Written by Compare the Market

What’s our number one goal? To help every Australian make better decisions when researching & buying products that they depend on.

What do Aussies with travel insurance claim on most?

Home > Blog > What do Aussies with travel insurance claim on most?

Compare the Market

From lost luggage to broken bones, travel insurance provides you with peace of mind that you’ll be protected against mid-trip mishaps. According to recent stats, Aussie travellers lodged over 248,000 travel insurance claims. So, what are the most common claims?

Five common travel insurance claims

Having looked at 6 different sources (see the bottom of this article for the full list), we’ve found the following claims are often made by Aussie travellers:

Luggage issues

There’s almost nothing worse than turning up at the airport baggage carousel and watching every other passenger pull their luggage off only to realise yours is missing. Sometimes, it’s a simple case of mistaken identity, or a mistake from your airline that’s mean’t your bag has ended up travelling to an entirely different airport.

Other times, luggage loss is more malicious – and someone’s nicked your stuff. Many sources also cited damaged luggage as a point of contention.

Your travel insurance will cover you in the event your luggage is lost, except when:

Lost or stolen money and property

Unfortunately, thieves prey on tourists, particularly at popular destinations. Being alert while travelling is important. These steps can help protect your travel documents, money and cards:

Travel insurance may not cover you if:

Medical issues

No one wants to get sick or injured whilst travelling, but it happens. Being smart and avoiding situations that could make you ill (such as drinking compromised water or eating street food) can save you wasting holiday days and a costly medical bill. Check that your insurance policy covers all the activities you want to experience while away. Not every country has a universal health care system with a reciprocal treatment agreement for Australians, which means that the cost of medical treatment overseas is likely to be expensive.

Insurers may deny your medical claims if:

Related: Travel easy, travel cheap

Travel cancellations & delays

Delays and cancellations are a common headache (and claim) for travellers. Your carrier may cancel your transport, making you miss your connecting train, or there may be an unexpected death in the family that requires you can return home immediately. In these instances you are probably covered but your insurer may deny your claim if:

Lost/stolen/damaged items

Taking your camera, smartphone and/or tablet on holiday with you seems essential – after all, you need to Instagram your poolside cocktails! You can protect your valuables from damage and/or loss by ensuring that they are stored appropriately for transit and, if they are not on your person, they are locked in the hotel safe when you are out of your hotel room. Your insurer may not cover you if:

Travellers beware!

Travel insurance is there to protect you against unexpected incidents but it’s not a replacement for common sense and safe behaviours whilst travelling. As with any insurance policy it’s extremely important to read the fine print.

Every policy varies; they don’t all cover the same activities or items and their claim value limits may also be different. Consider your itinerary carefully and the activities that you will be doing whilst overseas, then check these against the travel insurance policies you are considering.

Travel insurance can save you a luggage load! Compare providers here

Rejected claims

Rejected travel insurance claims are on the increase. According to the latest Financial Ombudsman Service Australia report, insurance code participants denied over 24,000 claims – a 21% increase on denied claims from previous years. The main reasons cited for the increase in denied claims were:

Taking travel insurance with you on any trip is important as disasters do happen. Making sure you’re aware of what your policy does and does not cover is the first step to peace of mind. If you’re taking high-value items (like electronics or jewellery) double check the per item value limits for claims; you may need to take out additional, specified item cover to make sure your big ticket belongings are covered.

Happy travelling!


  1. https://www.budgetdirect.com.au/blog/what-can-go-wrong-the-most-common-travel-insurance-claims.html
  2. https://www.hbf.com.au/travel-insurance/planning/articles/2010/11/common-travel-insurance-claims
  3. http://www.travelinsuranz.com.au/blog/3-common-travel-insurance-claims-avoid/
  4. http://www.traveller.com.au/air-guitar-stiltwalking-and-dodgeball-bizarre-activities-covered-by-travel-insurance-33kjs
  5. http://www.tradesinsurance.com.au/what-are-the-most-common-travel-insurance-claims/
  6. http://www.breakingtravelnews.com/focus/article/top-5-most-common-claims-for-travel-insurance/

Related Posts