"the Ultimate Guide To Travel Insurance In Australia"
"the Ultimate Guide To Travel Insurance In Australia" - Digital disruptions and changing travel trends have made it easier for you and me to make our own travel plans, but it's likely that we're missing some essential considerations! If you're taking a chance and skipping travel protection to save a few bucks, this article will share with you the importance of getting the right travel insurance and how you can find one that's right for you!
Travel insurance is a plan that travelers buy to protect against certain risks and losses that may occur during one's trip. In addition to protection, travel insurance gives you access to assistance services wherever you are in the world. Imagine being mugged in a foreign country where people speak different languages, you won't be stranded if you bought travel insurance that includes 24-hour emergency assistance.
"the Ultimate Guide To Travel Insurance In Australia"
There are different types and categories of travel insurance, depending on one's travel habits. Here is a quick explanation on the common types of travel insurance offered in Singapore:
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Single Trip Policy – A protection plan intended for traveler(s) on an overseas trip not exceeding 182 consecutive days.
Annual Multi-Trip Policy – A protection plan intended for a traveller(s) on an unlimited number of overseas trips over a period of 1 year, whereby each trip does not exceed 90 consecutive days.
Pre-existing medical cover – An enhanced plan that covers pre-existing medical conditions for travelers during their overseas trip, which are not covered under general travel insurance plans.
Family Plan – A protection plan intended for family members traveling together for the entire overseas trip. The definition of 'family' varies between different insurers, so please check before purchasing. Is it cheaper to get a family plan? Yes, such plans are generally ideal for savings and booking convenience.
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Did you know that Travel Insurance now supports 3-generation travel? Our family plan can accommodate up to 10 people (up to 6 adults, up to eight children)! The adults do not have to be related, but the child(ren) must be the legal child or grandchild of any of the insured adults. 🙂
Group Plan – A protection plan intended for a group of people traveling together for the entire overseas trip, which is not issued under a family plan. Is it cheaper to get a group plan? Yes, it works the same way as a family plan where travelers will enjoy savings and booking convenience for the group purchase.
#OurWord The best travel insurance is a travel protection plan that best suits your needs and preferences. Travel insurance offers a long list of add-ons, including:
Before you decide on the best travel insurance for you, here's an easy 3-step guide to help you make your choice:
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Are you a frequent traveler? Do you participate in high-risk activities (eg skydiving, bungee jumping) when overseas? Your destination and travel style can also provide an indication of the coverage required, which will help you narrow down your search for the right insurance.
For example, a female solo traveler backpacking in Asia may be more concerned about budget and protection for personal well-being and belongings, while an avid skier is likely to need extra coverage for his sports equipment. A frequent traveler can enjoy savings with an annual travel insurance plan, and those traveling as a family or group can enjoy discounts and convenience when they get their travel insurance together.
Then ask yourself this question: "Why do you buy travel insurance?" Dig deep and identify the aspects you would like to protect. Is it for personal well-being, or is it to protect against inconvenience and potential loss of wealth? As the saying goes, "one man's trash is another man's treasure". Benefits that appeal to others may not be the highest priority for you.
A leisure traveler may choose a basic protection plan just for peace of mind, while those with larger family obligations may require further considerations. For example, parents with young children may want greater insurance with childcare cover in case of unforeseen events, and may want to ensure that their family has adequate overseas medical cover.
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#OurWord Understanding your purpose and priorities in getting a travel insurance will set you in the direction of getting the right travel insurance.
For the truly blessed who have never experienced travel inconvenience, the extensive travel benefits table can seem overwhelming and cause you to choose travel insurance based on ease of booking or price. Well, to help you better identify potential components you want to protect, here are some common traveler concerns you might want to consider:
Emergency advice/assistance Who do you call or where can you get help when you encounter unexpected problems while overseas? A reliable provider that offers 24-hour emergency assistance can make a difference when it comes to matters of life and death.
Medical cover Medical expenses are one of the most common and expensive costs incurred overseas, especially when they involve hospitalization and repatriation. However, it is important to note that travelers with pre-existing medical conditions are required to obtain extra coverage, which few insurers offer.
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In 2017, a Singaporean family in Tokyo was left with mounting medical bills after the insurance company informed them that their insurance claims were unlikely to be successful as the cause of the accident was due to a pre-existing heart condition.
Travel delay Time equates to money, and unfortunately travel delay is a common occurrence, especially when it comes to budget carriers and long-haul travel. A delay can cause you to incur a no-show penalty for a connecting flight or even one night's accommodation. A travel insurance will come in handy at this time!
Delayed bags In the case of lost or delayed bags (which are not uncommon on long-haul flights), you can get compensation for costs incurred on essentials.
Equipment cover Do you travel with expensive sports equipment? From golf clubs, scuba gear to fishing equipment, adequate coverage for your precious tools can help you mitigate costs in unexpected events. Travel insurance offers optional additional coverage for sports equipment! Find out more here.
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Trip cancellation Life is full of unexpected events, and if you are unable to make the trip due to a valid condition, you will be covered for unrecoverable travel and accommodation costs that have been paid in advance.
Ease of claims When buying travel insurance, most will cross their fingers that they won't have to make any claims, but let's be practical. If something does happen (touch wood!) and you need to make a claim, the process is important! Is the claim process quick, easy and efficient? Find out through travel insurance reviews from forums, like-minded travelers, travel blogs, etc.
If you are a free and independent traveller, the onus is on you to ensure you are adequately covered. Before you can make a choice, you need to know what your choices are. Note that the cheapest travel insurance plan may not always be the best for you. Seek advice from travel agents or people around you who have bought travel insurance before. Their experiences can complement online checks at aggregators' sites, apps, forums, blogs, and even directly at insurers' websites.
Try to match your priorities to each benefit table to narrow down your choices. Once you've made your choice, be sure to read the policy wording and check for ongoing promotions before making your purchase. Voilà !
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Ea Insurance has been designated as the NATAS Official Travel Insurance Partner by the National Association of Travel Agents Singapore (NATAS) since 2020.
Information is accurate as at 20 July 2023. This policy is underwritten by Ea Insurance Pte. Ltd. (Company Reg. No. 201331905K). Protected to specified limits by SDIC.
A digital insurance channel that embraces change to provide simple and convenient protection, its mission is to make insurance transparent and accessible, inspiring you today to be prepared for life's surprises and inevitabilities, while empowering you to "Unlimited Life" and take control of your tomorrow.
With a shared vision to change the paradigm of insurance and reshape customer experience, Ea has the strong foundation for . Because life never stops changing, Ea never stops progressing. A licensed life and general insurance company registered in the Republic of Singapore and regulated by the Monetary Authority of Singapore, Ea is governed by the Insurance Act and has been providing insurance solutions since 1961. It is 69% owned by Maybank, Southeast Asia's fourth largest banking group , with more than 22 million customers in 20 countries; and 31% owned by Ageas, an international insurance group with 33 million customers in 16 countries.
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I agree and consent to Ea Insurance collecting, using and disclosing the above personal data for the purposes of validation and sending, via phone calls and SMS. Read Ea's Privacy Policy [here] This article is written for the typical Singaporean traveler who is considering getting a basic form of overseas travel cover. In this article, we compare and review the most important basic travel plans in the market.
Read to the end as we share about this unbiased community reviews site we recently launched and stand a chance to win a $100 Scoot voucher if you leave a travel insurance review by 27 March 2018.
For the sake of completeness,
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