Travel insurance checklist

Font Size:

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.



SPONSORED LINKS

Sign-up to the YourLifeChoices Enewsletter

continue reading

Government

Australians give big thumbs down to the public service

Only 27 per cent of Australians believe the public service acts in the public interest and only 22 per cent...

Brain health

Normal tension glaucoma linked to cognitive impairment

Australian researchers say they have established a link between the eye condition glaucoma and cognitive impairment, the state that often...

Lifestyle

Old wives' tales put to the test

Alice Shaw-Beckett, from cleaning company Cleanipedia, dissects 13 old wives' tales related to cleaning and pest control to discover whether...

Travel & Motoring

Consider this when deciding on a roadside assist deal

A reader raised an interesting point that I hadn’t considered before. When she bought her new car, it included -...

Technology News

Which portable heater is best?

As the famous Stark motto from Game of Thrones states, 'Winter is Coming' and that means putting the flannelette sheets...

Smartphones

What works, what won't, if you get your phone wet

Ritesh Chugh, CQUniversity Australia If you've ever got your phone wet in the rain, dropped it in water or spilt...

Nutrition

Are natural alternatives better than refined sugar?

Eating sugar shouldn't be demonised and tucking into a bar of chocolate after a stressful day is nothing to punish...

Health news

What your body may be trying to tell you

One of the unforeseen outcomes of a pandemic is that fewer people are going to the doctor to get unusual...

LOADING MORE ARTICLE...