Commercial Property Insurance Online :: News
SHARE

Share this news item!

Unveiling Hidden Exclusions in Travel Insurance Policies

Legal Expert Advises Australians to Scrutinize Their Coverage

Unveiling Hidden Exclusions in Travel Insurance Policies?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

Australian travellers are being urged to carefully review their travel insurance policies to identify potential exclusions that could affect their coverage.
Legal expert Peter Carter from Carter Capner Law highlights that certain activities, such as riding motorbikes or jet skis and consuming alcohol, are often classified as high-risk by insurers.
Incidents occurring during these activities may lead to claim rejections.

Carter emphasizes that these exclusions are frequently embedded in detailed policy wording, which may not be immediately apparent to policyholders. He advises travellers to thoroughly read and understand their policy documents to ensure they are aware of any limitations or exclusions that could impact their coverage.

In cases of serious injury, travellers may need to seek legal compensation upon returning home. Carter notes that this process can be more straightforward if bookings were made through an Australian business rather than a small overseas provider, as it may provide better prospects for receiving the necessary compensation to cover ongoing expenses.

Additionally, there has been a rise in claims related to rabies treatment from Australians returning from Bali. Many incidents involve bites from dogs in regions designated as rabies red zones, including parts of south Kuta and Mengwi District. Local authorities have responded by expanding vaccination programs targeting stray dogs in tourist areas.

Zoom Travel Insurance's marketing manager, Natasha Sullivan, points out that some travellers are unaware of the time-sensitive nature of rabies treatment. For those not vaccinated against rabies, the first injection should be administered within seven days of a bite, followed by a schedule of four additional doses. Treatment costs can range from $3,000 to $10,000, depending on location, and access in rural areas may be limited, sometimes requiring relocation to another city or country.

Other wildlife-related incidents, such as monkey bites at tourist attractions in Bali and other parts of Southeast Asia, are also on the rise. These incidents further underscore the importance of understanding policy exclusions and ensuring comprehensive coverage before travelling.

Published:Wednesday, 12th Nov 2025
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

Share this news item:

Insurance News

Envest Group Unveils TLI Underwriting for Heavy Motor Fleets
Envest Group Unveils TLI Underwriting for Heavy Motor Fleets
13 Nov 2025: Paige Estritori
Envest Group, a prominent player in Australia's insurance sector, has announced the launch of TLI Underwriting, a new agency dedicated to providing specialised insurance solutions for heavy motor fleet operators. This strategic move aims to address the unique challenges faced by larger transport businesses in Australia. - read more
AFCA Directs AIA to Pay Truck Driver's TPD Benefit After Decade-Long Dispute
AFCA Directs AIA to Pay Truck Driver's TPD Benefit After Decade-Long Dispute
13 Nov 2025: Paige Estritori
In a significant ruling by the Australian Financial Complaints Authority (AFCA), insurance provider AIA has been directed to pay a total and permanent disability (TPD) benefit to a truck driver, concluding a protracted dispute that spanned over a decade. - read more
ICA Proposes Reforms to Reduce Insurance Costs in Queensland
ICA Proposes Reforms to Reduce Insurance Costs in Queensland
13 Nov 2025: Paige Estritori
The Insurance Council of Australia (ICA) has recently submitted a series of recommendations to the Queensland Productivity Commission, aiming to address escalating insurance costs and bolster housing resilience across the state. These proposals are particularly pertinent to tradespeople, who are integral to the construction and maintenance of Queensland's housing infrastructure. - read more
NSW Builders Advised to Obtain Professional Indemnity Insurance Before 2026
NSW Builders Advised to Obtain Professional Indemnity Insurance Before 2026
13 Nov 2025: Paige Estritori
In light of recent legislative changes, BizCover is urging registered building practitioners in New South Wales (NSW) to secure professional indemnity (PI) insurance well ahead of the July 1, 2026 compliance deadline. This advisory follows the extension of the enforcement date under the Design and Building Practitioners Act 2021, which now mandates that builders hold PI insurance deemed sufficient to cover potential liabilities. - read more
Significant Premium Reductions in Australian Construction Insurance Market
Significant Premium Reductions in Australian Construction Insurance Market
13 Nov 2025: Paige Estritori
The Australian construction insurance market has experienced a notable shift in 2025, with premiums decreasing across various lines due to intensified competition among insurers. According to Marsh's Construction Insurance Market Update 2025, the first half of the year saw average premium reductions ranging from 5% to 15%, marking a significant departure from the upward trend observed in 2024. - read more


Commercial Property Insurance Articles

Natural Disasters and Your Commercial Property: Is Your Insurance Adequate?
Natural Disasters and Your Commercial Property: Is Your Insurance Adequate?
Australia is known for its diverse landscapes, but one of the harsher realities it faces is the increasing frequency of natural disasters. From bushfires in the outback to devastating floods in urban areas, these events can have severe implications for commercial properties. Business owners must navigate the challenges of not only protecting their assets but also ensuring the continuity of their operations. - read more
Is Commercial Property Insurance mandatory?
Is Commercial Property Insurance mandatory?
Commercial property insurance is a type of coverage that protects businesses and their assets from various risks. This insurance safeguards physical properties, including buildings, equipment, inventory, and other essential assets. By having commercial property insurance, businesses can mitigate losses that may occur due to unexpected events. - read more
How Deductibles Impact Your Commercial Property Insurance Premiums
How Deductibles Impact Your Commercial Property Insurance Premiums
When it comes to commercial property insurance, a deductible is the amount of money a policyholder agrees to pay out-of-pocket before the insurance coverage kicks in. This can be a fixed dollar amount or a percentage of the total insured value. Understanding how deductibles work is crucial for any landlord or business owner seeking to protect their assets effectively. - read more
Understanding Commercial Property Insurance for Multiple Locations: What Landlords Need to Know
Understanding Commercial Property Insurance for Multiple Locations: What Landlords Need to Know
When it comes to owning commercial properties in Australia, understanding the ins and outs of insurance is crucial. Commercial property insurance serves as a safety net, protecting your valuable assets against unforeseen events. It's designed to cover the buildings themselves, as well as any equipment, inventory, and even loss of income due to disruptions. - read more
The Essential Checklist for Property Investors: Filing a Claim with Confidence
The Essential Checklist for Property Investors: Filing a Claim with Confidence
As a property investor, having the right commercial property insurance is vital. It protects your investment against unexpected events, ensuring that your assets are safeguarded. Commercial property insurance covers a range of risks that can lead to significant financial losses, from natural disasters to theft. Understanding the nuances of this insurance is essential for making informed decisions that impact your bottom line. - read more


Your free insurance quote comparison starts here!
First Name:
Postcode:

Insurance quotes are provided free and without obligation by a specialist from our national broker referral network. See our privacy statement for more details.


Knowledgebase
Proximate Cause:
The primary cause of loss in an insurance claim, which sets in motion a chain of events leading to the damage or injury.