Travel insurance tips
Read our guide to making sure you get the right cover every time.
Being prepared can help ensure you have a safe, happy holiday. This guide can take you through some useful tips regarding the following:
Researching your trip
Packing your bags
Getting the right travel insurance
Surviving the flight
Staying safe overseas
Tips for when you’re preparing to travel
Being prepared before you travel can save you a lot of time, money and heartache if something goes wrong. You may want to consider the following tips to help prepare yourself for a range of eventualities on your travels.
- Research the countries you are travelling to and make sure you have all the necessary vaccinations and visas.
- Make a copy of your passport and other important documents in case they’re lost or stolen. You can also leave copies with someone at home or email copies to yourself.
- Research the currency exchange rate for the countries you are visiting to ensure you will have sufficient funds.
- Take out travel insurance and check that it covers both the region you’re travelling to and activities you plan on participating in, such as skiing.
- Advise your bank or credit card provider of your intention to travel so they won’t cancel your card when they start seeing overseas transactions. You could also consider preloading a travel money card.
- Check international roaming charges and work out whether it would be cheaper* to get a global SIM.
- Make sure you have the correct adaptor for charging your electronic devices overseas.
Luggage packing tips
- Pack an extra set of clothing in your carry-on bag in case your checked luggage is lost or delayed.
- Keep some cash or a credit card separate from your wallet in case your bag is stolen.
- Depending on how long you are travelling for, consider taking a carry-on bag only to avoid queuing at carousels.
- Consider the climate at your destination and pack your wardrobe accordingly. Opt for mix-and-match pieces that you can wear with other items.
- Roll clothes instead of folding as they will get less creased and will take up less room in your suitcase.
- Stuff smaller items into shoes and any corners to fully utilise the space you have.
- Shoes take up lots of room, so consider taking one formal pair and one casual pair only.
- If travelling overseas, put your liquid and gel toiletries in travel bottles that conform to customs regulations and place them in a clear, resealable plastic bag.
- Carry your medications in your carry-on bag in their original containers, along with your prescriptions.
- Rather than packing books, consider taking a lightweight ereader.
- Tie a bright ribbon or something distinctive to your bag to make it easy to identify on a carousel.
You might reduce the chances of having bags lost or stolen by doing the following:
- Make sure you clearly label them and remove all old tags.
- Shrink wrap your bag to deter would-be thieves.
- Use uniquely numbered cable ties, so you can tell if someone has tampered with your bag.
- Don’t pack anything in your check-in luggage that you can’t afford to lose.
- Always pack your own bag and don’t carry items for anyone you don’t know and trust.
- Never leave your bag unattended, even for a moment.
- Take photographs of the contents of your luggage and make an itemised list of valuables in case of loss or theft.
- Put your destination address on the label but not your home address as this could be used by potential burglars.
As well as your airfare, it’s important to book your accommodation ahead of time – not just to potentially help get the best* deals, but so you know where you plan on staying when you arrive at your destination. You might want to do the following:
- Book well ahead to take advantage of early bird deals and specials.
- Research your accommodation options thoroughly on the Internet visiting comparison websites and reading reviews.
- Compare different dates to see how much prices vary and prepare to be flexible to get the best* savings.
- Consider travelling in the off peak or shoulder season to avoid the crowds and to get the best* accommodation (and travel) deals.
- If your prepaid accommodation is non-refundable, consider making sure your travel insurance covers you for cancellations.
- Consider how much time you will be spending in your room when deciding on the number of stars your hotel should have.
- Consider staying at new hotels, as their initial rates are often discounted.
- Opt for an accommodation-only booking and eat out for meals to save money on breakfasts and dinners. Conversely, take full advantage of meal-inclusive accommodation deals by eating at the hotel.
- Always ask if there’s a room upgrade available when you arrive at a hotel because you’ll never know if you don’t ask.
- Stay away from the mini bar.
- Look for hotels that offer a shuttle service as this can save you a lot of money on taxis.
Air travel tips
Flying long distance is one of the prices we pay for travel to far-flung destinations, but there are a number of ways to reduce the discomfort and mind-numbing tedium that long haul flights can entail. You might consider the following:
- Do you have frequent flyer points? Use your frequent flyer points to upgrade from economy to a seat with a little more legroom.
- Are you travelling for business? If you are travelling on business, use the time to get some serious work done.
- Feel like a movie marathon? Watch several movies back to back (this can eat up quite a few hours).
- Can you sleep on the plane? If possible, sleeping can also pass many hours.
- Have you got your travel accessories? Bringing a neck pillow, eye mask, earplugs and noise-cancelling headphones and using them, especially on a long-haul flight.
- Did you bring a book? Reading can make the time fly, especially if it is an absorbing read.
- Did you get the window seat? Opt for a window seat if you can, as an aisle seat can mean getting up constantly for those who don’t.
- Have you had enough water? Drink plenty of water and stretch your legs regularly to reduce the risk of deep vein thrombosis or blood clots.
- Can you get an exit row seat? Ask for an exit row seat for extra legroom, but remember to dress warmly as these rows are generally colder.
Overseas travel can be relatively safe as long as you take the following sensible precautions to protect yourself and your belongings:
- Never leave your bags unattended or with someone you don’t know.
- Carry your money and valuables in a money belt or internal pocket of your clothing.
- Don’t flash money or expensive equipment around.
- Don’t attempt high-risk sports or activities that you haven’t tried at home or don’t feel confident about doing. Make sure you always use qualified, licensed instructors and operators if you do.
- Know the road rules and obey them when driving or riding in a foreign country.
- Don’t use your credit card at Internet cafes or anywhere that doesn’t bear a Visa Safe sign.
- Don’t hitchhike and try not to travel at night in unfamiliar areas.
- Don’t fight back if you are mugged, as parting with a watch or some cash is better than being injured or worse.
- Lock all doors when driving your rental vehicle, particularly at night.
- When possible, choose hotels and accommodation with swipe card room access rather than keys.
- Beware of scams such as thieves posing as police, tour guides or taxi drivers.
Having adequate travel insurance is an important part of protecting yourself when travelling overseas. While your level of cover will depend on where you are travelling and what you are doing, it can generally be a good idea to consider how your policy covers the following main areas:
- Overseas medical and hospital treatment, including emergency evacuation, repatriation and legal liability.
- Trip cancellations.
- Lost, stolen or damaged luggage and personal belongings.
Other tips when purchasing travel insurance include the following:
- You might purchase online rather than through a travel agent or airline to help avoid potentially hefty commissions charged.
- Read the terms and conditions carefully so you understand what is covered and what isn’t.
- If you plan to make more than one trip in a year, you might want to consider annual multi trip cover, which can work out cheaper* than single trip cover.
Things to bear in mind and options you might want to consider when comparing travel insurance policies include the following:
- Use travel insurance comparison sites to get an idea of what’s available and what cover will cost you.
- Look for insurers that will cover any activities you plan on participating in on your holiday.
- Check benefit limits and excesses payable as these can influence the cost of your policy.
- Check whether the policy covers the excess payable if you plan to hire a rental car.
- If you have a pre-existing medical condition, find a policy that can cover it (even if you have to pay an additional premium).
- Check the insurer to look at its industry rating and claims history.
- Consider value for money rather than simply looking for the cheapest* or assuming the most expensive is also the most comprehensive.
- Look for insurers with a 24/7 overseas emergency assistance provider.
- Look for insurers who allow you to tailor your policy by removing those covers you don’t want and adding those you do.
The following are some of the main tips for ensuring a successful travel insurance claim:
- Report any incident within 24 hours and notify your insurer as soon as possible (usually within 30 days of returning from your trip).
- Get a police report if a crime is involved and include it with your claim form (in English) along with any other required documentation such as receipts or doctor’s reports.
- If a transport carrier is responsible for your loss, report the loss to it as soon as possible and obtain a property irregularity report.
- Cooperate fully with your insurer with regard to any requests it may make for further documentation or medical examinations.
Having a safer, more affordable and less stressful holiday involves ticking all the boxes and being ready for anything. And it can be well worth the effort because once you’ve done the legwork, you’ll be able to relax and enjoy your trip, knowing you’re prepared and covered against a range of eventualities.
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