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What's not covered

Summary of Exclusions

This section contains a helpful summary about Mytripinsurance.

Please note that it is a limited summary only. It does not form part of Your Policy and it cannot be relied on as a full description of the cover provided.

Please note that other documents that make up the Policy such as the Certificate of Insurance may also amend the standard terms, conditions and exclusions contained in the Product Disclosure Statement.


Mytripinsurance provides cover for many unexpected and unforeseen Events and emergencies but We don’t cover everything.

There are exclusions that apply to all benefit sections (see General Exclusions in the PDS) and there may be additional exclusions and terms and conditions for specific benefit sections, these are listed under ‘What is Not Covered’ and ‘Terms and Conditions’ in the relevant section.

You should ensure that you understand all the exclusions under Your Policy but here is a summary of some of the key ones when You will not be covered if it is a factor in why You are a making a claim:

Things that are illegal or reckless

  • You have committed an illegal act
  • You being intoxicated by alcohol or drugs (not prescribed by a Doctor);
  • You don’t take all reasonable efforts to look after your belongings including if you leave your belongings Unattended;
  • You don’t take all reasonable efforts to avoid any injury;
  • Any errors or omissions in any booking arrangements by You, Your travel agent or any other person acting on your behalf, including the failure to obtain the relevant Travel Documents for Your Trip.

Things that are medically related

  •  You undertake travel against the advice of a Doctor, for seeking medical treatment or after You have been diagnosed with a Terminal Illness;
  • You or Your Travel Companion having a Pre-existing Medical Condition unless it is an Approved Medical Condition;
  • Due to Your or Your Travel Companion’s childbirth or pregnancy. The only time where this exclusion does not apply is when the claim relates to an unexpected medical complication or caused by Accidental Injury or Sickness.

Things that you do or participate in

  • You having booked or travelling on a cruise (unless you have purchased the optional add-on benefit pack 28 – Cruise Pack);
  • Your engagement in Manual Work;
  • Your participation in Adventure Sports or Winter Sports (unless you have purchased the relevant optional add-on benefit pack for Single Trip) or Extreme Sports and Activities.


Mytripinsurance is issued and underwritten by Chubb Insurance Australia Limited, ABN 23 001 642 020 AFSL 239687 (Chubb) and distributed by B2B Travel Solutions Pty Ltd ABN 70 611 652 950 (B2B Travel Solutions) as Authorised Representative of Chubb (Authorised Representative Number 001250949). Mytripinsurance is a brand and business name of B2B Travel Solutions. Any advice provided is general only and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. Terms, conditions, exclusions, limits of cover and eligibility criteria apply. To decide if this product is right for you, please read the Mytripinsurance Single Trip Product Disclosure Statement and Financial Services Guide.