Simple steps to find the right travel insurance for your domestic or international trip
When we plan to travel overseas, most of us will make travel insurance a high priority. However, unfortunately many people don’t think about travel insurance when planning a trip within Australia. With Australia’s beautiful scenic landscape, travelling domestically is on a lot of people’s to-do list. Many people choose to drive long hours to their destination, and could be at risk of being in an accident, or damaging their car. There are also some fairly long flights between Australian cities, and there may be issues with delayed flights or lost luggage. It’s important to know that you’re covered if the unexpected happens, even in your own country.
Domestic travel insurance ensures you are protected in the occurrence of any holiday mishaps. It could save you a lot of time and money in the long run, giving you peace of mind while you enjoy Australia’s attractions. The following guide will give you a good idea of what to look for when comparing domestic travel insurance policy’s, so you can choose the best* policy to suit you.
What are the Benefits of an Australian Travel Insurance Policy?
Australian travel insurance covers you while you’re travelling within Australian States and Territories, whether it is for business or leisure. Travelling anywhere – overseas or domestically – will always involve risks. Travel insurance reduces your risk of losing your money, if you are put out of pocket having to pay for unexpected issues. The typical benefits under most domestic travel insurance policies includes cover for:
- Cancellation and travel delays. Australia can sometimes have unpredictable climates. Unexpected fog and storms can cause major delays at domestic airports. This covers any type of cost associated with flight, train or bus delays due unforeseen circumstances as a result of natural disasters, sickness or strikes.
- Luggage and personal items. Unfortunately, theft and damage to luggage can still occur even in Australia. Your personal items will be covered if you are a victim of theft or damage.
- Travel documents. There are a lot of things to keep track of when travelling from city to city. If you accidentally lose your travel documents, passport or credit card, travel insurance will recover any replacement costs so you are not left out of pocket.
- Rental car excess. Australia is known for being one of the greatest countries to embark on a road-trip. If you’re one of the many people planning to drive around Australia’s scenic roads, travel insurance will cover any excess costs if the car is damaged or stolen.
- Personal liability. If you accidentally cause bodily injury or damage to another person, you could be out thousands of dollars if you have to pay for repairs, medical bills or even legal costs. Travel insurance will cover all of these expenses if an accident does occur.
- Sports and Recreational activities. Australia has a lot of sporting activities to offer travellers, from skiing in Victoria, to surfing along the beautiful beaches of Perth. If you are participating in sporting activities, it is important to find a provider that will cover you if any injury or damages occur while you are performing these activities. Although not all providers will cover you for this, some travel insurance policies allow you to add this type of cover as an extra, and you will be covered for hired equipment, medical expenses while participating in the activity, and personal liability while participating in the activity.
Exclusions of Australian Travel Insurance
Domestic travel insurance is ideal for anyone planning a holiday with friends or family, or who travel often for business. It acts as a safety net to ensure you are taken care of if things go wrong. However, it is important to be aware of some things travellers will generally not be covered for, including:
Pre-existing medical conditions.
- Some insurers will refuse to cover certain pre-existing medical conditions. It is important to list all pre-existing conditions that you have, and check with your provider if they are all covered.
- Adventure sports. Most policies will not cover you for an extreme and/or adventure sports. This may include, skiing, snowboarding, surfing, rock climbing, bungee jumping and scuba diving. If you know you are going to be doing a certain activity like skiing or surfing, check with your provider if they provide cover for that specific activity so you’re covered if any accidents happen while you’re on the waves or ski slopes.
- Risky behaviour. This one may be obvious, but insurance companies will not cover you for deliberate risky behaviour when you are under the influence of alcohol or drugs. You will not be covered for injury to yourself, to others or to your belongings.
Other Things to Watch out for When you Compare Australian Travel Insurance
When you get into a sticky situation while travelling through Australia, it could be devastating to find out after your luggage is damaged, that your policy does not cover most items. It is important to be fully aware of what your policy covers so you’re not left in the dark if something does go wrong. Some things to remember when choosing travel insurance include:
- Price isn’t everything. The cheapest insurance may not cover you for everything, but then again, the most expensive insurance may not cover you for the things you actually need. Do not base your decision solely on price, and make sure that you covered on things you will actually need, as there is no point in pay more for a policy that covers snow activities, when you’re headed to a beach. Cheaper policies will generally only provide a reduced level of cover to more expensive policies.
- Keep all documents/correspondence with your travel insurance provider. If you do need to make a claim, you will most likely have to provide proof of purchase of your travel insurance. When purchasing your insurance, save all emails or letters you receive from the provider, as they may not be able to process your claims without proof.
- Beware of cover-limits. When go through what you are covered for, it is essential you check how much you are covered for. Being covered for $200 in personal items will not be too helpful if you’re carrying around $1,000 of photography equipment. Check the limits for every feature you are covered for, to make sure it’s enough for your trip.
Apply for Australian Travel Insurance Online
Whether you’re taking the family away for the weekend, or going on a road trip around Australia, domestic travel insurance shouldn’t be a maybe. Travelling domestically has just as much risk as overseas travel, and domestic insurance is a necessity when it comes to protecting your finances if the unexpected arises.
Australia is full of beautiful scenery and so many exciting attractions. Protect yourself with Australian travel insurance so you can spend less time worrying, and more time taking everything Australia has to offer.