Policy exclusions

All travel insurance policies have exclusions and TID is no different. We however, prefer to highlight these to you so you are completely informed in the clearest possible way about what you are and aren't covered for. Below is a general description of the kind of exclusions in each section of the policy but please take the time to READ the Combined Financial Services Guide and Product Disclosure Statement (including Policy Wording) CAREFULLY to see all exclusions.

General exclusions

This section of the policy wording details the list of exclusions which apply to all sections of the policy. There are some terrifying events and circumstances covered by some of these exclusions such as war, nuclear accidents and attacks, biological and chemical terrorism or epidemics and pandemics. You will find these exclusions or ones like them in almost all insurance policies. Other exclusions relate to fraud and dishonesty, bankruptcy of your travel agent and losses arising when the insured person is acting in an irresponsible manner.

Medical Exclusions

(sections 1,2 and 3 in the Combined Financial Services Guide and Product Disclosure Statement)

Medical exclusions generally cover pre-exisiting conditions, medical treatment without the consent of the insurance company and medical bills in your country of residence.

Exclusions for baggage & personal effects

(section 4 in the Combined Financial Services Guide and Product Disclosure Statement)

These exclusions highlight losses that will not be covered for example wear, tear, damage to older personal effects and losses not reported to the police.

Liability Exclusions

(section 5 in the Combined Financial Services Guide and Product Disclosure Statement)

Exclusions here deal with incidents that are not covered within the policy, for example liability arising from the operation of mechanically propelled vehicles (bikes are OK) any professional activity or losses where the insured person accepts liability without agreement of the insurer.

Travel Insurance Guide

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North America including Hawaii, South America, Central America, Middle East, Arctic & Antarctic Circles.
Europe and the African continent (North Africa, Southern Africa and Egypt)
United Kingdom and Asia (UK, Ireland, Asia, Japan and the Indian sub-continent).
Tonga, Samoa, Papua New Guinea, Tahiti, Christmas Island and Cocos (Keeling) Islands
New Zealand, Fiji, Norfolk Island and Bali
for travel within Australia only

Not sure which region to choose?

Covers you and your dependent children or grandchildren under the age of 21 at the date of policy issue who are travelling with you.

Covers you and your travel partner named in the Certificate of Insurance and your dependent children or grandchildren under the age of 21 at the date of policy issue who are travelling with you.

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If you are not a citizen of Australia or a permanent resident, click here

Select your travel region

Hints & Tips:

When making the region selection, choose the region where you will spend the majority of your trip and this will also cover you for all other areas you travel to.

For example, if you are spending 3 days in Singapore, 2 weeks in the UK and 4 weeks in Europe, select 'Europe' as your destination and you will be covered in Singapore and the UK also.