Travel Insurance Australia.
Why have Travel Insurance
Australia is a great place to travel, but things can go wrong. Like any insurance policy, Travel Insurance is designed to give you peace of mind when you travel.
When in a country other than your own, it is easy for things to go wrong. Missed connections, lost luggage, cancelled flights or even a tour operator going bankrupt can cost you serious money and inconvenience.
We don't want to fear-monger, but things can go horribly wrong when travelling, resulting in serious costs that can burden you and/or your family for many years.
The following are some statistics from the Department of Foreign Affairs and Trade
"Every day our consular officers deal with human tragedies involving the death, injury or hospitalisation of Australians abroad. Each year we handle over 25,000 cases involving Australians in difficulty overseas.
This includes over 1,200 hospitalisations, 900 deaths and 50 evacuations of Australians to another location for medical purposes.
In cases where victims are not covered by travel insurance, such personal tragedies are further compounded by a long-term financial burden. Hospitalisation, medical evacuations, or even the return of the deceased's remains to Australia, can be very expensive. Daily hospitalisation costs in Southeast Asia regularly exceed $800; return of remains from Europe in excess of $10,000. The cost of medical evacuations from the United States regularly range from $75,000 to $95,000 and sometimes up to $300,000. The department has handled medical evacuations from nearby Bali in which costs have exceeded $60,000.
Unfortunately, not all of these cases involved travellers covered by travel insurance. Travellers who are not covered by insurance are personally liable for covering incurred medical and associated costs. As a result, we have known instances where families have been forced to sell off assets, including their superannuation or family homes, to bring loved ones back to Australia for treatment.
We do advise: if you can’t afford travel insurance, you can’t afford to travel".
There really isn't much more that needs saying! We would not travel in a foreign country without travel insurance and medical insurance, it's as simple as that.
What is the difference between Travel Insuance and Travel Medical Insurance?
Travel Insurance insures your financial investment in your trip. Typically it covers such things as the cost of lost baggage and cancelled flights, but it may or may not cover costs of medical attention you may need while abroad.
Travel Medical Insurance covers costs of medical attention you may need while abroad.
As with all insurance policies, you will need to do your homework and ensure you are getting exactly what you need. Ask questions of the insurer, but most importantly read the fine print and do not take out your travel insurance or Medical Travel Insurance without fully understanding what it is you are getting.
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