If you can't afford travel insurance, then you can't afford to travel

We know from experience the value of travel insurance.

Any number of events may bring your travel plans to a grinding holt; last minute cancellation due to illness, unexpected family crisis, ill health while you are travelling, and accidents – and this is where travel insurance has you covered. Although bitterly disappointing to have your trip cut short or not even depart, with a travel insurance policy at least your financial loss is minimised.

When you travel solo, peace of mind is even more important, and travel insurance will buy you the comfort of knowing that you’re covered, before you leave home and while you’re away, in the event of something unexpected that sees you out of pocket for any number of reasons. Sometimes, travel insurance is a last minute thought or seems incidental to your travel plans. But, if you get your insurance early then you’ll be covered for those events before you take off, as well as while you’re on holidays

Don't Leave It Until The Last Minute Before You Depart!

OUR TERMS

As part of our booking terms, you must have a valid travel insurance policy for your trip, unless it’s valued under $1000 and then we leave the choice to you.

We ask you for a copy your insurance policy document, and at least 42 days prior to your holiday departure. Then we can finalise your trip documentation and get it to you in plenty of time before you travel.

ABOUT CREDIT CARD TRAVEL INSURANCE

A lot of travellers take advantage of travel insurance policies available with their credit card, but with this there’s some important considerations, and some cases when we can’t accept a credit card policy.

If you wish to travel using your credit card travel insurance policy the following information is required and without this information we do not accept your credit card policy.

We require the name of your bank that your credit card is issued under, the name of the insurance company that provides the policy, the emergency assistance telephone number to call in the event of an emergency, a copy of the insurer’s product disclosure statement, and a policy number.

We also require that you state what the minimum requirements are for cover eligibility with your credit card; this can be but not limited to a minimum spend on your credit card towards your travel arrangements for this Holiday, and you must provide evidence that you have meet the minimum requirements.
Failure to meet all above requirements for cover with a credit card will require that you take cover with an alternative travel insurance policy.

EXTRA TERMS FOR WALKING & ADVENTURE TRIPS IN AUSTRALIA

If you join us for one of our walking or adventure holidays in Australia, you must show evidence to us that you have cover for medical evacuation.

Take Note! Some travel insurance policies, including some credit card policies do not provide cover for medical evacuation for travel within Australia.

However, cover for medical evacuation may be provided by some private health insurers. If you don’t have cover from a private health insurer, you must purchase cover with an insurer that provides cover for medical evacuation relating to travel within Australia.

HELPFUL HINTS

Anything Risky?
Be sure to check your policy. Are you covered for activities that your insurer deems risky? This could be activities like scuba diving, snow-skiing, jet-boating, driving or riding as a passenger on motorbikes or mopeds, hiking and water sports. There’s differences between insurers, so you’ll need to check the Product Disclosure Statement or give them a call.

If you are taking part in one of our trips where the main activity of the holiday is deemed as a risky activity we will also ask you to show evidence to us that your policy covers you for this activity. As an example, this could be our snow skiing/boarding trip.

Elderly Parents
Most policies set a limit to the cover granted where an elderly parent becomes ill or dies, once they are over a certain age. Be sure to check your policy for this limit; as it could mean you will not be covered for expenses if you can’t travel or must cut your trip home due to an elderly parent becoming ill or dying.

Pre Existing Medical Condition
If you have a pre existing medical condition, check with your insurer if you will have cover for the condition. For some pre existing conditions you can opt to pay more for cover. Terms of cover varying between conditions and insurers and it’s essential to seek advice before you take out a policy.

Who Can Act On Your Behalf?
Before you travel, be sure to obtain legal advice to find out how to ensure a family member or friend can act on your behalf with your insurer, and also with persons involved in your care such as doctors, if you become incapacitated. 

Other Tips

  • Accidents while intoxicated may mean you are not covered for any accident or loss.
  • Provide a copy of your policy to a family member or friend who can assist you if required.
  • Carry a copy of your policy with you while travelling in your hand luggage and also your main luggage.
  • Take a photo of your Insurer’s emergency contact information with your mobile phone, to keep with you while you travel.

DO YOU NEED A VISA?

For each trip, we state visa requirements for Australian passport holders on our website. Also, at the time of preparing your travel document we reconfirm the visa requirements for your destination. As a guide, this is around 60-70 days prior to departure.

As a minimum standard, we give the advice for Australian passport holders. For passport holders from other countries you should make a request for us to check your requirements.

Visa requirements are different from country to country. In some cases you may not require a visa, or you may only require an authority to travel which is obtained online.

VISA PROCESSING SERVICES

For visa applications there is the option to engage a Visa processing service to ensure seemless processing. This can be particularly convenient if you have more than one visa to obtain for the same trip.

Options to consider:

TEX VISAS
Tex Visas is Australian owned and have been assisting travellers since prepare and lodge visas since 1980, and are a registered visa agency, who process your application on your behalf.

They have established contacts at all Consulates, at the Embassies and High Commissions in Canberra and expertise in computer tracking and information systems.

VISIT Tex Visas website


VISA LINK

Visalink is a leading Australian travel visa facilitation specialist - they offer an online travel visa advice and processing solution. Their service includes the latest visa advice, and manage end-to-end visa application processes to all embassies and consulates.

VISIT Visa Link website

ELECTRONIC TRAVEL AUTHORITY

Some countries don't require a visa but they do require that you apply for a Travel Authority prior to arrival to the country. These are often referred to as Electronic Travel Authority (eTA) or Electronic System for Travel Authorization by the United States of America.

WORD OF CAUTION

There are many non-government websites offering the service of providing an Electronic Travel Authority. They are known to charge the cost of the eTa plus a service fee.  We can only recommend going directly to the official government website and do not have experience with these other non government portals.

ETA: LINKS TO GOVERNMENT SITES