Tips to Follow When Buying Travel Insurance for Australia
Australia is a popular tourist destination, thanks to its stunning Gold Coast, Great Barrier Reef, the Sydney Opera House, art museums and gardens. But it is also one of the most expensive countries especially if you plan to explore it extensively. For this reason and to get financial safety for your trip to Australia, it is important to buy travel insurance with proper planning. This insurance can protect you against medical emergencies and issues like flights delays, lost baggage or lost passport etc.
Consider these tips while buying travel insurance for Australia.
Inquire about the coverage.
When buying travel insurance for Australia, find out if the destination is covered by your preferred insurer. Next, find out about the coverage.
Medical treatment can be very expensive in Australia compared to other countries. So, you will need to buy your travel insurance from a company that covers a wide range of emergency medical treatments. Don’t forget to consider coverage for emergency dental treatments. Not all insurers provide it, so it is important to inquire about it beforehand.
Find out about coverage for accidents, injuries, and permanent disability. If you are travelling with children, make sure to include as many medical and health emergencies in your plan as possible. If you have a pre-existing condition, your insurer may not cover it for your travels abroad.
Every basic travel insurance plan covers lost baggage, flight and accommodation booking cancellations, loss of documents, and medical evacuation. But still make sure to inquire about these benefits when buying travel insurance for Australia.
Most insurers do not cover injuries sustained due to participation in adventure sports. Australia offers umpteenth opportunities for adventure sports such as white water rafting, scuba diving, hand gliding, bungee jumping, surfing, skydiving, and more. So, if you are planning to indulge in them, be sure to ask the insurance company about coverage for the same. Self-inflicted injuries are also not covered by travel insurance.
When buying insurance, it is always best to inquire about all the benefits on offer and not just for common emergencies.
An insurance plan offering emergency cash for hospitalisation can be very useful. So, see if this is included by your preferred insurer.
Some insurers also offer emergency financial assistance during foreign trips in case you need it. It is quite possible for travellers to lose their cash due to negligence or thefts. In any case, travel insurance is designed for such emergencies also.
Personal liability is useful to have in your travel insurance plans. If while travelling in Australia, you find yourself liable for third-party damage; it can cost you a great deal. But your travel insurance can cover it.
If you ever find yourself in the middle of a hijack situation, some insurers compensate policyholders for the unnecessary distress caused due to it. If this is important for you, be sure to inquire about it.
You may not want to think about it while on a holiday to gorgeous Australia but choose a plan that covers accidental death and body repatriation. In case of the policyholder’s demise during the trip, the family will receive compensation. It can be of great help to the surviving family members.
The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.