Compare Travel Insurance
You may find while you are looking online for a travel insurance policy that there is a lot of variety – there is!
The internet has a range of websites that allow you to compare and save on travel insurance policies online. With different travel insurance providers, the different travel insurance policies available, there is a lot of information to process before you decide on a travel plan suitable for your trip. You may want to consider the following things when deciding on a travel insurance policy:
What is an excess?
An excess, or a deductible, is an amount the policy holder must pay if they proceed with making an insurance claim on their insurance policy.
Not every travel insurance policy has the same excess, different excesses may apply for different events. Some excess limits are adjustable on certain policies.
When you reduce your excess, you’ll notice that your premium has gone up – that’s because with a reduced excess you will pay less in the event of a claim.
Compare 24/7 Call centre
Before buying a travel insurance policy online, you may want to consider the travel plan that you are looking to select, and that the provider has made available contact details both for Customer Service (general enquiries), and in the case of an emergency, a 24/7 contact service number is available internationally and domestically.
It’s important to be aware of the claimable events outlined in the Product Disclosure Statement (PDS) of the travel insurance policy you are looking to select. Equally important is to be aware of the events that aren’t covered.
‘General Exclusions’ outline situations, events and factors that aren’t covered under the travel insurance policy^.
Compare Emergency assistance - travel insurance compared online
In the event of an emergency, you may need to speak to a 24/7 Emergency Assistance team. Please consider printing any important documents and have them with you while you travel such as contact details. You should also consider keeping a copy of your Certificate of Insurance when travelling overseas.
Compare sports cover cover online
Snow sports cover cover isn’t automatically included as standard under the travel insurance policy and will need to be added on to applicable plans as an optional extra if you are going to be snow skiing and snowboarding on and off-Piste, backcountry skiing and snowboarding, or snowmobiling^.
Compare cancellation benefits
You may want to compare online the different cancellation benefits available under a range of travel insurance policies, and the different events that are and are not covered. When you are looking online for a travel insurance policy, it’s important to read the Product Disclosure Statement, which outlines the applicable benefits, limitations, events that are covered, events that aren’t covered, general exclusions, and more^.
^Cover is subject to the policy terms, conditions, limitations, and exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Read the (PDS) prior to choosing a travel insurance policy.