Santa at the airport

Christmas Travel Insurance deals

Christmas can be time for giving AND a time for saving – Christmas travel insurance deals, discount and coupon codes.

Instead of the traditional family Christmas, many Aussies are choosing to spend the festive season abroad.

Christmas can be one of the most expensive times to travel, so many people try to save on their travel costs wherever they can. Unfortunately, some do this by skimping on their travel insurance, which can have disastrous consequences.

With that in mind, this guide looks at how you can reduce your Christmas holiday costs and still maintain an adequate level of travel insurance, just by following a few simple steps.

Pay less for cover with these travel insurance coupon codes and sales for December 2016

Exclusive

Columbus Direct Exclusive Offer - 10% Off All Policies

Receive a 10% discount on your Columbus Direct policy when you apply through finder.com.au. Simply follow the secure link for your 10% discount to be applied.

10% Off American Express Travel Insurance

10% off all new American Express Travel Insurance policies purchased online until the 22nd of December 2016.

Exclusive

10% Off Tick Travel Insurance Policies

Want to save more on your Tick Travel Insurance policy? Simply enter this code to receive a 10% discount on your cover.

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After the store tab opens, come back to copy the code
Exclusive

YouGo Travel Insurance Coupon Code - Save 10% On Your Cover

Get 10% off your YouGo travel insurance cover with this exclusive coupon code. Offer available for a limited time only!

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Exclusive

Go Insurance Exclusive Deal - 10% Off Coupon Code

Apply this coupon code at the checkout when purchasing Go Insurance to receive a 10% discount on your policy.

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Win $10,000 toward holiday or $500 Budget Direct Prepaid Visa card

Simply purchase a Comprehensive or Annual Multi-Trip policy from Budget Direct to enter draw to win $10,000 toward holiday or $500 Budget Direct Prepaid Visa card. T's and C's apply.

Free Visa Prepaid Gift Card and Global Roaming sim

Receive a Free Woolworths Visa Prepaid Gift Card and Global Roaming sim with every Comprehensive Travel Insurance.

[travel insurance coupons]

Money-saving travel tips for the Christmas period

If you’re planning to head overseas during the festive season, here are some useful ways to reduce your costs and make your holiday dollars go further.

  • Book early. Prices go up the closer you get to Christmas, so look for cheap flights and accommodation well in advance of your departure date.
  • Look for packages. You can save a lot on flights, accommodation and tours when they are bundled together as a package. Many travel providers and tour operators offer such packages, so shop around online for the best bargains.
  • Fly on Christmas Day. Everyone who is going somewhere for Christmas is usually there by Christmas Day, so flights are often cheaper and more plentiful (and you may even get upgraded).
  • Save on your travel insurance. There are plenty of ways to save on your travel insurance and give yourself more money for your holiday. These include:
    • Buying family policies when travelling in a group (kids are usually covered for free)
    • Buying online
    • Increasing your excess to reduce your premium (but make sure you will have the money if you need to make a claim)
    • Using other insurance policies to supplement your cover, such as your home and contents insurance or your credit card

Want cheap flights this Christmas period?


Popular holiday destinations this Christmas

In the spirit of the season, the following is a list of popular Christmas destinations, including why people go there and what to keep in mind when you do.


USA

If you fancy snow underfoot and chestnuts roasting on an open fire, the USA is the perfect Christmas destination. Things to bear in mind at this time of year are poor weather and road conditions and increased travel delays. The high costs of health care in the US make travel insurance with medical and hospital cover an absolute must-have.


Australia

While others come to Australia during the festive season to escape the cold of a Northern Hemisphere winter, more Australians than ever are holidaying at home to save money. Possible dangers for tourists include our left-hand-drive road rules and the possibility of getting into trouble at popular beaches, where rips, sharks and stingers all have the potential to spoil a down-under holiday. Find out more about domestic travel insurance.


Bali

Thousands of Australians travel to Bali each year for a cheap, relaxing, tropical Christmas getaway. Unfortunately, many choose to let their hair down a little too much and often void their travel insurance by drinking excessively, indulging in high-risk activities not approved by their insurer and riding motorcycles and mopeds without an appropriate driver's licence. Travellers also need to be wary of natural disasters such as the most recent volcanic ash cloud.


Thailand

Another popular Asian destination during the festive season, Thailand is renowned for its beautiful scenery and friendly inhabitants. Similar to Bali, driving or riding on the roads can be dangerous. If you’re injured, there is no Reciprocal Health Care Agreement, so you’ll need to have travel insurance with adequate medical cover.


New Zealand

Just a couple of hours from Australia, the Land of the Long White Cloud offers a range of attractions for Australians wanting a cheap Christmas getaway. While New Zealand is generally safe for Australian travellers, things to bear in mind when taking out travel insurance include the snow sports and high-risk activities you might indulge in. New Zealand is also a volcanic hotspot and prone to earthquakes, which can cause travel cancellations and delays.


England

While a relatively safe destination, potential dangers in England include driving on narrow country lanes (particularly in winter), the increased threat of terrorism and the additional dangers associated with travelling to Europe.


Japan

This is becoming an increasingly popular destination for Australians during the holiday season. While not cheap, Japan can offer a great value-for-money holiday, depending on what you plan to do while you’re there. Unfortunately, Japan, like the USA, has an expensive health system, so adequate medical cover in your travel insurance is a must. Other risks include natural disasters such as earthquakes, which Japan has had more than its fair share of in recent years.


Cambodia

Known for its stunning scenery and friendly locals, Cambodia is another destination on the radar for many travellers during the holiday season. Potential dangers include the possibility of picking up diseases from consuming local food and water, the country’s ongoing political instability and the petty crime and scams targeting tourists.


Malaysia

This is another Asian destination offering an exotic and affordable Christmas holiday. However, travellers to Malaysia should be on guard for dangers such as malaria and hepatitis (make sure you have the appropriate vaccinations), street crime, kidnapping and an increased threat of terrorism.


Vietnam

Vietnam has become a very popular holiday destination in recent years and offers stunning scenery, especially in the countryside. Things to watch out for include landmines (even to this day), typhoons during June to December, dangerous road and driving conditions, plus the usual scams and thefts targeting unsuspecting tourists.


Fiji

A popular Christmas holiday destination for Australians, Fiji offers a cheap getaway in beautiful tropical surroundings. You need to be aware of potential dangers such as cyclones (November to April), dengue fever, dangerous driving conditions (particularly at night) and petty crime.


Singapore

Another exotic holiday destination for Australians, Singapore is an island city-state renowned for its shopping and exotic street dining. Potential dangers to be aware of include petty crime, the threat of malaria (have your vaccinations) and the ongoing terrorism threat (exercise caution in public places). Singapore also has some harsh penalties, including caning and the death penalty.


Hong Kong

Known for its plethora of shopping and local food, Hong Kong is a vibrant city that attracts many tourists during the holiday season. While a relatively safe destination for travellers, things to keep in mind include the typhoon season and the criminals who prey on unsuspecting tourists.


Philippines

Comprising more than 7,000 islands, the Philippines are another cheap and exotic destination for Australians during the festive season. The capital, Manila, is a particular drawcard with its famous waterfront promenade and centuries-old Chinatown. Visitors should be on guard with kidnapping and violent crime prevalent on some islands. There is also an increased threat of terrorism, tropical diseases, potential natural disasters (earthquakes, volcanoes and mudslides). Typhoon season is from May to December.


New Caledonia

A major scuba-diving destination and magnet for those seeking a cheap tropical getaway, New Caledonia attracts thousands of Australians every year during the festive season. Potential dangers in this island paradise include cyclones (November to April), dengue fever during the warmer wet months and periodic civil unrest and petty crime. Scuba divers should also ensure they are covered by their travel insurance.


Canada

The frozen wilderness backdrop makes the perfect White Christmas for many adventurous travellers this time of year. While a relatively safe place to travel, injuries from partaking in winter sports (make sure you’re covered) are common and many Canadian hospitals require upfront payment for medical expenses, making emergency medical and hospital cover a necessity in your travel insurance portfolio.


India

For those who enjoy exotic festive travel, India provides a unique insight into a fascinating melting pot of cultures and lifestyles. Watch out for violent crime (often against women), tainted local food and water and the threat of malaria and dengue fever.


Italy

Europe during Christmas is a world of exciting sights and experiences and Italy offers some of the best, with its history and architecture, spectacular scenery and culinary delights. When travelling in Italy, tourists are advised to be aware of scammers, drink spikers and petty criminals, ongoing industrial action and an increased threat of terrorism.


France

There’s nowhere more romantic than France, with its beautiful countryside, bustling cities and iconic landmarks such as the Louvre, Arc de Triomphe and Eiffel Tower. While France has a heightened terrorism threat, requiring vigilance in public places, it is as safe to visit as anywhere in Europe, with the only other main risks being occasional civil unrest and ongoing petty crime, particularly around tourist destinations.

Hopefully, this summary hasn’t put you off travelling to any of these destinations during the holiday period. There are risks associated with travelling anywhere and there is no reason why you can’t enjoy a safe and happy Christmas in any part of the world, provided you take precautions and check the Australian Government’s Smartraveller website for updated information.


Christmas safety tips

Continuing the theme of safety during the festive season, here are some general tips to help you stay safe at Christmas time.

  • Drive safely. If you’re travelling by road, don’t drink and drive and stop regularly for breaks to avoid driver fatigue.
  • Shop safely. Always buy Christmas gifts for children that are age-appropriate and that comply with Australian safety standards.
  • Decorate safely. Keep decorations and cards away from open fires, turn Christmas lights off when retiring for the night, be careful on ladders and roofs if putting up outside decorations and employ an electrician for any wiring jobs.

Take your travel insurance savings and spend them on someone you love

Finally, here are a few suggestions for cheap Christmas gift ideas using the money you’ve saved on your travel and insurance costs by following the tips in this guide.

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Richard Laycock

Richard is the senior insurance writer at finder.com.au and is on a mission to make insurance easier to understand.

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