Do you plan on hopping from one Asian country to the next? Then, you’ve come to the right page.
Asia is the largest continent on earth. It’s full of diverse countries that offer delicious food, beautiful sights and unforgettable experiences. However, it’s not without its risks, which is why we recommend travel insurance.
Here we’ll discuss:
Imagine you’re exploring an Asian city and you suddenly require medical attention, or a pickpocket steals your bag with your credit cards and passport inside. What do you do?
That’s the beauty of travel insurance – it can help you when things go wrong, and potentially save your trip from getting cut short. Think of travel insurance as a financial safety net; depending on your circumstances, needs and budget, it’s something you purchase but, with any luck, won’t have to use.
When you compare with us, you can read the Product Disclosure Statement (PDS) for each policy before you decide to buy. This means you can check out what’s covered, what’s not covered and how much you’re covered for with each available policy.
Getting sick or injured overseas is not only disastrous for your health and holiday plans, it can also hurt your bank balance. Unfortunately, Australia doesn’t have a reciprocal health care agreement with any Asian countries – so Medicare won’t foot the bill.
Thankfully, travel insurance with medical cover can help lessen hospital expenses and medical costs, including medical evacuation back to Australia if necessary. It can also provide 24/7 assistance services that can help you out if something goes wrong. The level of cover will depend on the insurance policy purchased.
Furthermore, Asia is home to some diseases which you need to mitigate against, they include:
Avoid close contact with animals and insect-infested bodies of water. You may also want to consider vaccinations. Visit your GP at least eight weeks before departure to discuss your options.
Petty theft occurs in most cities around the world, and tourists are prime targets for local criminals. That’s where travel insurance can save the day and cover your luggage and personal belongings from theft. It can also cover your property from damage and loss.
Missing a connecting flight due to a cancellation or delay can leave you with out-of-pocket expenses and throw your itinerary into disarray. Luckily, travel insurance can provide financial protection for cancellations or delays – up to a limit, and depending on the level of cover purchased.
If your airline doesn’t reimburse you for your cancelled or delayed flights, travel insurance may. What’s more, if you’ve booked a tour (For example, The Great Wall of China) which you can’t make because of cancelled or delayed flights, travel insurance can help cover the cost of additional travel and accommodation expenses. This cover varies among providers and will depend on the travel insurance policy purchased.
Travel insurance can also cover you for mother nature’s tantrums like storms, landslides and earthquakes. You can also get volcano and ash cloud cover.
Just like other types of insurance, travel insurance has exclusions. Things your travel cover generally won’t cover include:
Things can go wrong during your trip and before it. That’s why it’s useful to get travel insurance when you book your trip. A hotel could shut down, a flight could get cancelled or you could fall ill. Get covered appropriately for your travel plans and don’t tempt fate.
Many Asian countries, including Malaysia, Singapore and Indonesia, are strict on drug offences. Singapore also enforces penalties on things like spitting and littering. You should also take note of the varying legal drinking ages. For example, Japan’s legal drinking age is 20 while China’s is 18.
Want to be extra polite? Familiarise yourself with the local customs of each country. For example, in Japan it’s considered rude to wear shoes inside.
If you plan on hiring a vehicle, then we recommend adding car hire or motorcycle and scooter cover to your policy. You should also check the local licence requirements. For example, to drive in Indonesia you either need an Indonesian licence or an International Driving Permit (IDP).
Adventure sports are usually not covered in a typical policy. However, you can add on cover for adventure sports like scuba diving and surfing. Check the PDS or policy to better understand these options.
Australians can stay in some Asian countries for up to 30 days, while other countries have different immigration rules. For example, you’ll typically need a VISA to travel to China. We recommend visiting Smartraveller or the embassy websites of the countries you’re visiting to check their specific VISA requirements.
Also ensure your passport is valid – with at least six months remaining – when entering a country. Otherwise, you may be refused entry.