Whilst most Australians do purchase travel insurance before venturing overseas, they have been urged to check the fine print of their plan.

“Insurers often conceal ambiguous policy exclusions in the fine print and in many cases the fine print is not made obvious to customers,” Peter Carter from Carter Capner Law said.

“Keep in mind that insurers are in the business of claim denial. It’s part of their business model.”

He also said companies will categorise activities such as drinking alcohol and riding a motorbike or jet ski as “high-risk” to help deny claims.

Carter said there is one surprise strategy travellers can employ before leaving to avoid being stung by insurance companies.

“To receive the compensation needed to cover serious injury and the ongoing expenses, you may have to seek legal compensation upon your return, and you will have better prospects if this involves an Australian company,” he said.

“It’s more difficult if you booked through a small, local outlet in a far-away country.”

He reminded Australians of the consequences that could befall them if they don’t do their homework.

“When they return, life may not be the same if the injury affects their employment or way of life,” he said.