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If you are uninsured, you (or your family) are personally liable for covering any medical or other costs resulting from unexpected incidents or accidents.

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Be aware that some policies do not offer refunds when the safety and security environment overseas changes.

The terms and conditions of your policy will determine whether you are entitled to a refund if DFAT changes the level of the travel advice. DFAT has teamed up with independent consumer advocate CHOICE to provide a simple travel insurance buying guide to help you choose the right insurance for your trip.

A replacement passport may also have limited validity.

By law, you are required to report the loss or theft of your passport to the nearest Australian embassy, high commission or consulate, or on the Australian Passport Office website, without delay.

If you plan to rely on the travel insurance provided by your credit card, before travelling you should obtain written confirmation that you're covered for your personal circumstances, including for all of your destinations, activities and pre-existing conditions.