Along with the continuous development of the tourism industry in Australia, travel insurance services thus receive more and more attention. Because the travel insurance Australia offers many benefits to travelers, it is always a priority for many people before the vacation. 

Travel insurance Australia
Enjoy the great days with the travel insurance Australia

If you and your friends are planning for a vacation in Australia for the next vacation? InfoCreditFree thinks you should get a travel insurance in Australia. Why? Please read carefully the article today about some features of the best travel insurance.

TRAVEL INSURANCE AUSTRALIA

As well as the previous article about the travel insurance USA, this post includes three parts. They are: “Somethings about the travel insurance Australia”, “Why people should get the Post Travel Insurance Australia?” and “Compare the plans of Post Travel Insurance Australia”

1. Somethings about the travel insurance Australia

1.1. You don’t need travel insurance in safe countries

Most people who are going to a war zone will invest in travel insurance, but for some reason, travelers to countries considered relatively safe tend to save on insurance premiums. Surprisingly, the majority of complaints related to incidents in countries popular with Australians like Indonesia (especially Bali), the United States, and the United Kingdom.

1.2. The government will cover any medical expenses

The simple answer is that the medical costs customers incur abroad are not covered by Medicare and they can be significant. A one-night stand at a North American hospital is reported to cost as much as $ 10,000, and if customers are not lucky enough to spend one night in intensive care, you may be charged up to $ 21,000.

The government’s Smart Traveler website recommends that all Australians should take out travel insurance. “No matter how well prepared you are, how healthy and healthy you are – if you can not afford travel insurance, you can not afford to travel,” he said.

1.3. Customers only need insurance if you’re a thrill-seeker

Planning a bungee jumping when you’re away? Then you will definitely want to get insurance (and check the prints very closely to ensure you are covered for such dangerous activities). But most complaints are made for many reasons like lost luggage, travel cancellations or medical treatment.

1.4. All household insurance policies provide protection

Some household insurance policies may include devices such as laptops, cameras and other valuables when traveling. It may not cover much more. If you find yourself at the destination without a bag and you need a replacement wardrobe or you break your ankle on the ski slopes and end up in a foreign hospital, you can not rely on the public household insurance company to rescue. Check the policy if be unsure.

While you are there, check the health insurance to ensure it will cover the major medical expenses incurred abroad or the worst case, medical evacuation from overseas.

1.5. I can always get a refund from my airline

Which depends. Many cheap airline tickets are non-refundable flights and even higher-priced airlines do not always help with the cost incurred by a traveler when the flight is canceled due to weather. Without proper travel insurance, you may face an unwanted bill for an overnight stay at the hotel, food and incidental expenses. In order to re-establish a flight, even in the event of an emergency, fewer airlines will reimburse the full cost of the flight so you will find yourself out of pocket.

Travel insurance Australia
Enjoy the great days with the travel insurance Australia

2. Why people should get the Post Travel Insurance Australia?

  • Choose excess. Customers can choose the excess on the international travel plans, the higher the excess chosen, the lower their premium will be.
  • Increased luggage cover. Customers can increase coverage of valuable individual items with the International Comprehensive and Domestic travel plans.
  • Increased rental car insurance excess cover. Customers will have $3,000 standard cover on an International Comprehensive or Domestic plan
  • Skiing, snowboarding, motorcycling, and mopeds. This insurance can cover winter sports or riding motorbikes – just ask us for a new international travel insurance quote.

3. Compare the plans of Post Travel Insurance Australia

Benefit International Comprehensive Basic International Domestic
Overseas medical expenses unlimited unlimited No
Additional expenses unlimited unlimited $10,000
Amendment or cancellation costs cover chosen No $10,000
Luggage and personal effects2 $7,500 No $4,000
Travel documents $5,000 No $4,000
Delayed luggage allowance $750 No No
Theft of money $250 No No
Rental car insurance excess $3,000 No $3,000
Travel delay $2,000 No $1,000
Resumption of journey $3,000 No No
Special events $5,000 No No
Hospital incidentals $5,000 No No
Loss of income $10,000 No No
Accidental death $25,000 $10,000 $10,000
Disability $25,000 $10,000 $10,000
Personal liability $5,000,000 $5,000,000 $5,000,000

3.1. International Comprehensive Post Travel Insurance Australia

  • Choose customers’ excess
  • Increase customers’ single item limit for personal effects
  • Increase customers’ rental car excess cover
  • Add cover for the winter sports
  • Add cover for existing medical conditions
  • Add cover if customers’ plan to ride a motorcycle or moped

Some benefit of International Comprehensive Travel Insurance is:

  • Overseas medical expenses
  • Additional expenses
  • Amendment or cancellation costs
  • Luggage and personal effects
  • Travel documents
  • Delayed luggage allowance
  • Theft of money
  • Rental car insurance excess
  • Travel delay
  • Resumption of journey
  • Special events
  • Hospital incidentals
  • Loss of income
  • Accidental death
  • Disability
  • Personal liability

3.2. Basic International Post Travel Insurance Australia

The optional extras include:

  • Choose customers’ excess
  • Choose single trip or annual multi-trip
  • Add cover for existing medical conditions

Some benefit of Basic International Travel Insurance is:

  • Overseas medical expense
  • Additional expenses
  • Accidental death
  • Disability
  • Personal liability

3.3. Domestic Post Travel Insurance Australia

Customers can also add an optional cover, including:

  • Increase customers’ single item limit for personal effects
  • Increase customers’ rental car excess cover
  • Add cover for winter sports
  • Add existing medical conditions cover

Some benefit of DomesticTravel Insurance is:

  • Additional expenses
  • Amendment or cancellation costs
  • Luggage and personal effects
  • Travel documents
  • Rental car
  • Travel delay
  • Accidental death
  • Disability
  • Personal liability

In order to get a cheap travel insurance package, customers should consider a lot of the factors, especially the insured aspects and compare any travel insurance you know. The article briefly introduces the travel insurance in Australia. In the next article, we will introduce people about travel insurance in Canada.

Hillary (Team Content) – Travel Insurance