I strongly recommend all travellers have Travel Insurance but not all Travel Insurance policy’s are the same. When considering and comparing policies, here are a few questions to ask:
- Is there a 24/7 emergency assistance number?
- Does credit card travel insurance need to be activated?
- Does credit card insurance cover all travellers or just the cardholder?
- What is the excess?
- Are you covered for lost / stolen money/ credit card?
- Is there an age limit on the policy?
- Are you covered for ‘pre existing medical conditions’?
- What are pre existing medical conditions?
- Is pregnancy a pre existing medical condition?
- Are you covered if you’re pregnant?
- Does the policy cover the rental vehicle excess (a recent rental in Australia had insurance included with a $6000 excess on claims)
- Do you have a hard copy of the policy wording and understand it
- Do you have a policy number to provide hospitals or other parties in case of emergency?
- Does the policy cover you for natural disasters occurring?
- If you’re skiing/snowboarding/rafting/bungy jumping etc – are you covered?
Disclaimer: I do not provide any advice based on any consideration of your objectives, financial situation or needs. It is the purchaser’s responsibility to ensure any product purchased is right for them
Peace of mind
