Travelling with expensive items? Get the right cover
Travel insurance can cover expensive items like a camera, laptop or jewellery (such as an engagement ring) – but you will need to add on "specified items" cover.

Most travel insurers offer you the option of increasing item limits under the specified items benefit. You will need to pay a little more to get this included in your policy.
Travel insurers can cover you for specified items ranging from $1,500 to $10,000. They don't typically cover you for more than $10,000.
If you don't specify you want an expensive item covered, it will be considered an unspecified item. This means you will only be covered for items up to a certain claim limit. (A claim limit is the maximum total amount of money you can claim back if something you own is lost, stolen or damaged while you're travelling.)
These limits can vary between insurers. You can find them in each brand's product disclosure statement. Here's an example of what they often look like:
"Travel insurers including Fast Cover and Tick can cover you for a specified item for up to $5,000. SCTI goes a little further than others – it can cover items for up to $10,000 – while others such as Cover-More simply state that 'you may be able to increase the item limit on a specific item by paying an additional premium' but doesn't say by how much."
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Luggage cover | 48.05% |
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