Have you got travel plans in 2024?
As work-life boundaries blur, the travel industry in 2024 is bustling more than ever.
From staycations, to slow-cations to destination dupes to bleisure travel? People are using any excuse to travel this year!
It is always important to visit the Smart Traveller Website to check any countries with “do not travel” advice or Sanctioned Countries as listed by DFAT (Department of Foreign Affairs and Trade https://www.dfat.gov.au/). Your travel insurance may exclude cover in these places. They often change so always check before you book.
Let’s take Japan for example – it has been rated as the #1 country in the world to visit, and Australians are flocking to it every year
Nonetheless accidents, medical emergencies, and can crop up unexpectedly and comprehensive travel insurance is strongly recommended. Also, Covid-19 still lurks everywhere and although there are no travel restrictions for WA we should be wary and make sure your travel insurance has some cover for Covid19 related disruptions or delays. Your COVID-19 travel insurance benefits may possibly exclude cover for government border closures, lockdowns or quarantine.
Travel insurance doesn’t come cheap either in 2024 – yet it is vital that you are aware of all the expenses you will suffer if go without it and something happens to unsettle your holiday.
We also understand your credit card possibly offers you a plate full of perks for travel insurance.
You may want to read our article Can you rely on your credit card travel insurance.
Travel insurance costs will vary depending on a number of factors such as:
- # of travellers
- Duration of travel
- Months of travel – for example travel insurance for Japan may be slightly lower in July (it is very hot and humid and may be a quieter time to visit) compared to September.
- Adding adventure activities such as paragliding, jet skiing, archery, golf, banana boating, boogie boarding, Bridge Walking (supervised by a fully trained guide) quad bike riding, segway tours and mud buggying. Each insurer has their own adventure activities included, so do your research or let us do it for you.
- Adding business equipment and documents
- Adding cover for winter sports such as skiing (recreational only), snowboarding, snowmobiling, ice skating and tobogganing. Also, you will only be covered for snow sport-related claims if you are on a guided tour with a licensed tour operator while heli-skiing or heli-boarding for example.
- Adding cover for Cruises
- Depending on whether you plan to ride a motorcycle or moped (you can either get cover for engine capacity of 250cc or less or get cover for unlimited engine capacity.
- Opting for higher coverage limits than insurer standard amounts for luggage items for example
So, if you are going somewhere or planning a holiday, do not sacrifice obtaining travel insurance – it will make your trip much more relaxing and stress free.
To find out what it will cost you to safeguard your trip, please get in touch.
There are often terms and conditions, exclusions, deductibles and limits which apply so please consider the Product Disclosure Statements before deciding whether the product is suitable for you.
