So, you're looking to buy travel insurance!? With so many options in the market, choosing the right policy can seem like a daunting task. So, here's the skinny of it.
These days you can buy travel insurance through travel agents, airlines, big general insurers, niche travel insurance brands and even supermarket giants.
Purchasing travel insurance through an agent or via the pre-selected option when booking flights online may seem convenient, but you are likely to pay more for less cover. Using a comparison to compare many quotes in one place and then buy your travel insurance direct online is not only convenient, but will leave you with more cash to splash on your holiday.
When comparing prices, it's important to understand the travel insurance policy you're buying. Look at the cover levels and understand what is and isn't covered. You should read the policy document or phone the insurer if you're in doubt of what is covered before you buy.
Many travel insurance companies offer multiple policies with different levels of coverage ranging from basics to comprehensive travel insurance. Some also offer policies for domestic travel insurance, to keep you covered when travelling within Australia.
Follow our tips to ensure you buy the right travel insurance:
- Make sure you have the vital things covered
Everybody’s trip is different and one size doesn’t fit all when it comes to finding a policy. The main things to consider are overseas medical expenses, cancellation, luggage and personal effects and personal liability.
- Emergency assistance
Ensure you choose a policy which has a 24-hour medical assistance hotline.
- Compare cover and prices online
Think about what cover you need for your holiday. A comparison website lets you easily compare features of various providers. A common mistake made by travellers is to buy the cheapest policy they find. This is not ideal as you might find you’re not adequately covered. The key is to get the right level of cover for your holiday at the best price.
- Get advice from others
It's a good idea to ask friends and family about their previous insurers to make sure you're buying from a reputable company. You can also hear what past customers think by going to independent review site compareinsurance.com.au and read their travel insurance reviews on all the different providers in Australia.
- Buy travel insurance asap
The sooner you buy your travel insurance the better. As soon as you've paid for flights and accommodation, travel insurance should be the next thing on your list. That way if you do need to cancel your trip for an unforeseen reason, you'd be covered.
- Be honest
It’s important to be honest with your insurer when you take out a policy – your claim could be rejected otherwise. If you have any pre-existing medical conditions be upfront about them so that you know you’re covered in case of an emergency.
- Read the small print
It may be long and tedious but to make sure you know what you are buying you should always read your policy documentation which explains all the inclusions and exclusions you need to be aware of.
Travel with peace of mind knowing you've got the right cover for your trip. Buy travel insurance from one of our reputable providers today!