Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
It’s all about location and for most travellers, the saying couldn’t be truer.
From a five-star resort to a backpackers hostel, most of us can attest to the transformative power of a standout booking experience. Friendly service, clean amenities and safe, secure facilities can turn an average holiday to perfection.
Unless the loss is as a result of a fault on the accommodation provider's part, a hotel may only be liable to pay you a limited sum for missing items. For instance, in New South Wales, hoteliers can offer a maximum of $100 for any lost or stolen items. On the other hand, a travel insurance policy could cover the full cost of your possessions. Phew!Provided you leave your valuables in a safe, locked compartment and are able to provide receipts for your items, travel insurance can fully compensate you for the cost of your belongings. Most policies will cover your items for up to $750 each and more for specified valuables.
It’s every traveller’s fear; some freak occurrence has shattered your long-held plans, forcing you to give up on your dream holiday while burning through your prepaid travel expenses. A natural disaster for instance, can have a ripple effect on your itinerary, causing you to miss your flight, hotel check-in, tour date and more. In that scenario comprehensive travel insurance could bail you out, covering your lost costs and prepaid deposits. The following are some of the scenarios for which you’d be covered:
Should you injure yourself at your accommodation (or at any point during your travels) you would be eligible to claim for any incurred losses. Provided your injury was not the consequence of a drunken mishap or reckless behaviour, your policy would cover you for any medical and hospital expenses you incur.
You were promised balmy ocean views and a pristine beachside villa but discover a dilapidated shack with a car park lookout. Unfortunately travel insurance won’t cover a disappointing stay so it’s essential that you do your research and read plenty of reviews before booking your visit. Accommodation providers are obligated to match any written or visual representation of their rooms and services so you may be entitled to a full or partial refund if you believe you have been deceived. If possible, try first to resolve your issue directly with the accommodation service provider or booking agent. If that fails, you can make a complaint to the ACCC or your state-based consumer affairs body.
Although there are plenty of occasions where travel insurance will cover your trip alterations, change of mind is not one of them. While cancellations for medical reasons and unforeseen emergencies are usually covered, not having your holidays approved at work or a break-up are not coverable under travel insurance. Deciding to upgrade to a better hotel or a different holiday location due to a change of heart won’t be covered either so choose wisely.
While finding your ultimate suite retreat may be your end goal it’s just as important to to read your insurers policy documentation (known as the Product Disclosure Statement) to make sure you understand when you're covered, and when you're not. Once you have peace of mind, you can start to unwind and let those holiday vibes begin!