Smart Tip #1
Read your travel insurance policy carefully. If you are dissatisfied with the policy in any way you are entitled to a full refund within 21 days of purchase provided you have not made a claim on the policy or departed on your journey.
Smart Tip #2
Apart from finding out about the Policy Inclusions make sure you are also aware of its Exclusions.
Smart Tip #3
Overseas Medical Expenses could send you broke if you travel overseas without travel insurance. Therefore above all else make sure you have adequate overseas medical cover on your policy, preferably “Unlimited Overseas Medical Cover” just in case.
Smart Tip #4
Check whether the insurer considers that you have an Existing Medical Condition and whether they are able to cover it. Always seek cover for Existing Medical Conditions by submitting an Assessment Form so that you are not left exposed to potential medical expenses. Even if there are certain conditions that cannot be covered you know exactly where you stand once the Insurance Company has assessed your situation.
Smart Tip #5
The best time to purchase travel insurance is when you pay for your trip to provide cover against cancellation costs such as an unforeseen illness or accident that could eventuate between the date of payment and the date of departure.
Smart Tip #6
Always keep a copy of your travel insurance Product Disclosure Statement and Certificate of Insurance with you on your computer or device as well as printing off a hard copy.
Smart Tip #7
When you have a situation that is likely to lead to a claim on your travel insurance policy please contact the Emergency Assistance to seek instructions on what to do in the circumstances. Follow these instructions as well as you can and take the name of the person whom you spoke to.
Smart Tip #8
Don’t just chase the cheapest policy without checking exactly what it covers you for.