SCHOOLIES URGED TO CHECK TRAVEL INSURANCE BEFORE JETTING OFF

Young travellers warned: know your cover before the chaos begins

With thousands of school leavers about to take their first taste of freedom overseas, iSelect is urging young Aussies to get their travel insurance sorted before they board the plane.

New research shows nearly one in five Australians have “no idea” what their policy includes, leaving many wide open to expensive surprises if things go wrong.

A survey of more than 1,011 Australians found 19.3 per cent did not understand how their travel cover worked. Young adults aged 18 to 25 were the most confused.

"If you’re used to travelling with mum and dad, you probably haven’t had to think too much about insurance because it’s all been looked after for you," iSelect spokesperson Sophie Ryan said.

“Travel insurance is there to protect you when things don’t go to plan, but it’s crucial to understand what’s included before you pack your bags.”

The most significant risks facing Schoolies overseas

Schoolies abroad often jump straight into high-risk activities, but many of these can void insurance unless extra cover is added.

High-risk activities: Jet skis, quad bikes, scooters and similar thrills are often excluded from standard policies.

Helmet rules: Riding a bike or motorcycle without a helmet can void coverage entirely if you crash.

Alcohol-related accidents. Most insurers do not cover injuries sustained while intoxicated.

Ms Ryan said alcohol is one of the most common reasons claims are denied. “Basically, insurers expect you to take precautions and minimise your risk of making a claim.

"Drinking alcohol dramatically increases your risk of having an accident,” she said. “So, if you take a tumble after having a tipple, chances are you won’t be able to claim for the treatment of any injuries.”

She also warned against riding bikes or motorbikes without proper protection. “Also, don’t even think about getting on a bike or motorcycle without wearing a helmet; if you do, and you have an accident, your insurance could be voided.”

Keep your insurance details close

Even if parents purchased the policy, school leavers still need quick access to their documents.

Ms Ryan said keeping emergency contacts and policy information saved to phones can make all the difference. “If something goes wrong, you’ll need quick access to those details,” she said.