Travel is unpredictable. That’s what we love about it, but it can also mean that you are presented with unfamiliar circumstances when travelling. You might be asking yourself, “Do I really need travel insurance?” Insuring your trip is one of the best ways to help make sure it isn’t ruined by expensive emergency bills or sudden expenses. We asked our travel writer, Kerry Moss, to tell us some more compelling reasons for why she never travels without it.
It’s your help line for getting medical assistance overseas.
Thousands of Australians fall ill or have accidents when holidaying overseas each year.
Having the right level of travel insurance cover is critical when travelling. The right travel insurance can ensure that you get the best quality of care and you can be moved, either back home or to a better medical facility, if needed. They can even provide translators in foreign countries to help understand what the doctors are telling you.
You could go bankrupt without it …or worse!
Australia is fortunate to offer medical care to those who need it, but some other countries are not so lucky. In some countries, unless you have insurance or can pay the huge upfront costs, then you can be refused life-saving treatment. Even if you’re healthy before you depart, anyone can slip down a gutter and break their ankle or get dehydrated from a tummy bug.
Cancellation Costs can be crippling.
More painful than suffering a last-minute injury that ruins your trip can be the realisation that you can’t get back the big bucks you paid for travel arrangements or a tour. Travel insurance provides peace-of-mind coverage that protects you from the non-refundable costs of cancelling your trip
Ever lost your bag?
You leave Australia in your winter clothes, knowing that when you arrive in the tropics you’ll change into your bathing suit and head straight to the pool. Nothing ruins a vacation faster than lost, damaged or stolen luggage. Travel Insurance can help with reimbursement for some of the things that you’re forced to buy upon arrival.
Stress free car hire.
If you’ve ever hired a car, you’ll be familiar with the spiel that if you have an accident (your fault or not) then you’ll be stung with a hefty excess of up to $5,000. Comprehensive travel insurance has car hire excess reduction built into it, which means you’re covered without having to take any additional insurance from the car hire companies.
The cost of travel insurance varies depending on your age, your current health status, the length of your trip and your destination, but with the average insurance policy costing a few hundred dollars and the average travel insurance claim coming in over $10,000, the numbers make sense. There are plenty of horror stories of travellers who didn’t take insurance and ended up with bills well in excess of $100,000.
You’re on your own without it. Unless you have a trust fund and a banker on call to transfer thousands of dollars into your account to access for unexpected travel expenses, then you’re on your own. The Australian Government will not pay for travellers’ medical treatment overseas or medical evacuation overseas.
Travel insurance is sold by reputable travel agents and other insurance providers. Speak to trained professionals to make sure you get the best advice.
Truth is, if you can’t afford travel insurance, then you can’t afford to travel.