Most travel claims fall into one of a few key areas. We detail those below, and try and outline how you can get the best result if claiming.
One insurer estimates that 1 in 3 travel cover claims are because of theft of personal property.1 Just how big of a problem is theft overseas? In 2014-15, consular services provided assistance to
Comparative to the millions of people travelling overseas, these numbers aren’t extremely high. However, they comprise a small amount of reported incidents for Australians only. And it just goes to prove that anything can happen on your trip.
Just look a little further abroad; one publication states that roughly 400,000 tourists are victims of pick pocketing every day.3
Audit your belongings, cash, and personal effects before you leave, ensuring you record where you kept the receipts or take photos (i.e. documenting proof of ownership).4
But if you want to avoid claiming on lost goods in the first place, it’s all about maintaining constant vigilance wherever you go.
Another travel insurer stated that 2 in every 5 insurance claims for Bali travellers was for medical care.5 Is this a problem elsewhere in the world? Absolutely!
Getting sick or injured is one unpleasant reality of travelling. Your body, likely jetlagged and not used to its foreign environment, can be susceptible to all manner of unknown ailments, and injuries can occur when you’re dealing with unfamiliar territory.
Claims related to illnesses and injuries are denied all the time, for reasons that will probably not surprise you.
Another insurer has previously stated that a quarter of their insurance claims are due to cancellations of travel.6 Why is this such a significant problem?
Well, it actually isn’t in Australia. In 2015, 86% of Aussie flights arrived on time, and 87% departed on time (on average), according to BITRE statistics.7 On a global scale, this map from FlightStats.com shows that Australia is pretty consistent with their on-time arrivals compared to other airports across the globe – green means they’re usually on time, orange to red means they’re not.
But take a good look at the map on the page we link to above – not everywhere else in the world is ‘green’, and even in Australia a 14% chance of delay is not appealing. If you invest a lot of money on your trip, only to have it squandered by a flight that never leaves the runway, travel insurance may help you claim back some of that lost cash if (for example) you owe a tour operator cancellation fees.
Keeping to your itinerary is as simple as flying with reputable airlines, booking with reliable tour operators, and staying healthy and alert during your trip.
Now you know what’s at stake, consider learning more about travel insurance before setting sail on your dream trip across the pond.