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Want to know how to choose the best policy?
You’ve booked your flights, checked your passport is in date and started making a packing list. But have you sorted your travel insurance? Whilst it’s easy to push that task to the bottom of the priority pile, particularly when you are feeling healthy, you simply don’t know what the future could hold. Having your trip ruined by an unexpected illness or losing your personal belongings needs to be written out of the itinerary, and the best way to do this is to ensure you are sufficiently covered with the right type of travel insurance for your specific needs. Whether you’re hiking northern Australia or jetting off further afield, booking the best holiday insurance you can find is an essential part of planning your trip.
So, what exactly are you looking for when choosing the best travel insurance for your needs? You need to make sure you have the basics in place…
• Check the medical cover
Ensure you have peace of mind should you fall sick overseas and check you are covered for hospital bills, emergency care and repatriation costs should this become necessary. Be sure to declare any pre-existing medical conditions to avoid your policy becoming void and remember, if you’re planning on indulging in any adventure sports such as skiing or skydiving, be aware you may need additional cover to make sure you are protected should any accidents or injuries occur.
• Check the personal belongings small print
Unless you are travelling with nothing but the clothes on your back, it follows you want to make sure that if your personal belongings are damaged, lost or stolen, you can make a claim. Of course, how much cover you require will vary – are you off on a cheap and cheerful backpacking trip or toting designer sunglasses and luxury handbags? Additionally, never assume your electronic gear is covered by your policy – always double check.
• Consider the excess
A general rule when trying to find the best Australian travel insurance is that the cheaper the deal, the higher the excess. This is the amount of money you can expect to pay if you make a claim before the insurer pays out. If you are hoping to keep the excess low, you may need to pay a higher premium – you need to weigh up how much you are prepared to shell out if the worst comes to the worst.
Using an online comparison tool is the easiest way to find the best travel insurance in Australia. TravelInsuranceExpert.com.au offer a free and independent service designed to help you narrow down your search. All you need to do is provide us with a few details of your trip and we will trawl the web to locate Australia’s best travel insurance deals for your dollar. Check the small print of the policy, pay securely online and you can expect the insurer to send you the documents directly. Travel insurance, sorted!