It's important to be aware that all travel insurance policies have 'exclusions'. So, there are some things that we just can't cover you for. These certainly aren’t secret and can be found in our policy wording, but we want to highlight some of the things you’re unlikely to be covered for so that you can make smart decisions when heading on holiday.
- You are generally not covered for reckless behaviour or deliberately putting yourself in harms way.
- Not taking care of your personal belongings, such as leaving your things behind in public places.
- You’rer not covered if you were drunk and the consumption of alcohol contributed to your loss. As for illegal recreational drugs, you're definitely not covered.
- We have a general exclusion in relation to pandemics and epidemics.
- You are not covered for pre-existing medical conditions that you failed to tell us about or take cover for.
- You are not covered for events already known in the mass media at the time of purchasing your policy.
Even though our policies have these exclusions, all TINZ customers are entitled to lodge a claim for review, which would be assessed based on individual facts and circumstances.