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Travel Insurance for Overseas Medical Expenses
Travel Insurance for Overseas Medical Expenses: Your Safety Net Abroad
Unexpected illness or injury can strike anywhere, especially when you're far from home. That's why comprehensive travel insurance with a focus on overseas medical expenses is crucial for any trip.
Travel Insurance Saver offers a range of options to protect you from the financial burden of medical emergencies abroad, ensuring you get the care you need without worrying about exorbitant costs.
Travel Insurance Saver offers a range of options to protect you from the financial burden of medical emergencies abroad, ensuring you get the care you need without worrying about exorbitant costs.
Understanding Your Options
Single Trip vs. Multi-Trip:
- Single Trip: Ideal for one-off trips or extended stays abroad, this option may provide coverage for a single journey. Benefits include overseas medical expenses, trip cancellation, and baggage cover.
- Multi-Trip: Perfect for frequent travellers, this policy covers multiple trips within a 12-month period. Enjoy continuous protection for medical emergencies, lost luggage, and more, without needing to purchase new insurance for each trip.
Comprehensive vs. Medical Only:
- Comprehensive: This offers extensive protection, covering a wide range of events, including medical emergencies, trip cancellations, baggage issues, and personal liability. It's the most comprehensive option.
- Medical Only: If your primary concern is medical coverage, this plan focuses on essential health-related benefits, including unlimited emergency medical expenses, evacuation, and if required repatriation to Australia or your final destination.
Already Travelling?
Don't worry if you've already started your trip! Travel Insurance Saver offers "Already Overseas Travel Insurance" with comprehensive or medical-only options, ensuring you can get covered even after departure.
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What's Covered?
Emergency Medical Expenses: Unlimited cover for necessary and reasonable medical costs incurred overseas, including hospitalisation, surgery, and repatriation.
- 24/7 Emergency Assistance: Access to the global assistance team for immediate support with medical emergencies, travel arrangements, and more.
- Evacuation and Repatriation: Coverage for medically necessary evacuation to the nearest suitable medical facility and repatriation back to Australia if required.
- Existing Conditions: Cover for some pre-existing medical conditions may be available after a medical screening process. Refer to the PDS for details.
What's Not Covered?
- Undeclared Existing Conditions: It's crucial to declare all pre-existing medical conditions when purchasing your policy. Failure to do so may result in claims being denied.
- High-Risk Activities: Certain adventurous activities may be excluded or require additional cover. Check the PDS for a list of covered and excluded activities.
- Alcohol or Drug-Related Incidents: Medical expenses resulting from being under the influence of alcohol or drugs are generally not covered.
Optional Extras:
- Snow Sports Cover: Enjoy your time on the slopes with cover for medical expenses, equipment damage, and trip cancellations related to snow sports activities.
Cruise Travel Insurance.
- Cruise Cover: Get cover for medical emergencies onboard, cabin confinement, missed port excursions, and more.
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Getting a Travel Insurance Quote:
To get a personalised travel insurance quote, you'll need to provide:
- Age: Premiums are calculated based on age, as older travellers may have higher medical risks.
- Destination: Your destination influences the level of risk and therefore the cost of your insurance.
- Trip Duration: Longer trips generally require higher premiums.
- Choose any optional extras that apply to your trip, such as snow sports after you get a quote. Click 'Continue' button to apply.
FAQs about Overseas Medical Expenses:
- What if I need to see a doctor overseas? Contact the emergency assistance team , and they will guide you to a suitable medical facility and assist with claim procedures.
- Are ambulance costs covered? Yes, medically necessary ambulance transportation is typically covered under overseas medical expenses.
- What if I need to be flown back to Australia for treatment? Your policy may include cover for medical repatriation to Australia if deemed medically necessary.
Travel with Confidence
With Travel Insurance Saver, you can explore the world with confidence, knowing you have a safety net in place for unexpected medical expenses. Choose the policy that suits your needs.
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). Make sure you’ve read and understood the (PDS) prior to choosing a travel insurance policy.
Contact Travel Insurance Saver
If you have any question's please fill in the form below and one of our friendly team members will get in touch soon.
