Earlier in September, Kiwi Abby Hartley passed away from health complications in Bali.
The Government wouldn't help get her home. Her insurance company wouldn't pay out, because it was an undisclosed condition.
But, how much do you have to tell your insurance company and is it actually worth the money?
Insurance Council CEO Tim Grafton spoke to The AM Show.
Watch the video for the full The AM Show interview.
