Smartraveller.gov.au – the Federal Government’s online resource for safe travel – highly recommends you take out travel insurance before you go on a trip.
We go one step above this by encouraging you to take out the right travel insurance. While there’s no doubt it’s an integral purchase for your travels, you should make sure the policy you take out is tailored to your needs, budget and travels. To get more value from your travel insurance you should purchase your cover as soon as you book your flights or pay any deposits as most policies offer cancellation cover that commences on the purchase date, so you can be covered in case you need to cancel your trip due to unforeseen events.
One thing to look for when shopping around for travel insurance, is a policy that covers who you are and what you’re doing on your trip. As such, we’ve detailed some examples below:
When travelling with your family, you have more belongings to insure, more bodies that could fall ill and more unforeseen situations you can’t pre-empt. Family travel insurance can cover your whole brood under one policy.
You may think that your pregnancy limits your travel, but that’s not entirely true. You can get cover depending on how far along you are and whether you’ve had any complications. See how travel insurance for pregnancy can cover you and your unborn baby.
When travelling as a senior citizen, there may be additional hoops you need to jump through prior to departure to get coverage for your journey. Don’t let your age stop you from globetrotting and check out seniors travel insurance.
Feel the call of the open ocean? Domestic and international cruises are covered by travel insurance, though typically you have to purchase additional cover. See how you can be protected at sea and beyond with cruise travel insurance.
Travelling in a group? Everyone can be covered for the same activities and events, both before and after you depart, with group travel insurance.
Younger travellers are always keen to explore and experience new things. They needn’t worry about cost because student travel insurance is designed for budget-conscious #wanderers.
If the wild calls to you, then you should at least make sure you’re aware of what you will and won’t be covered for on your epic adventure. See how travel insurance for backpackers can protect you, so you can focus on the fun.
If you’re hitting the slopes on your holiday, you should consider snow sports or ski insurance. This covers things like winter sports, piste closures, ski equipment hire and medical treatment.