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Five Reasons You Need To Consider Travel Insurance
Julian Parsons

Five Reasons You Need To Consider Travel Insurance

Okay, you’ve worked hard to save for the trip of a lifetime.

To experience that dream location in some exotic part of the world.

The flights are booked, you’ve become fluent in three different languages and your luggage is packed and ready to go.

But have you thought of everything?

Have you saved enough money?

The following stats taken from a survey conducted by Quantum Market Research in 2018 titled South East Asia Traveller Behaviour:

  • 1 in 10 (11%) who travelled to South East Asia in the past two years went without any travel insurance coverage. These uninsured travellers are significantly more likely to be men (13% of men travelled without insurance).
  • Younger travellers were significantly more likely to have undertaken risky behaviours including water sports and riding of motorcycles. The majority (82%) of under 30s had undertaken some risky behaviour, compared to 70% of 30-49 year olds, and just 40% of over 50s.
  • Of those who travelled without any insurance, 1 in 8 (13%) expected they would receive an Australian government contribution to any medical expenses incurred.
  • Of those with a pre-existing medical condition, 1 in 5 (19%) did not check whether their insurance covered it. Female travellers (24%) and those aged 30-49 (30%) with pre-existing medical conditions were least likely to check their policy adequately covered them.


Travel Easy Travel Safe

One of the keys to safe travel is having the right information, but that works both ways.

Here are five facts you should know about when travelling without travel insurance:


#1 Consider the Unexpected

Do you know who foots the bill, if you become ill or have an accident whilst overseas?

Without insurance, you are personally liable for any medical and associated costs.

The Australian Government will not pay for your medical costs or medical evacuation to a third country.

If you are uninsured, it’s up to you or your family to cover the medical and associated costs resulting from accidents and or incidents.


#2 Some Tales Of Woe

There are countless stories about people who thought that travel insurance was either a myth or just unnecessary.

Unfortunately, for most of them, the outcome was both painful and costly.

The following are some stories relayed from Smart Traveller:

  • A female cyclist in Malta was hit by a car. Apart from some minor cuts and abrasions, she suffered a broken leg. Since the girl was staying with family and confident that Malta is a safe place to visit, she didn’t feel that travel insurance was required. But the end result was a $4000 medical bill.
  • Bali, being a cheaper destination is often popular with younger travellers. An 18-year-old girl nightclubbing with friends was rushed to hospital after showing symptoms of methanol poisoning. Fortunately, she recovered two weeks later, but because she was under the local legal age of 21 her insurer refused to pay the claim. The $25,000 in medical expenses were covered by her family who had to sell their car to make payment.


#3 Read the Fine Print and Understand the Policy

The above-mentioned story of the underaged girl nightclubbing with friends in Bali signifies the importance of knowing exactly what the conditions of your policy means.

While it is perfectly legal for anyone 18 years and over to enter licensed premises and consume alcohol in Australia, it’s not in Bali.

As a result, a lack of understanding cost the girl’s family a substantial amount of money.

Earthquakes are often at the very least, one of nature’s disruptive elements. But they can also cause evacuations and relocations.

Be sure that your policy covers emergency accommodation if the location is subject to earthquakes or extreme weather.

Public places are normally considered to be bus stops, parks, taxi ranks, car parks etc.

But a couple holidaying in Glasgow learnt the hard way when thieves broke into their parked car.

They took a range of items and luggage which totalled $3000 dollars, but because the car was parked in a public place the insurer refused to cover the item lost. This a common policy amongst travel insurers.

Finance experts at Metro Bookkeeping state that the fine print is where you’ll find everything you need to know. They suggest to “always be mindful of the inclusions of your travel insurance. Always know what you will get in order to have the proper service given.

Be mindful of the fine print listed under these categories:

  • Medical coverage and pre-existing conditions
  • Disability
  • Pregnancy
  • Cancellations
  • Delays


#4 Declare Any Existing Conditions

If you have an existing illness or condition ensure that the insurer is aware of it.

Travellers have been caught short.

No one is going to let you die but without the right cover, you could find yourself in inadequate hospital conditions that could result in substantial financial costs.

  • A man in his 60’s was admitted to hospital in Ho Chi Minh City with septic shock, cirrhosis and respiration failure. The insurer declined cover due to pre-existing liver disease. Without cover, the costs totalled $6,000.
  • A 69-year-old woman on a cruise in the Pacific was evacuated from the ship to a hospital due to complications with her medication. Again, the insurer refused to cover because of the woman’s pre-existing medical condition. She is a pensioner who is currently paying the hospital in instalments with the aid of her family.

It’s important to be aware of your body before departing on holiday says health improvement experts at Flex Osteopathy. They state that “although that minor tension in your shoulder seems fine now, the chance of further damage is more likely to increase when doubled with travelling stress. Don’t get caught up in medical bills if things take a turn, treat it early so you can enjoy yourself”.

#5 If You’re a Thrillseeker

You might be climbing Mount Everest, shooting rapids in Canada or skiing in Japan.

The running of the bulls is a dangerous annual event that attracts participants from all over the world.

One young man took the challenge and was gored in the back causing injury to his lung. The patient spent three weeks in hospital but because of the nature of his injury was not allowed to fly for 4 months.

The hospital costs alone totalled $32,000 dollars not to mention those associated with his extended stay.

While he did have travel insurance he wasn’t covered on this occasion because he failed to tell his insurer he’d be running with the bulls.

Mind and body experts at Peak Performance state that whilst you’re on holiday it’s important to take further care in unfamiliar surroundings. Their advice is to, “Keep in mind your safety and always keep your travel insurance details with you at all times. For peace of mind, share them with family or friends before you leave.

So, whatever the thrill or fun maybe, make your insurer or somebody aware of the activities you are doing.


Bon Voyage

The right travel insurance is achieved easily, via the right information.

Once you’re covered, planning the rest of your trip becomes a lot less stressful.

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