Travel Insurance Checklist

Why You Need It

• Medical costs overseas aren’t covered by Medicare.

• The Australian Government won’t pay your medical bills, evacuation, or shipboard medical costs.

• Protects against cancellations, delays, missed ports, and accidents at sea.

• Gives peace of mind so you can relax and enjoy your holiday.

• Medical cover limit – is it high enough for expensive destinations and shipboard treatment?

• Emergency evacuation & repatriation – includes helicopter evacuation from a cruise ship?

• Trip cancellation cover – prepaid flights, hotels, cruises covered?

• Lost / stolen luggage – are sub-limits enough for valuables?

• Travel delays – meals, hotels, rebooking covered?

• Pre-existing conditions – are they covered, or can you apply?

• Adventure activities – shore excursions included?

• Excess – what amount do you pay before the insurer pays?

• Shipboard medical costs – treatment onboard is expensive; is it fully covered?

• Missed port cover – compensation if ports skipped due to weather/mechanical issues.

• Missed connection – if you miss embarkation due to delayed flights.

• Cabin confinement – daily allowance if confined due to illness (e.g., gastro, COVID).

• Cruise cancellation / interruption – if you must cancel partway through.

• Onshore excursion cover – accidents or cancellations during excursions covered?

• Cruise line insolvency – cover if a cruise line ceases operations.

Always choose COMPREHENSIVE cover
Always declare your pre-existing medical conditions to ensure you're covered
Always ensure all of your travel itinerary and all of your planned activities are covered.

Email Michelle or call / SMS on 0400 818 779 for domestic, international or Annual policy today.