The hidden detail in travel insurance policies that could catch you out
<p>Travel insurance is the <a href="http://www.oversixty.com.au/travel/travel-insurance/" target="_blank"><span style="text-decoration: underline;"><strong>one thing you should never leave home without</strong></span></a>, but as with any purchase of this nature it’s important to make sure you read the fine print. There’s a hidden detail in most travel insurance policies many Aussies aren’t even aware of, and this big catch is leaving hundreds of holidaymakers high and dry overseas.</p>
<p>Most travel insurance providers will not pay for incidents occurring if the traveller has been drinking, even if you’ve only had a few beers or a glass of red that day.</p>
<p>And this doesn’t just refer to incidents that are a direct result of intoxication. This hidden detail applies to events that have nothing to do with inebriation at all.</p>
<p>Figures from the Department of Foreign Affairs and Trade’s (DFAT) latest Consular State of Play report, found 70 per cent of Aussie travellers were uncertain about the ultimate status of claims, when alcohol or drugs were involved.</p>
<p>“Many Aussies like to enjoy a drink or two on holiday but having a few too many could be an expensive mistake if you don’t check the fine print of your travel insurance policy,” <a href="http://www.finder.com.au/" target="_blank"><span style="text-decoration: underline;"><em><strong>finder.com.au</strong></em></span></a> insurance expert Bessie Hassan told <span style="text-decoration: underline;"><em><strong><a href="http://www.News.com.au" target="_blank">news.com.au</a></strong></em></span>.</p>
<p>“Most insurance policies will include a blanket exclusion for any claims that are the result directly or indirectly of a traveller being under the influence of alcohol or unprescribed drugs.</p>
<p>“Each insurance company has a different yardstick when it comes to alcohol-related exclusions, but most will assess whether alcohol contributed to the claim rather than simply if it was involved.”</p>
<p>Some insurance companies judge each claim on its merit, but other will outright refuse to assist travellers when any degree of alcohol is part of the claim.</p>
<p>Where you aware of this? </p>
<p><em><strong>Have you arranged your travel insurance yet? Save money with Over60 Travel Insurance. <span style="text-decoration: underline;"><a href="https://elevate.agatravelinsurance.com.au/oversixty?utm_source=over60&utm_medium=content&utm_content=link1&utm_campaign=travel-insurance" target="_blank">To arrange a quote, click here.</a></span> Or for more information, call 1800 622 966.</strong></em></p>
