Top Insurance Tips

Whilst planning your holiday in Australia, you will no doubt have looked for cheap flights, bargain accommodation, or a great package deal...but have you considered your travel insurance? Don’t let a travel agent just add it on, it’s a costly mistake!

Here are some of our Top Travel Insurance Tips to help you save some pennies and assist you in choosing the policy that’s rights for you. We have carefully researched and selected the leading travel insurance providers who specialise in Backpacker Insurance, Annual Multi- Trip and Single Trip Insurance.

As a nation we always say “it will never happen to me” or “do I really need travel insurance?” However in reality lost luggage and upset tummies are a common occurrence and the cost of medical bills go through the roof for non – citizens. Plus think about it...all that wasted cash you spent on your holiday, while you’re sitting in bed instead of enjoying yourself.

When you chose your travel insurance policy makes sure it has a 24 hour emergency line and covers you for any legal costs. A typical policy will cover you for your baggage (£1,500) cancellation (£3,000) cash (£250) personal liability (£1m) and your medical expenses (£2m).

When you book your trip to Oz, book your travel insurance too, just in case you need to cancel (e.g. illness or bereavement). If you waited until the last minute to arrange this, then chances are you will not be covered in this situation. Also make sure the cancellation cover matches the cost of your holiday.

With regards to your baggage cover; watch out for companies who stipulate single item limits, which are usually around £200 - £300. This might not be enough if you are taking an expensive item such as a lap top and you may pay excess on single item limits.

If you are travelling around Australia, perhaps on your gap year and intend on staying in Australia for a long period of time, then you need to look at taking out specialist Backpacker Insurance. If you are heading off to Oz on a holiday then you need to decide whether to take out Annual Multi – Trip Insurance or Single Trip Insurance. Single trip policies start from a few £’s and as a rule if you take at least 1 short haul and 1 long haul trip every year, then the annual policy will be cheaper.

The top companies we have chosen for your perusal offer tailor made policies in addition to the above, which include Family Travel Insurance, Over 65’s Travel Insurance and Winter Sports Insurance. These companies will find you the right insurance policy at the right price, whatever your budget.