The Aussie Over 50s Guide to Protecting Your Travel Plans!
Whether travellling within Australia or overseas, whether going first class or budget, Travel Insurance is a must to cover your trip so that you arrive home safe and without extra costs having been accumulated for anything from stolen wallets and missed flights to medical emergencies.
Of course there is a great deal of variation within what is covered by each policy and the cost there-of so Travel Insurance is not something to be left to the last minute or forgotten about altogether.
The policy chosen is best if it is an Australian company underwritten by a prominent and well-known company. Most every-day insurance companies have associated Travel Insurance associate companies so asking your house and contents, life or vehicle insurer would be your first port of call - excuse the pun!
Why Get Travel Insurance?
It is impossible to predict everything that will happen when you go travelling. That is why getting travel insurance before you leave is essential. Travel Insurance can include much more than cover for medical emergencies. It can also cover you for lost, stolen or damaged property including your identity documents, if your travel plans are unexpectedly cancelled or if a family member becomes sick and you need to return home early. Travel insurance is a precautionary measure, providing cover for the various emergencies traveller's experience.
If you are uninsured you are responsible for covering the costs of any unexpected incidents or accidents. The Australian Government will not pay for medical treatment or evacuation. The costs of covering an emergency can range from a hundred dollars to a six figure number. A single day in a hospital in the United States is around $1,400- $13,400 AUD.
There are various travel insurance policies available. To make sure you get the right cover, there are a number of factors you should consider.
Get Travel Insurance as Soon as Possible
One of the greatest mistakes travellers make is waiting to get travel insurance until just before they leave. By putting off buying travel insurance you risk not having cover for the deposits you have already made for your trip should you unexpectedly have to cancel your plans. For example, if you have travel insurance and suddenly become sick and have to cancel your trip, you can make a claim for the deposits you have made on your flights, cruise or accommodation. If you do not have travel insurance you may not be able to recover these expenses.
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