PEACE OF MIND
Travel insurance is a pretty unexciting part of booking a trip but one I feel quite passionately about being an ex travel consultant. I have had many clients have things go wrong on trips ie illness prior to travel, during travel, luggage stolen etc etc. We all hope this won’t happen but travel insurance is piece of mind if it does. If you are travelling to the USA travel insurance shouldn’t even be optional. The cost of hospitalization over there is just beyond belief. If you are travelling to third world countries where facilities are not as good many travel insurance policies include evacuation in their cover. This means if you are ill and they deem it necessary they will organize for you to return to Australia for treatment.
I have always used Cover-More insurance (we were encouraged to try to use another company on our first trip to the USA and due to our son requiring pre existing cover for Cerebral Palsy the cost of the policy went through the roof!) So it was back to trusty Cover-More. Should have known better!
If in doubt of what is a pre existing condition phone the insurance company directly. It is better to ensure you are covered for everything rather than to try and claim if need be and find out you are not covered.
We have insured our son’s wheelchair when we travelled and although it adds to the policy a wheelchair is an expensive piece of equipment and the airlines really say ‘all care no responsibility’.
If you are planning more than one trip in a year, even domestically, look into an annual policy. We took out an annual policy even though we were only doing 2 trips as it worked out cheaper and it saved all the paper work for the insurance cover a second time.
Many credit cards offer travel insurance so check with them too but make sure they will cover any pre existing conditions. Once again shop around and do your homework.
To find out more about Cover-More Travel Insurance head to their website www.covermore.com.au