Travel Checklists

Travel Insurance Basics

Understand common travel insurance considerations including cancellation, medical cover, baggage, exclusions and timing.

Cancellation, overseas medical, baggage, travel delay, personal liability and emergency assistance.

Consider insurance soon after making a booking, especially if cancellation cover is important.

Travellers who want to understand common insurance considerations before relying on a policy.

Review cover before payment deadlines and again before departure if your itinerary changes.

Policy limits, exclusions, excesses and pre-existing medical requirements vary. Read the policy wording.

This is general information only. Read the PDS or policy wording and follow the insurer’s instructions.

Why travel insurance should be considered

Travel insurance can help protect against selected financial risks before and during travel. Consider it early after booking.

Cancellation cover may help with selected prepaid costs, but covered reasons, limits and documentation requirements vary by policy.

Overseas medical cover can be one of the most important areas to review, especially for international travel.

Baggage, delay and disruption benefits can be useful, but usually have limits, excesses and evidence requirements.

Pre-existing medical conditions may need assessment or disclosure. Answer insurer questions accurately and keep records.

This is general information only. Read the PDS or policy wording and follow the insurer’s instructions before relying on cover.

Check exclusions for activities, destinations, alcohol-related incidents, unattended items and medical conditions.

Keep receipts, policy documents, emergency contacts, medical records where relevant and evidence for any claim.

Consider insurance soon after booking, because cancellation-related benefits may depend on when cover is purchased.

Coverage depends on limits, definitions, exclusions, excesses and eligibility. The wording matters.

Cancellation cover may help with selected prepaid costs, but reasons, limits and documentation requirements vary.

Overseas medical cover can be one of the most important areas to review for international travel.

Baggage, delay and disruption benefits can be useful, but usually have limits and evidence requirements.

Answer insurer questions accurately and keep records of policy choices, receipts and relevant confirmations.

Read what is not covered, not only the benefit summary.

Receipts, reports and policy details can matter if a claim is needed.

For the most consistent PDF, use A4, portrait, margins none/default, scale 100%, and background graphics enabled.