Travel insurance checklist

Even smaller incidents such as lost luggage or missed travel connections can have a disastrous affect on your holiday plans and budget.

Even smaller incidents such as lost luggage or missed travel connections can have a disastrous affect on your holiday plans and budget. When choosing travel insurance, make sure it suits your needs so you’re not paying for something you don’t need, or need something you’re not paying for! YourLifeChoices travel insurance checklist should help you get the right cover.

Make sure you get the right cover – travel insurance should at least cover the following:

  • any medical expenses which arise from injury or illness
  • personal liability expenses
  • theft or loss of goods or luggage
  • disrupted travel plans such as missed or cancelled flights

Don’t stretch the truth – be totally honest when you buy a policy, make a claim or should your circumstances change. Insurance companies will investigate what you tell them and even the simplest untruth can render your policy nil and void.

Choose the right policy. If you rarely travel then choose a policy that covers you for the period you are travelling. For those who travel more frequently, an annual policy may be a cheaper option. Before you purchase a policy find out the following:

  • How much it will cost?
  • Is there an excess and can this be reduced? Some policies will offer lower premiums for a higher excess.
  • Exactly what is included and more importantly, what isn’t. Some high-value items may need to be separately insured, or better still, left at home.
  • Individual item thresholds. You may only be insured for a fraction of the cost of each item you take with you.
  • Contact numbers for your insurer while travelling.
  • What paperwork you need to carry with you.
  • How do you make a claim and what do you need to support it?

Make sure you know what your policy offers. If you’re unsure of a clause or policy wording, seek clarification in writing. Clauses can be confusing and while you may think you know what constitutes an act of God or a natural disaster, your insurance company’s definition may differ.

Once you’ve worked out what you need, you can purchase your travel insurance safe in the knowledge that you’re getting the right cover for you.


    To make a comment, please register or login
    6th Dec 2012
    I have been waiting for this opportunity. The insurance company I would advise EVERYBODY to avoid is SURESAVE I think from Sydney. At age 80 I took out a policy for travel to U.S. unfortunately, unable to remember the cost charged, but the excess was $300. I had to make a claim of $5,000. They then charged $1,000 excess, and paid in $AU. The amount paid to be was in the vicinity of $2,000. and if not satisfied I could appeal and would get an answer within 12 days. I was not satisfied and did appeal, that was in 2009. I'm still waiting on their response.

    6th Dec 2012
    I have been insuring with ACE Insurance and the first time I did insure with them was for a cruise. Hubby got sick before travelling and we got our money back very quickly. I can only say as I find and I found them very good.
    7th Dec 2012
    I Cover is underwritten by Allianz and appear to be the best for value comparing Allianz itself and Seniors travel insurance (again underwritten by Allianz) and for travel within Australia?
    7th Dec 2012
    Can't praise Zurich enough. We have CBA Mastercards so were automatically insured for travel when we embarked on our 10-country "mini world tour" recently. The travel agent warned us to check what the insurance covered before departure, which we did. A very prompt response from the underwriters, Zurich, and we were satisfied that we were well covered - which was just as well because I caught a kidney infection in the UK and we had to come straight back to Australia, missing our final country (South Africa) and necessitating a few train, coach and flight changes. The claim application was detailed, but straightforward. Our claim was paid in full (minus nominal excess) without further ado, within the timeframe quoted. Can't ask for better than that!

    7th Dec 2012
    I am pleased that you were paid out in full. We also have Mastercards but I still pay for insurance as I would not feel fully comfortable ; maybe I am being stupid but I feel there is no such thing as a free lunch and I want to be assured that I will be fully covered if anything went badly wrong especially as we are seniors.

    I wonder if anyone else has had experience using the insurance that comes with credit cards and that experience was not as good.?
    9th Dec 2013
    I did have a bad experience which was from the CBA credit card too.The airline which I bought the tickets from gone bankrupt .When we made a claim to Zurich we got rejected
    not having one cent back .Although they said we could appeal but could not go through
    all those paper work again so we didn't. Lost $ 1600 all together
    13th Feb 2016
    I would like to have the able read the checklist shone on the right side of the page

    Any chance of that ???

    Join YOURLifeChoices, it’s free

    • Receive our daily enewsletter
    • Enter competitions
    • Comment on articles