1. Is it adequate for our active trips?
- Does it include emergency evacuation for mountain trips?
- Does it cover extreme weather contingencies like typhoons that will cause disruption to your travel plans and leave you out of pocket?
Ensure your insurance provider has its own in-house emergency team to provide assistance should you require it.
2. Don’t leave it too late
It won’t cost any extra to arrange travel insurance at the time of booking; however, it could potentially save you a fortune down the track. Insurers may not cover you if you have booked insurance AFTER a foreseeable event has occurred, eg flights cancelled due to an upcoming typhoon.
3. Ask our in-house travel agent
Our in-house travel agent Rosalind is an accredited agent of Cover-More Travel insurance and an experienced traveller. She will assist you to find the right product to suit your needs.
4. Choose a reputable insurer
Choosing a company with a good reputation means they will know how to look after you in your time of need.
5. Not all policies are the same
Travel insurance products can vary greatly. It’s important to read what is covered and find the policy that is right for you. When you have spent thousands on your trip make sure your insurance is up to scratch and will cover you properly.
6. Lowering the premium
To save on the upfront premium, look for a policy with a variable excess option.
7. Existing medical conditions
Avoid delays in your insurance purchase by looking for a provider that offers an immediate assessment service.
8. Don’t get caught out
Credit cards generally have strict restrictions for free insurance coverage; make sure you read the policy wording and identify any gaps.
Find out more: Credit card checklist
9. Should you need to claim
Keep hold of any reports or receipts in the event you need to claim.
10. Do not EVER consider travelling overseas without travel insurance.
RAW Travel is an Authorised Representative of Cover-More Insurance Services Pty Ltd AFSL 241713. Limits, exclusions and conditions apply. This is general advice only. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Consider the Combined FSG/PDS (available from us) before deciding about this insurance. The issuer of insurance is Great Lakes Australia ARBN 127 740 532, ABN 18 964 580 576, AFSL No. 318603