Home
Australian Travel Insurance
Australian travel insurance for domestic and international destinations is pretty comprehensive.
However, a lot of travelers choose not to take up the cover.
The expensive airline tickets, additional airport taxes and overpriced hotel accommodation all force travelers to cut costs.
Unfortunately, the travel insurance is one of those options we safe on.
So, why Australian travel insurance is important for domestic and international holidays.
Well, in essence it will financially protect you and your family from unexpected expenses.
In other words it is an emergency cover. And there are plenty options to choose from.
Top Cover From Australian Travel Insurance
You are probably wondering what are the top options for the travel insurance Australia and international countries may demand. Well, the main benefit is in the coverage of various emergencies. Aussietravelcover is a good example of an insurer with options which other companies provide in Australia. For international destinations you have:
- Cancellation fees and lost deposits (unlimited)
- Travel service to continue after insolvency (up to $20K)
- Overseas medical assistance (including up to $1000 per person for a dentist)
- Accidental death (up to $50K for the family) Australian travel insurance
- Permanent disability (up to $50K for the family) Australian travel insurance
- Loss of Income (up to $20K for the family) Australian travel insurance
In addition, there are other emergencies covered in the plan:
- Loss of documents, credit cards and checks (up to $5K for the family)
- Lost luggage and personal effects (up to $16K for the family)
- Travel delay expenses (up to $2K for the family)
- Personal liability - very important!!! (up to $5 million for the family)
- Alternative transport costs $3-$6K
It is important to note that majority of hospital and rescue costs are covered.
Also, the majority of legal costs are fully secured.
So how much would this Australian travel insurance cost?
This depends on the destination, number of people and the age of each traveler.
Generally, a family of four (2 adults and 2 children) will pay $550 to travel to Europe.
The same family will pay $470 for the same cover when travelling to Asia.
A cost of $680 is charged for the same setup when Africa is the holiday destination.
Surprisingly, Middle East is viewed by the insurer the same way as Europe and $550 will be expected for the same cover.
Domestic Cover From Australian Travel Insurance
Again, let's review Aussietravelcover domestic cover. It is more or less a good representation for Australian travel insurances offered by other companies. Therefore, for domestic destinations you can expect:
- Cancellation fees and lost deposits
- Travel service to continue after insolvency
- Overseas medical assistance (including up to $1000 per person for a dentist)
- Accidental death (up to $10K for the family)
- Lost luggage and personal effects (up to $4K for the family)
- Travel delay expenses (up to $1.5K for the family)
In addition, the other emergencies covered in the plan include:
- Personal liability (up to $1 million for the family)
- Alternative transport costs $3K
Budget Covers From Australian Travel Insurance
For those who do not intend to loose their passports, credit cards and the luggage in the new destination, the budget cover will do just fine.
If you only worry about medical emergencies and the legal expenses than you can save over $200 in insurance.
Budget plan usually covers: medical and dental emergencies, legal costs and the rescue arrangements.
For a family of four (2 adults and two children) the price of the insurance is about $300.
The price of Australian travel insurance will vary based on the type of the destination, time and the safety factor.
However, because the cover is limited to medical costs only, the discrepancies are not as big as in case of the top plans.