Have Items in Your Travel Kit for Financial Security While Abroad
When it comes to travelling abroad, there's more to preparation than just packing the right clothes and booking your flights. For Australian travellers venturing overseas, assembling a financial travel kit is just as vital as a passport. This kit serves as your safeguard, ensuring that even when faced with the unpredictable, your journey remains as smooth as possible. - read more
Protect Yourself: Understanding Travel Insurance Fraud Risks in Australia
Protect Yourself: Understanding Travel Insurance Fraud Risks in Australia
Travel insurance fraud involves deceitful practices that take advantage of insurance policies designed to offer protection against travel-related risks. It can manifest in various forms, such as exaggerated claims or false reporting of lost items, aiming to gain an undeserved financial benefit from the insurer. - read more
Maximising Your Travel Budget: Tips for Australian Families
Maximising Your Travel Budget: Tips for Australian Families
Travel plays a significant role in family bonding. There's nothing quite like exploring new places together, creating lasting memories, and experiencing adventures that will be talked about for years to come. - read more
Top 10 Budget-Friendly Travel Gems for Aussies in Southeast Asia
Top 10 Budget-Friendly Travel Gems for Aussies in Southeast Asia
Welcome to a journey of discovery where the vibrant cultures, stunning landscapes, and rich history of Southeast Asia await. Australian travellers have long been captivated by the allure of our northern neighbours, seeking adventures that not only promise unforgettable experiences but also offer remarkable value for money. - read more


Your Travel Insurance quote comparison starts here!
First Name:
Postcode:

Insurance quotes are provided free and without obligation by a specialist from our national broker referral network. See our privacy statement for more details.


Knowledgebase
Subrogation:
The process by which an insurance company seeks to recover the amount paid to the policyholder from a third party responsible for the loss.