What does travel insurance cover?
You work hard for your money, day in and day out to earn the opportunity to reward yourself with a little holiday. You plan the trip for months, daydreaming about your perfect getaway. Once all the bookings are made and the cash parted with, it can be hard to justify spending more money on travel insurance. Keep in mind that, your holiday could end up being much more costly if something goes wrong and you have not purchased travel insurance cover.
Travel insurance covers a range of unexpected events that might disrupt even the best laid plans. Here are some of the common inclusions in travel insurance:
24 hour emergency assistance
24/7 Emergency Assistance provides round the clock help for any policy holder when something unexpected happens. Can you imagine being denied medical treatment because you can’t pay the bills upfront? Or being in a foreign country and not knowing which medical facility has the best level of care?
24/7 Emergency Assistance can help with:
- Access to the right medical treatment
- Payment of bills if your claim is approved
- Bringing you home
- Assistance when passports, travel documents, or credit cards are lost
- Assistance with changing travel plans in case of emergency
Medical cover
In Australia, Medicare and Private health insurance will not follow you on holiday. Would you feel comfortable risking inadequate medical care in a foreign country for yourself or your travel companion?
Medical cover generally will provide cover for overseas hospital, medical, surgical, nursing and ambulance expenses.
Emergency evacuations
It isn’t a scenario anyone wants to think about, but accidents do happen. If you have an accident and are in an area with inadequate medical care, you may need to be evacuated to somewhere that can provide the care you need.
Emergency evacuation cover will provide cover for the costs associated with an emergency evacuation such as an airlift, and medically equipped flight home. It also provides cover for emergency and transport expenses if an unforeseen disaster like a volcano, tsunami, earthquake or flood interrupts your journey.
Lost or delayed luggage
Perhaps one of the more annoying travel hindrances you can come across is lost or delayed baggage.
Baggage cover can provide cover for reimbursement or replacement of personal belongings if your luggage is lost, stolen or damaged. Baggage delay cover can provide cover for reimbursement for additional expenses incurred if your baggage is delayed, like a toiletry kit or a change of clothes.
Cancellation cover
Holidays cost money. Plane tickets, tour packages, resort fees, accommodation, and adventure activities are often pre-paid in advance. If these expenses are non-refundable, you risk losing it if something goes wrong.
Cancellation Cover will provide cover for reimbursement of pre-paid, non-refundable expenses if your trip needs to be cancelled due to an unforeseen circumstance before you leave. With youGo, you choose the cancellation cover you need. Adjust the level which suits you to include cover for destination-specific costs and other travel related expenses.
Activities cover
This cover relates to activities that policyholders engage in while travelling. youGo has a comprehensive list of activities that are automatically included in the policy while you are on your journey, such as bungy jumping, kayaking and white water rafting. Other activities, such as skiing and snowboarding can be included at an additional charge.
Please review our financial services guide and product disclosure statement carefully to understand what this policy covers. Importantly, please note that exclusions and limits apply. Contact our customer service representatives with any questions or clarification you may need.
Get a quote for youGo Travel Insurance today now that you know what travel insurance covers and ensure that your dream vacation turns out to be all you had planned and more.