How comprehensive is comprehensive travel insurance?
A multitude of things can go wrong when you're travelling abroad including accidents, lost luggage, natural disasters, theft, and travel delays. Getting comprehensive travel insurance may help manage these risks.
There are certain situations in which comprehensive cover ought to be considered more of a necessity than a discretionary travel cost. This includes:
- travelling overseas for business purposes
- extended periods of international travel
- visiting high risk countries
Although there are a plethora of options for comprehensive travel insurance and policies differ, here are some broad categories which the travel insurance may cover:
- overseas medical care costs
- cancellation or amendment of the trip
- transport you need as a result of things like natural disasters, strikes or loss of travel documents
- replacement or repair of any personal effects or luggage
- cover for theft of money or travel documents
- 24 hour emergency assistance
Ask questions before you buy!
It's vital to read the fine print - you'll understand all the terms of a policy you come across much better by researching extensively. Read the Australia Post travel insurance glossary to learn about some key terms you'll come across in researching travel insurance plans.
Australia Post offers an international comprehensive travel insurance plan covering all the basics above and more, including car rental excess, personal liability, loss of income, cover for special events and more.
This advice is general in nature, and doesn't consider your personal situation. You should consider your own needs and the Product Disclosure Statement (PDS) before making a decision to buy the product.
Limits, conditions, exclusions and fees apply. Policies may not be available to all travellers. Australian Postal Corporation ABN 28 864 970 579 (AR No 338646) is the distributor of Australia Post Travel Insurance and is an Authorised Representative of Australia Post Services Pty Ltd ABN 67 002 599 340 (AFSL No. 457551). Insurance products are issued by Great Lakes Australia ARBN 127 740 532, ABN 18 964 580 576, AFSL No. 318603. Review your own needs and the relevant Product Disclosure Statement before deciding to buy this insurance. Download a copy of the combined FSG/PDS (548kb) here, or for our In-store international Travel Insurance policy download a copy of the $6 a day Travel Insurance Product Disclosure Statement (388kb) here or the $10 a day Travel Insurance Product Disclosure Statement (444kb) here, or contact us on 1300 728 015 or email firstname.lastname@example.org