
Policy exclusions
All travel insurance policies have exclusions and Travel Insurance Direct 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 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 general 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.
Easy guide
- Travel Insurance Guide
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- Government Travel Warnings
- Safe travel: While you are away
- Travel Insurance Cover
- Compare Travel Insurance
- Policy exclusions
- Travel Insurance on a budget
- Travel Insurance Claims
- Travel Insurance for Seniors
- When things go wrong
- Safe travel: Before you go
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"straight through to customer service"
To my surprise when I rang customer service I got straight through. They were extremely helpful and able to answer all questions. I then proceeded to use the website to apply for my insurance which was easy to use and very quick. Thanks TID!!Renae, May 20, 2008
"good cover for laptops"
$4000 limit for laptops a winner. Easy to use website. Friendly professional help when I called. Underwritten by Allianz inspired confidence.larryoien | 21 June 2008
"questions answered in plain English"
The navigation through Travel Insurance Direct was a breeze and all the common questions were available at a click of a button. It was reasuring to have my question answered in plain english. Thank you.Alan, May 17, 2008
"name you can trust"
Excellent Insurer. Name you can trust!Jemma Evans, June 4 2008
"great value for money"
I worked in travel insurance industry for 5 years - this policy is great value for money and the web site was easy to use. Extra information was easily found in pull down areas, and comprehensive coverage for basic medical conditions was a winner for me. Could not believe the difference in premium from travel agent recommended - half the price! Highly recommended! Easy to use, and cover provided excellent. Will definitely be using when we travel again next year!bearypatch | 3/1/2008
"My claim got paid quickly"
I made a claim last year and it got paid with no problem at all - all of it within 10 working days. They provide peace of mind and that's what I'm looking for in an insurance company.McLachlan, May 13th, 2008
"claim handled swiftly"
Members of my family have been using TID for a number of years now. The benefits and price combined with the user friendly website were our initial reasons for choosing TID over several other companies we'd compared. The proof of the pudding, however, came recently when we had our first claim. It was handled efficiently and swiftly to our utmost satisfaction.Jillian | 8 June 2008
"good on dial-up connection"
I found the Website very easy to use and navigate, which is great seeing that I am stuck with a real slow Dial Up connection. Thanks for providing a good product.David Rae | 4 June 2008
"50% cheaper than travel agencies"
So many times I've compared TID's offering with what my travel agent recommends. But TID is always 50% cheaper - and the limits are often higher than the competitors' products. I think I can stop wasting my time comparingPogie, May 7, 2008
"Trust in Allianz"
We always use Travel Insurance Direct and have recommended it to a number of our friends who also now use it. Although we've never had to make a claim we have peace of mind when travelling and trust in Allianz who we have dealt with for other domestic insurance claims. Thank- you Travel Insurance Direct.Vicki10 | 1 June 2008
"Claims staff were helpful"
On one of my trips I needed to make a claim. I found the staff helpful and informative as they explained the claims process and timeframe. They were true to their word and I never once needed to hassle them for a response.Robyn, May 4, 2008
"good FAQs"
Easy website to use and good explanations in the FAQs. I find they are very helpful on the phone if you're not sure of anything.GeoffreyNielsen | 31 May 2008
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