General Exclusions

There are many scenarios 1Cover Travel Insurance covers you for, but just like most insurance policies, there are some things you likely won't be covered for. Here are a few of the main ones.

• You had a bad holiday. 

  Disappointing accommodation, misleading brochures, the food on the plane was inedible, your room was noisy, staff were rude, fellow guests were annoying and the entertainment was terrible. We don't cover loss of enjoyment so make sure you do your research and that you make the most out of it. 

• You were irresponsible. 

  Sex, drugs and alcohol - they seem like fun at the time but while away you need to behave in a way that protects yourself to be covered. Think carefully about the decisions you make. If you're intoxicated or taking drugs (that haven't been prescribed), you pick up a sexually transmitted disease, or you're riding a motorcycle/moped/scooter and you do not have a current New Zealand licence to do so (or the driver doesn’t have a valid license for the country you’re in) and your claim results from these actions, then we won’t be able to cover you.

• adventure sports, Cruises or ski trips (if you have not purchased our adventure & sports, cruise or snow sport add-ons).

  You must purchase our cruise pack in order to be covered on both domestic and international cruises. Similarly, if you do not purchase our adventure and sports pack, or snow sports pack, you would not be covered for any adventure, sport or snow sport losses. 

• You’re careless with your belongings and They Get Stolen.

  Leaving your things laying around isn’t a good idea in nearly every part of the world. If something gest stolen because you didn’t take due care and you left something unattended/unsupervised, then we won’t cover this.

• You didn't get the right visa/passport/flight.

  Incorrectly organising your trip isn't something we cover, so double check everything before booking and ensure you have the right documents for travel.

• you break the law.

  For obvious reasons we can't help you out here. Always adhere to local laws.

• You ignore official warnings

  If a government or other official body have issued a specific "Do Not travel" or "Reconsider your need to travel" warning and you go anyway, you may be putting yourself in very serious danger and we will not cover any claim you make relating to this. Head to smartraveller.gov.au for the latest travel advice

• you didn't read the pDS and thought you were covered.

  Never assume that you'll be covered for something. We advise all our customer to  read the Policy Wording before purchasing to ensure the product is right for you. If you have any questions, just contact us and let us help you out.

Terms and conditions, limits and exclusions apply. Please see the Policy Wording for full details.

Find out what travel insurance covers here.