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Australian Travel Insurance - Do You Need It? Sponsored Links Australian Travel Insurance - Do You Need It? admin@go-florida. By Terry Hely Category: 0 Submit your Articles Here! admin@go-florida.net. Best regards Terry Hely http://www.go-florida.net Australian Travel Insurance - Do You Need It? When it comes to assessing the need for travel insurance there are a couple of considerations that are unique to Australian travel to overseas destinations. Whereas much of the world can travel between international destinations with one direct flight, travel from Australia to the rest of the world can involve as many as 4 separate flights in each direction. For example, fly to Sydney to connect with your carrier airline, Sydney to the airline hub city, from hub city to major European city and then on to your final destination. That's eight opportunities for baggage to go astray or suffer damage. If just one of those flights is delayed (and it's not the airlines fault) and you miss the next connection you are faced with some serious costs. While those are obviously worst case scenarios and seldom happen, their significance should not be lightly dismissed when assessing your need for Australian travel insurance. Any experienced traveler will tell you that travel insurance is the one thing you should never leave home without. Sure its tempting to save costs by not taking insurance but when something unfortunate happens and you don't have any cover, you realize just how cheap the insurance actually was. The first step in deciding what level of insurance cover is appropriate is to assess the likelihood of risk, be it physical, financial or both, that will apply to the type of travel you are undertaking and the places you are visiting. So when deciding on a sensible level of cover, what are some of the things to consider? ** Hospitals & Medical Expense If there is one reason to buy travel insurance, this is the one. It makes a lot of sense to protect against hospital or medical bills incurred while traveling outside of Australia. Costs in private hospitals in most overseas countries are horrific. In a worst case scenario, a medical evacuation back to Australia can easily exceed $150,000. In the case of serious injury you'll want the insurance to cover the cost of your return home using commercial airlines or a network of private medical evacuation aircraft. The cost of a travel insurance policy is a trifle when compared to draining the family finances to bring a loved one home. Things to look for in a this part of a travel insurance policy: - Unlimited hospital and medical cover when travelling to the US, Canada or Japan. - Cover for an emergency evacuation. - Provision for a relative to accompany you if you're ill or injured and travelling alone. - Cover for emergency dental work. - Cover for pre-existing medical conditions or pregnancy. Take the time to read the policy exclusions. The hospital and medical cover of a policy will stop when you return home. ** Your Luggage The most common reason for travel insurance claims is the loss of, or damage to, luggage and personal effects. The next time you are in the baggage claim area, look over to the customer support desk where those with lost luggage are waiting to lodge their details. The loss of luggage can result in a significant outlay to replace the lost items. With suitable travel insurance cover, you can start replacing the lost items almost immediately while still traveling. Always read the policy wording carefully to see what is covered. Expensive items such as laptop computers and cameras may have a limit on the amount that can be claimed. Things to look for in this part of a policy: - Are there individual item limits? - Are you covered if your luggage is stolen from your hotel room? - Are you covered if your luggage is stolen from the boot of a locked car? - Does the policy cover loss of cash? ** Cancellations & Curtailment Will your policy need to cover financial loss if you have to cancel or cut short the trip under certain circumstances. If you break your leg a week before your trip, or need to return home mid way through a trip to attend to a sick relative, how much will you be out of pocket? What do you stand to lose if the trip is all paid for but suddenly you can't go due to a serious illness/accident involving a close relative? Things to look for in this part of the policy: - Protection against loss of non-refundable deposits and any costs paid in advance if you cancel before departure due to illness or injury, compulsory jury duty, unforeseen retrenchment and natural disaster. ** Personal Liability Tourists can and do make mistakes and sometimes face litigation in a foreign country. If your actions when abroad cause an accident and injure someone, a good policy can cover your liability and legal expenses. Most policies will not pay legal expenses if you have a car accident. ** Rental Cars If you are involved in an accident overseas in a hire car, there is usually a policy excess (aka deductible) that you have to pay to the rental car company. Travel insurance can cover the costs of the excess amount. ** Delays Flight delays happen, it's a fact of life. If you have a tight schedule between connections, it's advisable to protect yourself against the unexpected costs that can arise due to missed connections. Delays can involve hotel costs, transfer and shuttle fares, extra meals and can quickly become very expensive. Airlines only compensate customers for delays when the airline is obviously at fault. There are many factors that can cause delays where the airlines are not at fault and in these cases, the customer is liable for their own costs. Conditions and benefits vary considerably between policies so always read the policy wording carefully if you need this cover. ** Resumption Of Journey Travel cover ends the moment you arrive home. Some policies allow for special circumstances where you were required to return home because of a sick relative or a death in the family. Not only will you be able to claim for some of these costs, but you can also resume your journey. The conditions and benefits vary considerably between policies so always read the policy details carefully. This article would be incomplete if it failed to touch on one last, important aspect of travel insurance.... the COST! Insurance bought via your travel agent will usually include a 40%-50% commission to the agent. It is nearly always far cheaper to buy your insurance online and save yourself those huge commissions which can run into hundreds of dollars for a family group. So..... the question is not really do you need travel insurance, but what level of cover do you need? ---------------------------------------------------- Terry is an author of several highly regarded destination guides. His Australian destination guide can be seen at http://www.austtravel.com.au Australian Trav 0 Subcategories Computers & Internet > Year 2000 Problem > Health > Travel > News & Media > Travel > Recreation & Sports > Travel > Year 2000 Problem > > Travel > > Travel > > Travel > > Australian Trav 0 Articles Get Styled at Melbourne by Journey Mile Up Close With Sydney by Journey Mile Chilling in Australia by Journey Mile Growth of Australian Tourism by Kimi Anderson Australian Hotels by Kimi Anderson Wanted: 20,000 workers Recruitment crisis on boomer exodus by priestess mirana Australia, A Land Paradise Down Under by Dirk Benedict Ojeda Australia will target NZ IT skills as shortages worsen by Dirk Benedict Ojeda Wanted: 20,000 workers Recruitment crisis on boomer exodus by Dingo Ford