Getting travel insurance cover is the surest way to protect yourself against the financial implications of unexpected events that might occur during or even before your trip. While many Australians travel around the world each year without any problem, there’s always that one in a million chance that something may go wrong. Whether it’s delayed luggage or having to pay for overseas medical costs, it helps to be prepared, just in case.
Luckily, there’s a growing number of travel insurance providers that offer comprehensive travel insurance coverto cater for different needs.
Here’s why you should take out travel insurance with them the next time you travel:
Some travel companies such as 1300 Insurance offer four different levels of cover; Comprehensive, Frequent Traveller, Budget-Conscious and Australia-Only. They all come with unlimited medical cover and 24/7 international emergency assistance.
Overseas Medical Costs Cover
This particular feature of your travel insurance policy will make the situation so much easier when you need overseas medical assistance. You’ll have access to the best facilities that your destination has to offer without worrying about the dent it’ll leave on your pocket. With overseas medical cover, you’ll have all your medical costs taken care of including hospital costs, doctor’s fees, and even medical repatriation, which can cost up to $100,000!
Just be sure to inquire if your pre-existing medical condition is covered, as most insurers only cover a limited number of pre-existing medical conditions, and even then, with certain strings attached.
Trip Cancellation Cover
Sometimes, unexpected events like a death in the family or a sudden illness can cause you to cancel your trip before it has even started. Without travel insurance, you stand to forfeit all the money you spent on the cancelled flights and deposits but with the right cover, like Columbus Direct’s standard policy, you can get up to $5,000 reimbursed back to you when you cancel your trip due to unforeseen circumstances.
Columbus Direct also offers cover for over 150 different sports, which makes it a great option for adrenaline junkies that consider chasing big waves and swallowing snow powder a fun holiday. Other providers also offer packages for cruises, golf trips and even cycling excursions.
Personal Liability Cover
The language and cultural barrier in some areas can make it quite difficult even for the most experienced traveller to follow the rules. You’ll be glad to have travel insurance to help sort out any legal misunderstandings that might happen during your trip with Personal Liability cover, which comes as a standard feature with many providers, including Australia Post.
Lost Luggage and Personal Belongings Cover
The worst thing about losing your luggage is not really the part that you may never see your stuff again, but rather the thought that you’ll have to spend money to replace all those items. With standard insurance from Cover My Trip, you’ll have cover for your luggage and personal belongings in case they get lost, stolen or damaged at any point during your journey. This includes things like your clothes, jewelry, travel documents, cards and electronic items.