Travel Insurance Saver

Do I need Travel Insurance?

It’s not really a question of whether or not you need travel insurance, but more what kind of travel insurance you need. If you’re going to be travelling anywhere overseas, some form of travel insurance is a necessity. Even domestic trips warrant travel insurance nowadays, something as simple as a cancellation policy can save you thousands of dollars.
Travelling overseas without some form of travel insurance is like driving without a seatbelt, or more aptly, skydiving without a parachute. In our home country, we’re usually covered for medical costs by our government provided Medicare, when we’re overseas we don’t have this simple luxury. 
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Not only is it smart to take out a travel insurance policy before you head overseas, but it’s also responsible. Most popular foreign destinations have expensive hospital bills, even a simple injury or illness can wind up costing a small fortune.
If you get seriously injured and end up in a hospital for a prolonged stay, the hospital costs could range in the tens of thousands. It would be irresponsible to travel uninsured, should something go wrong, and you can’t afford to pay, you’ll be putting the onus on other people.


Countries like the United States of America are renowned for having difficult and expensive hospital systems. One of the main reasons people take out travel insurance is so that they are covered for medical bills while they are overseas. The majority of Travel Insurance Saver policies will cover you for up to unlimited in medical and dental, this includes trips to a general practitioner while overseas or to the hospital.

You will also be covered for emergency travel arrangements and accommodation, and for medical evacuation and repatriation. Having a travel insurance policy behind you can offer you more of a safety net most government-provided care options, like Medicare. In fact, if you are going to be travelling for an extended period of time, say a year or two years, it is recommended you take out some form of comprehensive insurance to back you for those years.

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The majority of people take out a travel insurance policy to get medical cover, but the truth is, the medical cover is just one of the benefits travel insurance can offer you. Even the most moderate policies will cover a wide range of events. If you do not think you will need medical coverage at all for your trip, you can still expect to be covered in the event of a cancellation or a delay of flight, or in the event that you are unable to attend an event you purchased tickets for, you can expect to claim for the reimbursement of money spent on said tickets.

This can be extremely beneficial if on your trip you have purchased a lot of things in advance, like tickets, accommodation, cruises etc.

Once you have decided that yes, you do need travel insurance, your trip can be catered to with a number of policies. If you are not wanting to go all out, or you are only going somewhere for a very short time, you can start with something simple. The Bare Essentials policy is the most elementary insurance package we provide. It offers comprehensive medical insurance and comes with a range of other benefits which can be viewed in the PDS or on the website. Travelling domestically and don't want to break the bank? 

The Australian Cancellation and Additional Expenses policy covers you if you have to cancel your trip for any of the reasons listed in the PDS in Section A. This can be good for families travelling interstate who have booked a lot of things in advance like tickets, accommodation, flights, cruises etc.

There are more comprehensive policies available for domestic Australian travel, like the Australian Travel Plan, which offers cancellation coverage and coverage for other things like personal effects and cruise cover. There is even coverage available for friends and family travelling inbound to visit Australia, see the Inbound Travel Plan policy for more details.

All policies range in price and coverage to best suit your travel expenditure needs. We want all travellers to bring back happy, memorable experiences after their holiday. What we don’t want is for travellers to be stuck with no means of medical cover and/or evacuation options, even losing out on unused pre-paid travel arrangements. 

Insurer your next holiday so you can enjoy yourself to the max and let us take care of the rest. If you’re still not sure whether or not you need travel insurance, you should give us a call. Our friendly staff will be happy to talk to you about your trip, and what kind of policy might be best for you.

Cover is subject to the policy terms, conditions and limits set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy.   

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