Disclaimer

1. General Information Only

Travel Insure Hub provides general information about travel insurance products available in Australia. All content on this website, including comparisons, guides, articles, ratings, and recommendations, is provided for general informational purposes only.

The information on this Site does not take into account your personal objectives, financial situation, health status, age, travel destination, trip duration, or specific coverage needs. What is suitable for one traveller may not be suitable for another.

2. Not Financial Product Advice

Travel Insure Hub is not a licensed financial services provider, insurance broker, or authorised representative under the Corporations Act 2001 (Cth) or the Financial Services Reform Act 2001 (Cth). We do not hold an Australian Financial Services (AFS) Licence.

Nothing on this Site constitutes:

• Personal financial product advice as defined under the Corporations Act 2001.
• A recommendation that any specific travel insurance product is appropriate for your individual circumstances.
• A solicitation or offer to sell any insurance product.
• Legal, medical, or tax advice of any kind.

Before making any insurance purchasing decision, you should consider obtaining independent financial advice from a licensed financial adviser who can take your specific circumstances into account.

3. Read the Product Disclosure Statement (PDS)

Every travel insurance product in Australia must be accompanied by a Product Disclosure Statement (PDS). The PDS contains detailed information about:

• What is and is not covered by the policy.
• All exclusions, conditions, and limitations that apply.
• Pre-existing medical condition provisions and how to apply for cover.
• How to make a claim and what evidence is required.
• The insurer’s financial services and contact details.

You must read the PDS before purchasing any travel insurance policy. Summaries and comparisons on this Site do not replace the PDS and may not reflect the full terms and conditions of the product.

4. Accuracy and Currency of Information

We endeavour to ensure that the information published on this Site is accurate and current at the time of publication. However, travel insurance products, premiums, coverage terms, exclusions, and insurer details change regularly.

Travel Insure Hub does not warrant or guarantee that:

• All information on the Site is complete, accurate, or up to date.
• Prices and premiums displayed reflect the current price you will be quoted.
• Product features described on the Site match the current PDS of a given insurer.
• A specific product or plan will be available for your particular travel dates or destination.

Always verify current information directly with the insurer before purchasing a policy.

5. Pre-Existing Medical Conditions

Travel insurance coverage for pre-existing medical conditions varies significantly between insurers and policies. Some conditions may be automatically covered, some may require a medical assessment, and others may be excluded entirely.

The information on this Site regarding pre-existing medical conditions is general only. You must contact the insurer directly and disclose all relevant medical information before purchasing a policy. Failure to disclose a pre-existing condition may invalidate your claim.

6. Travel Advisories and Destinations

Travel insurance coverage may be affected by Australian Government travel advisories. Most policies will not cover travel to destinations for which the Australian Government has issued a “Do Not Travel” advisory (Level 4). Some policies may also have restrictions for Level 3 (“Reconsider your need to travel”) destinations.

Always check the Smartraveller website (smartraveller.gov.au) for current travel advisories before purchasing a policy and before departing.

7. Third-Party Links and Affiliate Relationships

This Site contains links to third-party websites operated by insurance providers and other parties. These links are provided for convenience only. We are not responsible for the content, accuracy, or privacy practices of any linked websites.

Travel Insure Hub participates in affiliate marketing programs and may receive a commission when you purchase a policy through a link on this Site. This does not influence the information we provide or increase the cost of any policy. See our Affiliate Disclosure for full details.

8. Limitation of Liability

To the maximum extent permitted by law, Travel Insure Hub and its operators, employees, and associates exclude all liability for any loss or damage, including direct, indirect, incidental, consequential, or special loss, arising from:

• Your reliance on any information, comparison, or guidance provided on this Site.
• Any decision to purchase or not purchase a travel insurance product based on this Site.
• Any claim that is denied by an insurer, regardless of how the policy was described on this Site.
• Any inaccuracy, error, or omission in the information published on this Site.
• Interruption or unavailability of the Site.

Nothing in this disclaimer excludes, restricts, or modifies any right or remedy, or any guarantee, warranty, or other term or condition implied or imposed by law that cannot lawfully be excluded, including consumer guarantees under the Australian Consumer Law.

9. Changes to This Disclaimer

We may update this Disclaimer at any time. Any changes will be posted on this page with a revised “Last Updated” date. Your continued use of the Site after any changes constitutes acceptance of the updated Disclaimer.

10. Contact Us

If you have questions about this Disclaimer or any content on Travel Insure Hub, please contact us.