Getting sick or injured overseas can be disastrous for your health and holiday plans, and 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 the right medical cover can help lessen the cost of medical treatment, hospital expenses and other medical costs, including medical evacuation or repatriation back to Australia if necessary. It can also provide 24/7 emergency assistance services to 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 protect yourself against:
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 effects from theft (provided your bags aren’t left unattended). It can also protect 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, depending on the level of cover purchased.
If your airline doesn’t reimburse you for your cancelled or delayed flights, travel insurance may. Or if you’ve booked a tour you can’t make because of cancelled or delayed flights, travel insurance can help cover additional travel and accommodation expenses. This cover varies among insurance providers and will depend on your trip policy.
If you are liable for injuring a person, causing their death or damaging their belongings, your legal fees or any damages paid could put a serious dent in your pocket. With travel insurance, however, you can be covered in cases where you are found personally liable; it’s advisable you do not admit liability or promise to make a payment before discussing the situation with your insurer.
If you’re overseas when a natural disaster occurs in your destination country, your travel insurance may be able to cover you against storms, landslides, earthquakes and more. If you’re going to a country known for its volcanic eruptions, you may want to consider volcano and ash cloud cover.
While endemics and pandemics are often excluded from travel insurance policies, depending on your insurer, you may be able to purchase cover for COVID-19 (coronavirus) related losses.
Things can go wrong during your trip and even before it. That’s why it’s useful to get international travel insurance as soon as you book your trip or make any deposits. 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.