Are you an Australian currently living overseas looking for travel insurance? If so you may want to consider taking out an expatriate policy with Globelink. Based in the United Kingdom, Globelink offers travel insurance to Australian, New Zealand and South African residents currently living in the U.K.
Whether you are looking for a single policy or annual cover for the year, Globelink offers a number of policies to meet a variety of traveller cover requirements with additional cover for repatriation back to Australia also available. This review will provide an overview of the cover provided by Globelink travel insurance to Australian traveller.
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Find out more about Globelink
- Globelink Travel Insurance for Australian expatriates
- Benefits available on Globelink Travel Insurance policies
- Additional options available on Globelink Travel Insurance policies
- Globelink Travel Insurance pre-existing medical conditions
- How do I make a claim with Globelink?
- Some final questions you might have about Globelink
As well as many additional benefits, Globelink Travel Insurance for Australian expats includes cover for the three main areas of risk;
- Trip cancellation and curtailment cover
- Emergency medical treatment cover, including repatriation back to the UK if required
- Cover for lost, stolen or damaged luggage and personal effects.
It also includes the option for expats to extend the medical repatriation cover to include repatriation to their home country. While Globelink has no minimum residency period for expats living in the UK, you are advised to register with a UK doctor before travelling.Back to top
The benefits offered by Globelink Travel Insurance policies include;
- Trip cancellation and curtailment - prepaid travel and accommodation expenses lost through trip cancellation and travel costs incurred as a result of returning home early.
- Emergency medical and other expenses – emergency medical, surgical, hospital, ambulance and nursing fees, emergency dental treatment, overseas funeral expenses and emergency telephone calls and taxi fares to and from hospital.
- Personal accident – cover for injury resulting in death, loss of limb, loss of sight or permanent total disablement.
- Missed and delayed departure – additional expenses incurred if you miss your departure or are delayed due to accident, breakdown, adverse weather or industrial action.
- Baggage – replacement or repair of lost or damaged baggage plus emergency replacement of essential items if baggage is delayed in transit.
- Personal money, passport & documents – cover for lost, stolen or damaged cash, documents and valuables up to the benefit limit.
- Extended kennel & cattery fees – additional kennel and/or cattery fees incurred due to your return home being delayed because of illness or injury.
- Legal expenses and assistance - legal costs to pursue a civil action for compensation against someone who causes you injury or illness.
- Personal liability - legal costs and expenses if you become legally liable for third party injury or property damage.
- Withdrawal of services - a benefit if you suffer withdrawal of services during your trip such as water, electricity, meals and room cleaning.
- Hijack – a payment for every 24 hours you are prevented from reaching your scheduled destination due to your aircraft or ship being hijacked.
- Mugging – a payment for every 24 hours you spend in hospital as a result of injuries sustained from a mugging.
- Catastrophe – a benefit if you are forced to move from your prepaid accommodation due to fire, lightning, explosion, earthquake, storm, tempest, hurricane, flood, medical epidemic or local government directive.
- Scheduled airline failure – reimbursement for the cost of prepaid airline tickets lost due to airline insolvency (conditions apply).
As well as many built-in benefits, Globelink Travel Insurance offers a range of optional benefits which you can add to your policy for an additional charge. These include;
- Cover for valuables – extra cover for valuable items and electronics such as laptops, mobile phones, iPads, cameras and video cameras.
- Event cancellation – cover for event cancellation including prior to departure and after arrival at your destination.
- Excess waiver – the option to have the excess you pay towards the cost of each claim waived.
- Golfer's cover – includes golf equipment, golf pack, golf course closure and Hole in One bar bill.
- Repatriation to home country - cover for repatriation to Australia, New Zealand or South Africa.
- Wedding cover - covers wedding attire, bands, cancellation of ceremony and/or reception, wedding photography and gifts.
- Winter sports - cover for skiing, mono-skiing, ski boarding, sledging and snowboarding.
- Return home option - allows you to travel home on up to two occasions to your country of residence within the EU.
- Adventure activities – cover for a range of activities graded according to their category of risk.
- Cancellation top up – allows you to top up your existing policy with extra cancellation cover.
Globelink Travel Insurance provides automatic cover for a range of pre-existing medical conditions. A pre-existing condition is defined as;
- Any respiratory condition, heart condition, stroke, Crohn’s disease, epilepsy or cancer for which you have ever received treatment
- Any medical condition for which you have had surgery or hospital treatment in the last 12 months
- Any medical condition you take prescribed drugs or medication for.
Globelink’s No Screen Conditions (those which are covered automatically) include a range of non-life threatening conditions such as asthma, cataracts, diabetes, hayfever, thyroid conditions and tinnitus.
If you have a pre-existing medical condition that is not covered automatically, you can either purchase a normal Globelink policy, knowing that it will not cover your pre-existing condition or you can apply for cover for your condition and if available, pay an additional premium.Back to top
The claims process with a Globelink Travel Insurance policy is as follows;
- Emergency claims - if you require emergency medical treatment due to illness or injury overseas, you will need to contact MayDay Assistance, Globelink’s 24-hour emergency assistance service as soon as possible on (+44) (0) 1273 624 661. If your illness or injury is likely to require hospitalisation or repatriation, you must first obtain approval from this service and a guarantee of payment to the hospital if required.
- Non-emergency claims – if your medical treatment costs less than 200 pounds, you will need to pay the bill yourself and seek reimbursement from Globelink. All other non-emergency claims can be dealt with online or by calling Globelink’s claims department on (+44) (0) 1420 383 010 during normal business hours.
Q: Which countries can I visit with my insurance?
- A: Europe west of the Ural Mountains, non-European countries bordering the Mediterranean (except for Israel, Lebanon, Libya and Syria) and worldwide (except for USA, Canada, Caribbean, Mexico and Japan).
Q: Can non-UK residents purchase Globelink Travel Insurance?
- A: Yes, Globelink provides cover to residents of all EU countries plus Australian, New Zealand and South African passport holders who are temporary residents in EU countries.
Q: What happens if I discover I am pregnant before travelling?
- A: Pregnancy is not considered an unforeseen event and is not covered by your policy. If you discover you are pregnant and wish to cancel your policy, you may do so within 14 days to receive a refund.
Q: What happens if my flight is delayed beyond the period of my insurance cover?
- A: If your flight is delayed on your homeward journey, your cover will continue until you reach home, even if your policy has expired.
Q: What is the maximum length of any one trip on an annual multi-trip policy?
- A: Globelink’s annual policies can cover trips of 17, 31, 45, 60, 90 or 120 days duration.
Q: Can I cancel my Globelink travel insurance?
- A: Yes, you have a 14-day cooling-off period in which you can cancel your policy for any genuine reason (apart from disinclination to travel or refusal of visa). During this period you will receive a full refund, possibly minus an administration fee.
Q: Can I travel on a one-way ticket?
- A: Yes, Globelink can provide cover for a one way journey to your home country.
Q: Can I extend my cover while I am away?
- A: Yes, you can call Globelink or apply online, but you must arrange the additional cover before the original policy expires.
Q: Can I work while I am abroad?
- A: Yes, providing it is non-manual work or manual work at ground level using hand tools only. All other types of work must be approved by Globelink.
Q: I am in the armed forces. Am I covered if I am called for duty?
- A: Yes, Globelink policies cover cancellation or curtailment due to posting overseas or emergency and unavoidable requirements of duty.