Travel insurance

Has anyone purchased travel insurance after leaving Australia and had to make a claim?
I have purchased after leaving australia, but havent had to make a claim.

There is generally a short waiting period, like 72 hours, and of course any ‘pre-existing’ issues … health or otherwise… won’t be covered.

But otherwise there aren’t any ‘gottchas’… it is as it says in the PDS.
 
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