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What Types Of Travel Insurance Are There

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While policies can differ a lot in terms of cover, they will generally fall into one of the following categories:

  • Single trip covers you for a one-off trip for a set period of time.
  • Annual/multi-trip covers you for as many trips as you take within a whole year. Typically more cost-effective than the single trip option if youre taking more than two holidays within that period.
  • Backpacker/gap year provides cover for multiple destinations over an extended period. You might need to add cover for the kinds of activities you plan on doing, such as adventure sports, work or volunteering.
  • Winter sports specialist cover if youre going skiing, snowboarding or other winter sports. These are considered by insurers to be high-risk activities and so are excluded from most standard policies.
  • Worldwide there are usually two types of worldwide policy those that cover the US and those that dont.
  • European not always clear cut, as some policies cover areas that arent technically in Europe.
  • Family covers two adults plus up to four children travelling together. Suitable if your children are 18 or younger and live full-time with you.

You Didn’t See A Doctor Before Canceling Your Trip Because Of Illness

Anna has packed her suitcases to fly to Costa Rica for a week-long vacation. The day before she’s set to leave, she comes down with a bad case of the flu. Feeling wretched, Anna decides to stay home. She submits a trip cancellation insurance claim, but it’s denied.

If you or your traveling companion suffers an illness, injury or medical condition that’s disabling enough to make a reasonable person cancel a trip, Allianz Global Assistance considers that a covered reason for trip cancellation. However, a doctor must examine you or your traveling companion and advise that person to cancel the trip before the decision to cancel is made. If that isnt possible, a doctor must examine you within 72 hours of your trip cancellation.

Going Overseas For Euthanasia

Euthanasia is illegal in many countries. If you’re planning to go overseas to end your life through euthanasia, consider legal aspects of your plans. It can impact you and your next of kin.

In some countries, euthanasia is legal only in certain places and circumstances.

Ensure you comply with the local law. If you break the law, your family and friends could be found complicit in a crime. They could be arrested or jailed for your death.

Research the law in your destination before you go. You may need to consult your destination’s embassy or consulate in Australia.

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Discover How Our Benefits Help Safeguard You And Your Travels

When it comes to protecting your trip, travel insurance needs to cover you in more ways than one. Why? On the same trip you could lose your bag, sprain your ankle, or miss a flight and thats just in the first 24 hours.

Thats why our Cover-More travel insurance plans are packed with useful benefits to help you travel with peace of mind and help support you when the unexpected occurs.

From cover for unforeseen overseas medical emergencies and repatriation costs to certain COVID-19 scenarios and lost luggage, our plans can protect you from a variety of out-of-pocket expenses.

But the benefits of travel insurance dont end there.

Below, youll find our most popular travel insurance benefits and more, so you can learn how to get the most out of your Cover-More travel insurance policy.

Can I Resume My Trip And Be Covered For It

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Most trip cancellation policies will allow you to resume your journey at a later date after being forced to return home due to the illness or death of a relative. There are normally specific conditions surrounding this type of cover, including:

  • Your trip must have been for a minimum number of days
  • Your insurance must have had a minimum period left to run
  • You must have had no knowledge that such an incident might occur prior to your departure
  • Your resumption expenses must be pre-approved by your insurer
  • You must resume your journey before your policy expires.

John and Sue’s trip re-arrangement

John and Sue were into the second week of their month-long European holiday when their son called and told them that his nine-year-old daughter, Emily , was unwell and had been admitted to hospital. She had been diagnosed with a rare blood disease and would be undergoing life-saving treatment in the next few days.

This was completely unexpected news for John and Sue and they immediately rang their airline and insurance company and arranged to cancel their trip and return home to be with their granddaughter.

Emily remained in hospital for several weeks, but soon began to make a full recovery. A relieved John and Sue were then able to resume their interrupted European holiday, thanks to their resumption of journey cover reimbursing them for the costs associated with rebooking their flights and accommodation.

Costs incurred

Total costs covered by insurance

  • $3,700
  • $150 in excess

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More Information On Travel Insurance

Where can I get a travel insurance card?

We deliver a travel insurance card for continuous traveller’s insurance to your home address by post. If your card is lost or broken, you can order a new one from on your traveller’s insurance page. We will send you a new travel insurance card by post within two weeks.

OP-mobile is handy also when travelling: your travel insurance card will readily available electronically in OP-mobile.

For fixed-term traveller’s insurance, the insurance policy qualifies as proof of valid traveller’s insurance.

How can I get a certificate of travel insurance for a visa?

If you a travelling to a country for which a visa is required, the certificate of travel insurance does not have to include the insurance companys stamp or signature, so you can print out the certificate right away from the Internet Service at: Insurance Traveller’s insurance Order certificate of travel insurance for a visa. Alternatively, you can order it to be delivered by post to your home address free of charge.

How An Insurance Company Calculates Premiums

Premiums are the amount you pay to buy insurance.

When determining how much you’ll pay for premiums, insurance companies may consider factors such as:

  • your age
  • how much you use your car
  • your driving record
  • the type of coverage you choose
  • the amount of your deductible

A deductible is the amount of your claim you agree to pay before your insurance company pays the rest.

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Where Can You Buy Travel Insurance

Comparison sites: a good place to shop around and see the best deals. But try to use at least two different sites, as they dont always use the same criteria or cover the same providers. And remember, cheapest is not necessarily best. Theres no point in getting the cheapest policy if it doesnt pay out when you need it. Find out more in our guide about How to buy insurance using comparison sites.

Insurance brokers: they can help you get the most suitable travel insurance for your circumstances, particularly if you could be considered higher risk . See our guide on when to use an insurance broker.

Find a broker on the British Insurance Brokers Association website

Buy direct: travel insurance policies are available from a range of providers, including insurers, banks, supermarkets and travel companies. But insurance bought as an add-on to your trip is typically more expensive, so make sure you search the market before you buy.

Remember to check if you already have travel insurance in place. For example, it might be part of a packaged bank account you hold.

Making A Claim When You Get Home

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If you need to make a claim on your travel insurance policy when you get home, check the following things before you send off your claim:

  • you’re within the time limits for making a claim
  • you’re covered for what you’re claiming for
  • how much the excess is. The excess is the amount of money that your insurer will take off the claim. It may not be worth making a claim if the amount you’re claiming for is less than this
  • the small print. Make sure there’s nothing in the terms and conditions that prevents you from claiming
  • whether it’s a new for old policy. If it isn’t, the amount you get for items you’re claiming for will be less than the cost of replacing them. This is because the insurer takes off money for wear and tear.

Contact your insurer as soon as possible and ask them to send you a claim form. They may be able to email this to you to speed things up. Complete the claim form carefully and keep a copy for yourself.

You’ll need to include copies of all paperwork that will help your claim, including receipts or medical certificates. You should also keep copies of the originals in case your claim is queried or refused.

Your insurer may ask if you have other insurance that may cover the claim. You’ll need to let them know if you have other insurance that may also offer cover, for example, home contents insurance.

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What Is Travel Insurance And What Does It Cover

Whether its a vacation of a lifetime or a cross-country trip for a cousins wedding, you may be wondering when or if its worthwhile to buy travel insurance. Probably the best answer is that it depends on what you can afford to lose. By understanding what travel insurance is and what it covers, youll be able to make the best decision on whether to buy it.

What Does Travel Insurance Cover If Your Companion Is A Family Member

Our most popular plans, the OneTrip Prime Plan and the OneTrip Premier Plan, cover children 17 and under for free when theyre traveling with a parent or grandparent. And some travel plans offer trip cancellation and trip interruption benefits in situations when family members suffer a covered illness or covered injury, or when an immediate family member gives birth to a child. Read more about how travel insurance covers family members.

In general, the golden rule is that every person on a trip should purchase their own travel insurance. Allianz Global Assistance offers a range of travel insurance plans for every destination and budget. Compare plans and get a quote for your next trip!

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What Doesnt A Travel Insurance Plan Cover

Based on the plan you choose and your ability to meet all eligibility requirements, there may be a few travel insurance coverages that are not included in your plan. For example, cancel for any reason coverage can be added to, but is not automatically included in some comprehensive plans, and vacation rental damage coverage is only included on a vacation rental plan. Make sure to carefully review what is included in the plan you choose.

When Are You Not Covered For Family Emergencies

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Like any type of insurance terms and conditions apply to your cover.Where your relative resides matters: Relatives who live outside Australia or New Zealand are typically not covered by your policy. Most insurers state that they will only pay claims concerning Relatives who reside in Australia or New Zealand. If you have a family member that lives in a different country to you, chances are you wouldnt be covered for cancelling your trip. Pre-existing illnesses can cause difficulties: If you were already aware of a Relatives illness when you booked your travel insurance, its doubtful that youd be covered should they take a turn for the worse. However, some companies like 1Cover, Simply Travel Insurance and Zoom Travel Insurance would cover if you were not aware of the condition, or likelihood of such hospitalisation or death.How the family member dies matters: If the death was due to the relative committing suicide, or related to alcohol or drug consumption you may find that isn’t covered. Any claims to do with alcohol, drugs or mental illness are typically excluded in Australian travel insurance policies.

Age limits apply:

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Youre Our First Priorityevery Time

We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.

A Few Frequently Asked Questions About Travel Insurance

  • Why do I need Travel Insurance?

    You should be aware that your provincial coverage may not pay for all health care costs you may incur while outside of the province, and the difference can be substantial. For example, B.C. pays $75 a day for emergency in-patient hospital care, while the average cost in the U.S. often exceeds $1000 a day, and can be as high as $10,000 a day in intensive care. For this reason, you are strongly advised to purchase additional health insurance from a private insurer before you leave the province, whether you are going to another part of Canada or outside the country. You are advised to purchase additional coverage even if you plan to be away for only a day.

  • How do I get free travel coverage for my kids?

    When you purchase Travel Medical insurance for one or two parents, each child 18 years of age or younger who is subsequently added to your travel policy will receive free emergency medical coverage for up to $10,000,000.

  • Why should I purchase Multiple Trip plan instead of Single Trip Plan?

    If you take more than 2 trips per year, it may be less expensive to buy 1 Multiple Trip plan instead of 2 or more Single Trip plans. For example, if you are in the 0 – 34 age group, you take two 15 day trips in one year and if you purchase two Single Trip plans, it would cost you $86 for both plans. Alternatively, if you purchase one 15-day Multiple Trip plan, the cost would be $52. Plus you will be covered for any more trips taken within the year.

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    Not Naming A Beneficiary

    The death benefit payout gets complicated if you don’t have designated beneficiariesor if you do and they predecease you. In these situations, the death benefit goes to your estate and not necessarily to your loved ones.

    It’s essential to designate primary and contingent beneficiaries to receive the insurance death benefit in the event of your untimely death. Otherwise, the benefits are subject to probate, and they ultimately may not end up where you intended.

    A Travel Companion Gets Sick Or Injured What Does Travel Insurance Cover

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    When you and your best friend take a trip to Patagonia, you go birdwatching while he takes an ATV tour. On your return to the lodge, a staff member comes running with some bad news: your friend crashed his four-wheeler. He may have fractured his femur, and it looks like he has a concussion as well. Can your travel insurance help?

    If you purchased travel insurance that includes emergency medical and dental benefits, those benefits are only for you, the insured. So your travel insurance plan will not reimburse your friend for emergency medical expenses overseas, or help arrange payment to doctors and hospitals. The same goes for your emergency medical transportation benefits. Because those benefits are for you, the insured, they will not cover the cost of transporting your friend to a hospital or other appropriate medical facility.

    However, there are a few ways your travel insurance plan may be able to help. One, because youre an Allianz Global Assistance customer, you can call the 24-hour travel assistance hotline for guidance. Our multilingual travel experts can direct you to the nearest qualified medical facility serve as interpreters if you need help communicating with local doctors and help you obtain emergency cash or get a message home.

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