At Travel Insurance Plus we see and hear of those who encounter unexpected problems or illness when overseas. Unfortunately many have not purchased travel insurance. They endure inconvenience and in many cases significant financial loss – losses that can take many years to repay. It is important to note, that the Australian Government will not pay for medical expenses or medical repatriation costs for Australian citizens.
Travel insurance provides protection against the unexpected. Plus it helps provide peace of mind, knowing that if needed, you have cover.
Here are some reasons you should always get travel insurance as soon as you book your trip.
Unlimited Medical Cover and Emergency Assistance
If you unexpectedly become ill or injured when in a foreign land, the last thing you want to think about is “how am I going to pay for my medical bills”. Medical expenses such as hospitalisation in developed countries like the USA, can exceed $4,000 per day. Whilst in Asia, these costs average $800 per day. Travel insurance in a good investment when it can cost as little as $60 for a weeks cover in Asia.
Furthermore, if you or your travelling companion(s) need to be medically repatriated/returned to Australia, travel insurance will save you expenses ranging from $40,000 to $60,000, and sometimes exceeding $100,000
24/7 Emergency Assistance
We strongly recommend you choose a travel insurance provider that offers 24/7 emergency assistance by way of a dedicated reverse charge phone number. That way, help is only a phone call away. Friendly and professional service staff can provide directions to the nearest Medical Centre, organise emergency accommodation and even provide language translation services when in a foreign land.
Travel Insurance That Provides Cancellation or Travel Delays
If you cancel your trip unexpectedly due illness to you or an immediate family member, or experience a travel delay, travel insurance will help you recover out of pocket expenses/losses. Many travel providers such as airlines, hotels and travel agencies often refuse to pay a refund. Therefore, it is important to ensure your travel insurance includes cancellation and delay covers.
Lost Items are Covered by Travel Insurance
Surprisingly, a still common event is lost or delayed baggage via airlines. These bags usually contain valuables or equipment required for your holiday. Most travel insurance providers, like Travel Insurance Plus, allow you to claim for your losses. Ensure you read your policy, as every insurer includes limits on certain items and that way you understand exactly what your policy covers.
Your travel insurance provider can also assist or provide direction on how to replace a lost or stolen passport.
Death or Serious Injury Travel Insurance
Hopefully never needed but just in case – death and serious injury are often covered by travel insurance. Both injury and death are expensive due ongoing medical costs or for returning loved ones home. The right cover can save you thousands. You can compare policies here to learn more.
When compared to the cost of your trip, travel insurance usually comprises a small percentage of your overall expenditure. It provides peace of mind knowing that if the unexpected happens – you have cover.
Important: We always recommend you read the Product Disclosure Statement (PDS) or call your travel insurance provider before you buy your policy if you have any questions.