For the majority of people travelling overseas is a magical experience, a rite of passage or a well-deserved reward for working hard. Unfortunately there are some instances in which outings have not gone exactly to plan and travellers are involved in accidents that result in injury, hospitalisation or even death. Each year, Australian Consular Offices handle over 25,000 cases involving Australians in difficulty overseas including 1,200 hospitalisations, 900 deaths and 50 evacuations for medical purposes.
In these examples, where individuals have not covered themselves with travel insurance, such personal misfortunes are exacerbated with long-term financial burdens. Hospitalisation, medical evacuations and the return of a deceased’s remains to their home country can be quite costly. When travellers are not covered by travel insurance they are themselves responsible for covering any incurred medical and associated expenses. In some cases, individuals and families have been forced to sell off assets including their houses, in order to ensure the safety and wellbeing of their loved ones.
Forms of travel insurance include coverage for trip cancellation/interruption, medical insurance, baggage loss/delay, flight delay/cancellation and travel document protection. Whether you travel overseas often, sporadically or are planning a once-in-a-lifetime trip, travel insurance is essential. The cost of travel insurance is dependent on the form of coverrequired, the age of the policy holder, travel destination, how long you intend to stay and any pre-existing medical conditions. It is very important to obtain the correct form of travel insurance to suit your particular requirements and it is imperative that you fully explain any factors that may impact your insurance otherwise you may be denied coverage in the event of illness or injury.
Like other insurance policies there are standard general exclusions on most types of travel insurance and these can include acts of civil unrest, self-inflicted injury, loss/theft of unattended baggage, loss/theft of cash and pre-existing medical conditions. Some insurance policies may even invalidated in which injuries are sustained as a result of being under the influence of drugs or alcohol or during “dangerous or extreme activity” such as skiing, snowboarding, rock climbing, parachuting and underwater activities involving the use of artificial breathing apparatus so travellers should scan the fine print of their policy to ensure that their insurance is right for them.
The consequences of not purchasing travel insurance far outweigh the costs associated with purchasing a policy. The common consensus is that is you can’t afford travel insurance then you shouldn’t travel. It is also essential that you are insured for the entire time you will be travelling and not allow your cover to expire before you return home.
If you’re looking for affordable travel insurance for peace of mind on your next holiday, TravelOnline in partnership with QBE Insurance will keep you safe and sound. TravelOnline and QBE are Australian travel insurance specialists.
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