Almost one-quarter of young travellers had no insurance on their most recent overseas trip and those aged 18-29 are most likely engage in risky behaviour, research shows.

A poll of 1001 travellers, conducted for the Insurance Council of Australia and the Department of Foreign Affairs and Trade, found 23% of under-30s went uninsured.

Almost half of under-30s visited a destination they perceived to be risky or very risky and had seen dangerous places promoted by influencers or in the media.  

“No amount of likes are worth the risks,” the government said. “Visiting locations where Australia and other governments advise ‘do not travel’ can put your life in serious danger.”

Only 37% reviewed travel advice and 58% were unaware they may not be insured in risky destinations.

Across all ages, 14% of Australians travelled without cover. Most considered it beforehand, but many decided to forgo cover because they were travelling to a destination they perceived as safe.  

ICA CEO Andrew Hall says the unexpected can still happen.

“We encourage any travellers to understand their exclusions and assess whether they need additional cover for any risky behaviours they’re considering,” he said.

“Check product disclosure statements and speak directly to insurers with any questions. Understanding your policy and assessing what kinds of activities you plan on undertaking while you’re travelling is the best way to make sure you’re protected.”

About 46% of survey respondents were open to travelling overseas for medical procedures – mostly dental care (30%), and mostly to save money.

Less than half of Australian travellers knew travel insurance policies vary in their coverage around alcohol consumption; 39% drank alcohol while uninsured or beyond the limits of their insurance, or were unsure about their coverage.  

About 83% were aware of methanol poisoning, but 30% of young travellers consumed drinks with unfamiliar labels, and 17% drank from shared jugs or buckets.