Does making a claim on my travel insurance increase my premium?

No – because you pay your premium upfront when you purchase your travel insurance, it's not affected if you claim other forms of insurance such as a car or home policy.

Are there any countries insurers which won’t cover my visit?

In most cases, you won't be able to purchase travel insurance to visit countries with a level three or four travel warning attached to them by the Australian government. Level three and four warnings mean a foreign country is experiencing an ongoing threat of terrorism, pandemic, civil unrest or violence. The federal government often changes these recommendations in light of world events, so it pays to keep an eye on the Smartraveller website so you're up to date.

Do I need to pay extra for travel insurance if I’m pregnant?

No – most travel insurance policies will cover you if you're up to 30 weeks pregnant with one child and haven't experienced complications with any past pregnancies. However, if you've had past complications or pre-existing conditions, you will need to declare these to be covered by travel insurance and may have to pay extra in some cases. Some common pregnancy complications include toxaemia, gestational diabetes and pre-eclampsia.

Does cover for COVID-19-related expenses cost me extra?

No – COVID-19-related costs, such as medical expenses and cancellation, are among the benefits automatically covered under your comprehensive travel insurance policy. However, basic coverage will only cover you if you fall ill and require medical attention. These may come with claim limits also, so be sure to compare different offers to ensure you get the best coverage for your needs.

If I’m suffering from terminal cancer, will it cost me extra for travel insurance?

In most cases, you won't be able to get travel insurance coverage for your cancer treatment if it’s terminal. However, if you have a non-terminal form of cancer, your premium will be higher because your risk of injury or illness is far greater.