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Choosing the right travel insurance for your Christmas holiday

Whether you're visiting family, chasing a winter wonderland, or just escaping the hustle and bustle of everyday life, getting Christmas travel insurance should be at the top of your checklist.

It's no secret that Australians love to travel - in fact, according to Allianz Partners, more than 2 million of us plan to travel abroad in December alone.

"Travel insurance is an essential part of any overseas trip, and compared to the cost of departure, it is often a minuscule investment," said Amy McGuinness, Senior Underwriting Officer, Allianz Partners.

"Regardless of your budget or penchant for planning, you're sure to be prepared for the unexpected, and we definitely encourage people to take an assessment and make sure they have a cancellation, baggage, and medical coverage policy for the intended trip." .

There are a lot of things to consider in a travel insurance policy such as the type of vacation covered, the valuables that can be covered, and also pre-existing medical conditions that should be reported to your insurance company before signing on. dash line.

While having asthma, diabetes, or even being in the early stages of pregnancy is not a reason to cancel your Christmas travel plans, it's important to read the document's detailed Product Disclosure Statement (PDS) brochures before getting a insurance, so find out what it covers and what it doesn't.

As part of the application process, some insurance providers conduct an online medical examination which is a way to discover your medical condition and history. In some cases, you will not be required to have a medical certificate, but this is not always the case. Make sure you know all the application requirements before starting the process, it can save you time and a trip to the doctor's office!

What are some common pre-existing conditions covered by travel insurance?

While you cannot cover all travel insurance policies because they are generally not the same between insurance companies, there are some pre-existing medical conditions that are more likely to be covered in your insurance policy than others.

These include conditions such as:

  • Sports injury
  • Cardiovascular disease
  • Asthma
  • Cancer
  • High fat
  • Diabetic
  • Hypertension
  • The pregnancy

Depending on your medical condition, you may have a certain period of time during which the condition cannot get worse, which you will need to show. This could be a period of 30 days or even a year, it all depends on the situation you have and the insurance company you are dealing with.

"As a general rule, it is wise to disclose any medical conditions you have to your travel insurance company, even if you think it is not important," said Mozo Director Kirsty Lamont.

“After all the good food, wine, and celebration you enjoyed over the Christmas holidays abroad, you don't want to get stuck in the New Year dealing with a claim rejected because you didn't do your homework. Be sure to check and re-check all pre-existing requirements on your policy prior to your travel departure. "

Do you need an extra cover?

There are many things that travel insurance generally covers, such as emergency medical treatment, property theft, or travel delays and cancellations, but some are not.

For extreme ice, cruisers, and daring adventurers, basic and even full coverage is sometimes not enough. Some insurance companies offer the option of obtaining additional coverage for activities such as skiing, cruising, and extreme sports at a higher cost, while others may not have the option. Get a shop so you can find the policy that suits you and your specific vacation needs.

Also remember that sometimes there may be a limit to the amount you can claim on certain things like laptops, tablets, or smartphones, so if you intend to move your devices abroad, be sure to read your policy in its entirety or purchase an additional amount of coverage. Necessary.

The most important tips to avoid a medical disaster on your vacation are in your travel insurance

Life is unpredictable and you never know what might happen while traveling abroad. However, there are some travel tricks to reduce the likelihood of a medical accident abroad and reduce the chance of having to file a claim.

  • Take all your medications with you: Medications are not the same all over the world and they are not always easily accessible, so taking your supplies and a little more of your usual medications from home is the safest option.
  • Check if you need vaccinations: It is important that you know everything you need when it comes to getting vaccinated before you go on vacation. Not only may it be necessary to avoid getting seriously ill, but if you end up getting sick because you haven't been vaccinated, this could reduce or even revoke coverage.
  • Know your emergency medical contacts: Knowing the emergency numbers for the country you are vacationing in is important in case you are in an emergency situation. Keep the number on your phone so you can get it when you need it, and also save your insurance provider's number, as they often have a 24/7 helpline if you need it.