Travel insurance is essential

Organize comprehensive travel insurance before you go should be an essential part of the preparation for your holiday and can save you the sake of unforeseen medical expenses. Regardless of how healthy and fit you - if you can not afford travel insurance, you can not afford to travel.

When you organize your insurance, without disclosing any pre-existing medical conditions in writing. If the insurance company refuses to cover your pre-existing medical condition, be sure to take out insurance to cover health and other travel-related issues, which are not related to your pre-existing condition. In cases where full coverage is not provided for passengers should consider the possibility of financial risks very carefully before deciding whether to proceed with the planned trip overseas.

It is a good idea to take a walk when choosing an insurance policy and ensure the coverage is adequate for your needs and cover all the time, you will be away. You should check the fine print of your insurance contract very carefully to see if the exclusions may apply, and that your policy includes coverage of emergency care, hospitalization and repatriation to Australia where need.

Cruise are strongly encouraged to take out travel insurance, appropriate to their circumstances.

If you plan to participate in the adventure tourism or sports like diving or parasailing, be upfront about your plans with your insurance provider and make sure your policy covers these activities.

If you plan to rely on the travel insurance offered by your credit card, you must, before traveling to obtain written confirmation of what exactly insurance, the length of time you will be covered and what are the conditions attached. Do not just assume your application has been accepted and that treaties or simply having a credit card you are entitled to immediate coverage once you leave the country. You do not want to know if you are in trouble that your travel insurance does not cover everything you thought it was, or that your insurance was not activated. If you are not sure whether you are covered for any of the above, you should check with your insurer.

Do not base your decision to take out insurance on the assumption that "it will not happen to me." Accidents do happen. Medical standards vary from country to country. Hospitalization, medical evacuations, or the return of a deceased person remains in Australia, can be very expensive. Be aware when arranging your assurance that the uninsured passengers (or their families) are personally liable medical and covers all the costs they incur. Overseas medical expenses not covered by Medicare. Some families were in bankruptcy, forced to sell assets such as houses, the outflow of pension fund or bring loved ones back in Australia for treatment.

If you extend your stay overseas, be sure to contact your insurer at the time to extend your coverage.

Some examples of why you need travel insurance:

* Daily hospitalisation costs in Southeast Asia regularly exceed $ 800
* One night in Noumea at the main hospital cost a minimum of $ 1500 - 4000
* The ministry has handled medical evacuations near Bali, in which costs exceeded $ 60000
* The return of a deceased person rest of Europe can cost in excess of $ 10000
* The cost of medical evacuations from the United States regularly range from $ 75000 to $ 95000 and sometimes up to $ 300000.