Travel Insurance is an insurance product that provides coverage to individuals and families who travel, domestically or internationally for pleasure. Travel Insurance protects individuals against the financial disruptions and impacts from serious accidents, illness or travel delays that may occur whilst travelling. 

Travel Insurance coverage can change depending on different policies that are available and the associated inclusions and exclusions.

Most travel insurance policies can provide cover for:

• Emergency hospital and medical expenses
• Hire care access
• Cancellation expenses due to delayed flights or illness
• Travel document replacement
• Luggage replacement

Be sure to check what is NOT covered in your policy. This might be things like extreme sports or activities such as skiing, theft of unattended items, treatment for pre-existing medical conditions, travelling against government advice or incidents that happen while you are under the influence of drugs or alcohol. Be sure to read your policy carefully or seek the help of an insurance broker with experience in Travel Insurance.

Travel Insurance costs depend on the type of insurance coverage you are looking for and the number of people you are looking to have covered. 

Some variables that impact the cost of your travel insurance include:

• The number of people to be covered by your travel insurance policy.
• The contribution of Domestic or International travel to be covered.
• With International Travel, the different countries being visited and the locations within these countries.
• The frequency of travel to being undertaken.
• Length of travel being conducted.
• The activities that are undertaken whilst away travelling.
• The methods of transportation being used during travel.
• Whether you upgrade to cover for high risk activities

The cost of Travel insurance is often a function of the coverage being provided, so cheaper Travel insurance may not always offer the same levels of coverage as more expensive alternatives. You want to consider your coverage requirements first, and then seek to find the cover that meets your needs at the best price point.

In insurance broker with expertise in Travel Insurance will be familiar with a range of policies and can help to find the best one for your situation.

Using an Insurance Broker for your Travel insurance needs helps to ensure that you have managed your unique set of risks during travel.

Every person or family and every travel plan is different and an insurance broker can help by assessing your unique risk profile and providing advice on the best insurance cover, including Travel insurance. An insurance broker will also help when it comes time to claim, advocating for you to negotiate the best outcome in the settlement of your claim with the insurer.

So whether it's a an overseas injury, lost or stolen baggage or delayed or cancelled flights, your Insurance Broker can assist you to be covered.