International Travel Insurance

• Medical Emergencies: Unexpected illnesses or injuries abroad can lead to significant medical bills. Travel insurance can cover medical expenses, hospitalisation, and emergency medical evacuation. This includes coverage for doctor's visits, surgery, or emergency medical evacuation.
  
  
• Trip Cancellations and Interruptions: If unforeseen events like flight cancellations or natural disasters disrupt your travel plans, trip cancellation/interruption coverage can reimburse you for non-refundable expenses like flights, accommodations, and tours.
  
  
• Lost or Stolen Luggage and Personal Belongings: Travel insurance can help cover the cost of replacing essential items if your luggage is lost, stolen, or damaged during your trip.
  
  
• Rental Vehicle Excess: If you plan to rent a car, this coverage can help cover excess costs in case of accidental damage to the rental vehicle.

Types of International Travel Insurance Coverage

• Medical Only: This is the most basic and budget-friendly option, providing essential medical coverage, including emergency medical expenses, hospitalisation, and evacuation. It's suitable for travellers who prioritise medical protection and are comfortable with a basic level of cover.
  
  
• Essentials: This mid-range option includes all the benefits of Medical Only plus additional coverage for lost luggage, personal liability, and some trip cancellation coverage. It offers a balanced level of protection for budget-conscious travellers.
  
  
• Comprehensive: This is the most extensive option, including all the benefits of Essentials plus additional coverage for events like rental car excess, travel delays, and a wider range of unforeseen circumstances. It's ideal for travellers seeking maximum protection and peace of mind.

Enhance your international travel insurance.

• Snow Sports Cover: Essential for skiing, snowboarding, and other winter sports activities. You can tailor this cover to the specific duration of your snow sports activities, and off-piste cover is also available as an add-on during the checkout process. 
• Cruise Cover: Ensures adequate coverage for medical emergencies, trip interruptions, and other cruise-specific situations.

• Am I covered for trip cancellation on my international trip? Yes, trip cancellation is covered if your trip is cancelled due to unforeseen circumstances like a serious illness or injury, natural disaster, or other covered events listed in the policy.
• Does the policy cover overseas medical expenses? Yes, the policy provides coverage for necessary and reasonable medical expenses incurred during your international trip, including emergency medical treatment, hospitalisation, and repatriation if needed.
• Is there coverage for lost or stolen baggage and personal belongings? Yes, the policy includes coverage for lost, stolen, or damaged baggage and personal effects up to the specified limits.
• Can I extend my international travel insurance policy while I'm already overseas? Yes, you can usually extend your policy while overseas, provided you haven't made a claim and there are no changes to your health condition. Contact Travel Insurance Saver for details.
• Are there any activities or destinations not covered by the policy? Yes, certain high-risk activities, destinations with "Do Not Travel" advisories, and pre-existing medical conditions may be excluded. Keep updated with Smart Traveller, and make sure you’ve read and fully understood the terms and conditions of the PDS.
• How do I make a claim on my international travel insurance policy? Contact the claims department as soon as possible after the covered event occurs. You'll need to provide relevant documentation, such as medical reports, receipts, and travel itineraries.