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Warning on travel insurance proposals



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DEPARTMENT OF THE CAPITAL TERRITORY

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FOR PRESS u S M

The Director of Consumer Affairs, Mr Jim Browne, said today that the

Consumer Affairs Bureau is receiving an increasing number of complaints

about overseas travel insurance from people who had, for medical reasons,

found it necessary to cancel their Advance Purchase Excursion Fares (APEX)

flights. Some of these people had assumed that the insurance cover

taken out at the time final booking arrangements were made would provide

protection for any illness preventing travel.

However, most travel.insurance policies contain exclusion conditions which

specifically, exclude payment of claims where the subject of the" claim can

be traced to a pre-existing condition. .

.?

Mr Browne said that whilst he thought it reasonable for insurance companies

to highlight the 'benefits' of any insurance policy, he considered that

suitable emphasis should be placed on the 'exclusion' conditions in the

policy. ·

Further, most travel insurance proposal forms did not seek details of the

traveller's medical history, details which, he said, would be a normal

pre-requisite to the issue "'of any other type of sickness and accident

insurance risk policy.

Mr. Browne advised consumers planning overseas travel to compare the various

travel insurance policies available, and in the light of their own medical

and even dental history, clarify exclusion provisions prior to finalizing

travel bookings. Travellers should be satisfied that they have' the insurance

cover most suited to their particular circumstances.

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30.10.79