While Vanuatu is, generally, a safe country, the rate of road fatalities in Vanuatu is triple that of Australia.1 That’s to say, the lack of road rules, vehicle safety standards and driving laws in Vanuatu can increase the risk of accidents and injury.1
Travel insurance can help to cover the costs of unexpected medical bills, not just for accidental injury, but also illnesses and other medical emergencies. With 24/7 assistance to help you no matter what time it is, this feature is sure to come in handy on your holiday should the worst happen.
All travel insurance will have some level of medical cover. However, make sure you check the Product Disclosure Statement (PDS) provided by your insurer to ensure you have the cover you need.
If your luggage or personal belongings are lost or stolen, depending on your policy, your insurer will be able to reimburse you for the losses up to the amount specified on your policy’s PDS.
Personal belongings can include items like cameras, wallets, cash and jewellery. Most policies will have limits on certain categories of items – another good reason to review the PDS of your chosen insurer.
However, keep in mind that insurers won’t cover you if you left your luggage or belongings unattended (a common policy exclusion we touch on in further detail below).
Having the right type of cover will help ensure you’re covered no matter what activity you’re engaging in (provided you abide by your policy’s terms and conditions).
For example, if you’re planning on kayaking, scuba diving, snorkelling, water skiing or any other adventure activities, a standard travel insurance policy will not cover you for all of these activities in some cases.
To be covered for these activities and a whole lot more, you’ll have to get an adventure cover add-on. This add-on can help to cover the cost of any medical bills, damages, evacuations and more that may arise from these activities.
Vanuatu is in the Pacific Ring of Fire, meaning that there are frequent earthquakes and several active volcanos. The situation with volcanoes is unpredictable and changes frequently. Volcano eruptions and ash clouds can disrupt your travel plans, which is why it’s a good idea to get covered.
If you’re planning on renting a buggy to explore the islands of Vanuatu, consider getting rental car excess cover. If you get in an accident or the buggy gets damaged, you may be liable to pay an excess – the amount not covered by the rental company’s insurance.
Rental car excess can sometimes be thousands of dollars, which is why car excess cover can be handy for situations like this. After all, you don’t want to be forking out money to pay for exorbitant excess during a holiday.
If your flights are delayed or cancelled, the airline will usually compensate the passengers. However, when the airline doesn’t reimburse your ticket (e.g. if the cancellation was due to inclement weather), travel insurance may cover the cost. What’s more, your policy may also cover any missed accommodation bookings and deposits for certain activities due to flight interruptions.
You may also have to buy food and stay at the airport overnight if the delays take longer than expected. In cases like this, you’ll likely be left out of pocket; unless you have travel insurance with cancellation and delay cover
This feature will also cover your trip before you leave. If you’re involved in an accident, a family member falls ill, or you lose your job before you depart, you can cancel your trip, and your insurer may compensate you up to a certain amount for your holiday.
Make sure you read your policy’s Product Disclosure Statement to find out exactly what you are and aren’t covered for.