Travel Insurance Direct

What Travel Insurance Doesn't Cover

It's important to be aware that all travel insurance has 'exclusions' - there are some things we just can't cover you for.

Claims involving alcohol


Silly or reckless behaviour


Sexually transmitted diseases


Ignoring Do Not Travel warnings 

All insurance policies have exclusions. Unlike other insurers though, we want to highlight some of the things you probably won't be covered for so that you can make the best decisions while on holiday. If you are still in doubt, please don't hesitate to ask us a question.

Silly or reckless behaviour

Look, riding a Harley overseas when you are drunk, high and don't have a helmet probably isn't the brightest thing to do. Leaping off a third floor balcony into the pool below might seem like a fun thing to do when you are 18 and overseas, except when you miss!

Neither of these events would be covered, even though there might be a travel insurance policy in place.

We witness enough tragedies as it is, so please think about your personal safety, your experience and your limits when you travel.

When alcohol is a factor

Crossing a street in Hanoi is hard enough when you are stone-cold sober and have your wits about you, but after a bottle of wine or a beer or two your judgement is impaired, sometimes with serious consequences. If something happens and alcohol is a factor, any claim is likely to be denied.

It happens.

When we can't cover your Luggage & Personal Effects 

So, you left your iPhone on a table in a bar while you went to the toilet and it wasn't there when you returned? Or you put your bag down beside your chair in a restaurant and it gets stolen?

You aren't covered if you leave items unsupervised in a public place and they get stolen, and this can mean anything from a beach, to an airport or an art gallery, to a hotel lobby.

Find out more about coverage for Luggage & Personal Effects

Thongs, shorts & motorcycles really don't mix

Firstly, while the idea might seem appealing, if you have absolutely no training and no experience at handling a two-wheeled machine at home, what makes you think you'll magically acquire those skills in a foreign country, where the roads are shoddy, the vehicles dodgy, and the congestion is mind-boggling?

Secondly, while thousands of visitors each year rent a motorcycle or scooter and ride around Southeast Asia totally unlicensed, if you don't have a proper license and have a crash it's pretty straightforward- you're riding illegally and you're not covered.

Learn more about what we cover for motorbikes

High Risk Activities

While there are lots of fun and exciting things to do overseas, like parachuting, if you deliberately put your life in danger or don't take reasonable care then you won't be covered.

In fact we don't cover most high-risk activities be they in the air (parachuting, skydiving, hang gliding), on the snow (Bobsleighing, snowrafting, ski acrobatics, skijoring, power-assisted skiing, ice hockey and ice climbing), or on solid rock (Mountaineering or rock climbing using support ropes).

Check here for an extensive list of all the activities we DO cover

When we can't cover pregnancy

Congratulations! Before setting off on a babymoon ensure you get the tick of approval from your doctor.

The TID policy won't cover childbirth overseas, even if it is premature, nor are you covered for pregnancy or related complications if you travel after 26 weeks, so don't plan to travel in the last trimester. Unfortunately, we don't offer coverage for multiple pregnancies (i.e. twins or more) after 19 weeks, fertility treatment, regular ante-natal care, or care of a newborn child.

Click here to learn more about Travel Insurance for Pregnant Women


We all look forward to our own travel plans, but occasionally circumstances conspire to throw these plans into disarray. The Australian Government provides good free travel advice - check their advice on where you are going before you leave, and listen to it.

If they advise DO NOT TRAVEL to a country (e.g. Somalia, anyone?) or even to a region or part of a country (like the Thai - Malaysian border), and you choose to ignore that advice, you do so at your peril. You won't be covered if you go there and anything happens to you.

Equally, if you decide for whatever reason that your chosen destination no longer sounds like the sort of place you want to visit but there isn't an Australian Government DO NOT TRAVEL warning to that country or region, you aren't covered for cancellation costs simply because you've changed your mind.

For example, a while ago, an earthquake in the Tohoku region of Japan had a DO NOT TRAVEL warning for that region, and you wouldn't be covered if you did go there. But if you had planned a holiday to Osaka and wanted to cancel that because you felt uncomfortable about your safety, then you aren't covered for cancellation costs.

Don't be a hero

From yet another coup in Thailand to student protests in China, riots and civil unrest are dangerous. Wandering around streets full of excited people or when grenades are being thrown around (true story) really isn't a good idea, and you're probably not covered if you could have reasonably avoided the unrest. You're definitely aren't covered if you take part and get hurt.

Interesting as it might be, if you find yourself in this situation, get off the streets and contact us for advice about what to do next.


If you meet a 'friend' to engage in sexual activity and as a result wake up in the morning with no bag, passport and a headache, it could still get a whole lot worse. Please be aware that we do not cover claims arising from Sexually Transmitted Diseases (STDs).

This is only a brief summary of what we don't cover and does not include the full terms, conditions, limitations and exclusions. Read the policy wording before purchasing.

Get a quote in 3 easy steps.