ENSURE YOU’RE INSURED

Although we hope you’ll never need it, given the risks involved with international travel, getting travel insurance in this post-COVID era is more important than ever.  It is advisable to obtain comprehensive travel insurance at the time of confirmation/paying a deposit to ensure you are covered from the moment you book.

Whilst we cannot recommend the right policy for you (as only you know you and what you need), below we have provided links to sites and articles that may help you navigate your way through the choices available:

What you need to look for when selecting coverage for your trip

For answers to Travel Insurance Frequently Asked Question this excellent article, Travel Insurance Simplified, published on 07 April 2022, details what you need to look for when selecting coverage for your next trip.

Which companies offer international COVID-19 travel insurance to Australians?

This article, Coronavirus Travel Insurance, published on the CanStar website on 08 March 2022,  is the most comprehensive insurance overview we have been able to source to date when it comes to insurance cover for Covid-19.

The impact of DFAT travel advice on insurance

Some insurance will not cover travel to countries where the Australian Department of Foreign Affairs & Trade (DFAT) is warning Australians to “Reconsider your need to travel” (Level 3) and most don’t cover travel to places with a “Do not travel” warning (Level 4). Most international travel insurance covers visits to Level 2 countries.  DFAT travel advisories can change over time and this may affect your travel insurance coverage.  You should always check the advice levels on the Smartraveller website.

How much does COVID-19 travel insurance cost?

Costs will vary depending on your age, destination, duration of your journey and if you have any pre-existing medical conditions.  It is important to note that the inclusions with each policy are different. So, price is not the only factor you should consider when choosing travel insurance!  You should read the PDS carefully before purchasing any travel insurance policy as each product may or may not be suitable for your needs.  If you’re looking for information in the PDS about cover for COVID-19, you can jump straight to the relevant information by searching for terms like “COVID”, “Coronavirus”, “pandemic” and “epidemic” within the document.

Credit Card Travel Insurance

Many premium credit cards come with complimentary travel insurance. Unfortunately, most credit card travel insurance automatically excludes cover for epidemics and pandemics.  If you elect to only be covered by your credit card travel insurance it is paramount that you understand the terms and conditions, policy availability subject to your age, trip duration and destination, item limits, sub-limits and exclusions that may apply.

Australia’s reciprocal health care agreements

If you’re travelling to one of the 11 countries for which Australia has reciprocal health care agreements, you may also be able to access free health care at your destination under these arrangements. The exact benefits available to Australians in each partner country vary. At a minimum, you can generally access emergency medical and hospital care in any of these 11 countries by simply showing your valid Australian Medicare card.

Even if you’re travelling to a country that has a reciprocal health care agreement with Australia, it’s still a very good idea to get travel insurance anyway. Reciprocal health care agreements will not cover any of your quarantine expenses or trip cancellation costs if you get COVID-19.

Travel insurance will also cover you for many more of the things that could go wrong while overseas!

What we offer

The Classic Safari Company is currently associated with the following three travel insurance providers :

Each of the above insurers has varying strengths depending on the activities included in the trip you are undertaking.  Their websites are easy to navigate and once you have entered your personal details and selected your preferences – be that to reduce your excess, include cover for cruising, increase your cover for cancellation or obtain cover for a pre-existing medical condition – the website will generate a quote. If you are satisfied with what is presented, you simply need to follow the steps to purchase your insurance policy online.  As there are so many options and levels of cover that can be tailored to meet your individual needs, we do encourage you to contact your chosen insurer directly, or click the links above, to select a policy that is right for you. 

The information above is subject to change at any time.  Please always read the travel insurers’ relevant Product Disclosure Statements and refer to the Australian Government’s Department of Foreign Affairs & Trade’s (DFAT) Smartraveller website for up to date travel advice and their advice on Travel Insurance.

Whichever insurer you choose please provide us with a copy of your chosen policy, insurance certificate and all emergency contact details for our records.

 

FURTHER READING & USEFUL LINKS