Explore Travel Insurance

If your holiday is going to be the ultimate trip abroad, it might require the ultimate protection.

For all the things that will go right on your holiday (e.g. great food, amazing vistas, meeting celebrities on the beach), many other things can go wrong (e.g. food poisoning, bad weather, a celebrity accidentally running over your foot).

So, let’s look at your protection for the worst-case scenarios; better known as comprehensive travel insurance.

Do I need comprehensive travel insurance?

Comprehensive travel insurance covers you across a wider range of situations on a journey. For example, while a basic policy may only cover you for a few things (like medical expenses), comprehensive travel insurance could pay cash sums if your luggage is stolen, or if your trip is cancelled due to bad weather and more.

What does comprehensive travel insurance cover?

The most significant thing your comprehensive travel insurance will protect is your peace of mind, which can be in short supply when things go wrong in a foreign country. Luckily, with the right travel insurance, you won’t have to worry about surprise costs.

Let’s review what comprehensive travel insurance may cover:

What’s covered?Details
Medical expensesEmergency transport, as well as both hospital and general medical expenses, is standard cover for many different travel insurance policies.
Stolen/lost belongingsCover the value of your belongings (e.g. your suitcase is stolen from the back of the cab).
DelaysIf weather, flight cancellations or unexpected events prevent you from reaching your destination – even if it’s just for a short period – the delay may be covered by travel policies.
CancellationsFees associated with having to cancel your trip may be covered (e.g. volcanic eruption halts all air travel to the area).
Surprise costs from extended staysMeals, accommodation costs; delays can be costly, but travel insurance can help pay for an extended stay.
Repatriation
(i.e. return home)
If you need to come home (e.g. you’re sick or injured), your insurer may cover your repatriation costs. Travel insurance can also help pay for you to return home if you have a family emergency.
Please note: Policies differ, which means you may not be covered for all or any of the above by any comprehensive policy, nor will the claim limits listed above necessarily represent exactly what you will be able to claim. Read the Product Disclosure Statement (PDS) of any policy before you take it out for more information about your coverage.

That’s just some of what a policy might cover as standard. However, you can pay a little bit extra to ensure your policy covers even more mishaps – as optional extras. Here are a few examples of optional extras your policy might have available:

  • hole in one. If your trip involves hitting the links, you might get into some serious trouble, like hitting a hole in one and owing the whole bar a round of drinks. Some travel policies may actually cover this cost;
  • snow and adventure sports. If you’re hitting the ski slopes or the hiking trails on your trip, some providers may provide this cover as an optional extra;
  • While cruise cover is often excluded from automatic cover, some providers may offer it as an optional extra which can include medical evacuation;
  • increased item limits for personal items. If you’re travelling with valuable items (like phones and cameras), you can insure these for a higher amount than the rest of your luggage;
  • choose your own excess (or waive it entirely). By paying a higher premium, you may be able to choose your excess amount or waive it;
  • rental car excess cover. Should you hire a car to travel around in and get involved in an accident, your provider may cover the cost of the excess the rental company may charge you; and
  • motorcycle or moped cover. Like snow and adventure sports above, activities involving motorcycles and mopeds may not be automatically covered by your policy, but instead offered as an optional extra.

You may also have access to 24/7 medical and emergency assistance over the phone through your provider.

Comprehensive travel insurance: Exclusions and what to watch out for

Here’s a rundown of some of the more common exclusions found in comprehensive travel insurance policies:

  • pre-existing medical conditions. Some providers may offer coverage for pre-existing conditions as an optional extra;
  • being under the influence of drugs and alcohol;
  • travelling to a country after a travel warning has been issued;
  • extreme, winter and adventure sports. As mentioned above, though, you could potentially cover your thrill-seeking activities through optional extras; and
  • acting illegally, recklessly or dangerously.

How much does a comprehensive travel insurance policy cost?

You don’t need to break the bank to get comprehensive travel insurance. In fact, a single adult traveller could comprehensively cover their trip for less than $30*, while a family could potentially take out a comprehensive policy for less than $50**!

*Based on a quote for a single adult travelling to New Zealand for seven days in June 2019.
**Based on a quote for a family of two adults and two children travelling to New Zealand for seven days in June 2019.

Compare comprehensive travel insurance today!

Heading off on the trip of a lifetime soon and haven’t sorted your travel insurance? You can do that right here, right now through our travel insurance comparison service. All you need to do is enter a couple of details and, within minutes, you’ll have a selection of comprehensive policies to compare and choose from. Simples!

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