The Indispensable Travel Companion: Why insurance is your best mate on any journey.
Travelling, whether it's to the serene beaches of northern Queensland or the bustling streets of Tokyo, is an adventure filled with excitement and discovery. However, amidst the thrill of exploring new destinations, one crucial aspect is sometimes overlooked: travel insurance. Whether you're backpacking through the Australian outback or jet-setting across international borders, having travel insurance is an important consideration.
1. Unexpected mishaps know no borders:
When it comes to travel, uncertainties can arise at any moment. From flight cancellations to medical emergencies, mishaps don't discriminate based on location. While domestic travellers might assume they're immune to certain risks, the truth is, accidents can happen anywhere. If you're hiking in the Blue Mountains or snorkelling in the Great Barrier Reef, having insurance can help cover you for unforeseen circumstances that may arise during your travels.
2. Medical emergencies:
Health emergencies are among the most pressing concerns for any traveller. Travel insurance can include benefits for things like medical treatment, hospital stays, and emergency evacuation, which may offer protection in the event of an unforeseen illness or injury.
3. Trip cancellations and interruptions:
Even the most meticulously planned trips can be derailed by unforeseen events such as natural disasters, personal emergencies, or airline strikes. In some instances, travel insurance can help recoup non-refundable expenses such as flight tickets, hotel bookings, and tour reservations. Whether you're forced to cancel your trip before departure or encounter disruptions mid-journey, insurance can help safeguard your financial investment, possibly allowing you to reschedule or obtain refunds depending on your policy.
4. Covid-19:
If you're traveling domestically or internationally, being diagnosed with COVID-19 while away from home can be a daunting experience. Fortunately, many travel insurance policies automatically include coverage for common scenarios related to COVID-19. This coverage often extends to overseas medical costs, providing financial protection in case of unexpected illness. Additionally, policies may offer cover for certain cancellation and amendments related to COVID-19, which can stop you being left out of pocket if your travel plans are disrupted due to you being diagnosed with the illness. Furthermore, some plans may include benefits for additional COVID-19 expenses, providing can provide further protection during your travels. It's crucial to carefully review the details of your travel insurance policy to understand the extent of coverage and any exclusions that may apply.
5. Lost or stolen belongings:
The last thing you want to worry about while travelling is the loss or theft of your belongings. Losing your passport, wallet, or luggage, can quickly turn a dream holiday into a nightmare. Travel insurance may typically include coverage for lost, stolen, or damaged belongings. It may also provide coverage for reimbursement of essential items if your luggage doesn’t arrive with you at your destination. This can help minimise the inconvenience caused by such mishaps. Always refer to the relevant PDS for full details on what the product does and does not cover.
6. Emergency assistance and support:
Travelling to unfamiliar destinations can be daunting, especially during emergencies. If you find yourself stranded due to a cancelled flight or in need of urgent assistance, travel insurance often includes 24/7 emergency assistance services. From arranging alternative travel arrangements to providing legal assistance and medical referrals, these support services ensure you're never alone in navigating challenging situations while abroad.
In the realm of travel, uncertainties are the only constant. Whether you're exploring the hidden gems of Australia's rugged landscapes or venturing into the bustling streets of foreign cities, having travel insurance is akin to having a reliable companion by your side. From medical emergencies to trip cancellations and lost belongings, insurance can provide a safety net that mitigates the financial and logistical challenges of unforeseen circumstances. So, before you embark on your next adventure, remember to pack your bags, grab your passport, and don’t forget to secure comprehensive travel insurance—because when it comes to travel, it's better to be safe than sorry.
Need travel insurance for your next trip? Cover-More Travel Insurance offers a range of insurance options. In partnering with CGU Insurance, we can help you access Cover-More Travel Insurance.
Limits, sub-limits, conditions and exclusions apply. Any advice provided is general only and does not consider your needs or financial situation. To see if the product is right for you, always consider the Product Disclosure Statement and Target Market Determination.
Cover is subject to limits, sub-limits, conditions, and exclusions in the PDS. Travel insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713), and promoted and distributed by Insurance Australia Limited (ABN 11 000 016 722; AFSL 227681) trading as CGU Insurance and its distribution partners (including QPCU Limited trading as QBANK ABN 79 087 651 036, AFSL 241413.) Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined PDS/FSG available from here to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit here.
