The recent volcanic eruption on Bali, a favourite destination for many New Zealanders, has shown how unexpected natural disasters can interfere with your travel plans.
It's important to be prepared for the unexpected and understanding your travel insurance policy is the best way to make sure you're covered if everything goes wrong, according to the Insurance & Financial Services Ombudsman, Karen Stevens.
"During Bali's Mt Agung eruption, many stranded travellers were even more stressed to discover they had no insurance cover," Stevens says. "This is a really unfortunate situation and we feel for these people."
"But there has been some misinformation about why they are uninsured. Put simply, insurance exists to cover unexpected losses," she says. "If you buy travel insurance after a natural disaster is widely known about and travel warnings have been issued, insurance is unlikely to provide you with any cover."
The following checklist aims to help future travellers get the best value from their travel insurance, should anything unexpected happen.