Access Holidays strongly recommend clients take out travel insurance for international Holidays. Consideration for coverage may also be given for extended duration domestic holidays should the client want additional protection.
Travel insurance provides security for lost property, travel costs re imbursement for cancelations, missed flights and coverage on illness including some pre existing medical conditions.
The cost of travel insurance is based on a number of factors such as the type of cover requested, the age of the insured, the destination of travel, length of stay and any pre-existing medical conditions. A wide range of travel insurance policies are available so shop around in order to find the policy that best suits your circumstances and travel plans.
The Fine Print
- Travel insurance is a contract. Always read the product disclosure statement and ensure that you understand exactly what your policy covers.
- Travel insurance is not unlimited. It may not cover you for cancellation or change to travel plans. Keep a copy of the product disclosure statement for your records.
- When shopping around for coverage, make sure your insurance policy will cover you for the activities you plan to participate in and is valid for the duration of your trip.
- Always clarify any specific policy issues directly with the insurer, preferably before you proceed with the planned travel.
Medical coverage and pre-existing conditions
- Ensure that medical cover offered under the insurance policy is adequate for possible expenses in the country you are going to visit. In some parts of the world medical costs can be very expensive.
- Ensure you declare any pre-existing medical conditions you may have. Failure to do so may nullify all coverage.
Limits and exclusions
- There are standard general exclusions on most types of travel insurance policies. These can include acts of civil unrest, self-inflicted injury, acts of terrorism, loss or theft of unattended baggage, and pre-existing medical conditions.
- Some travel insurance policies may be invalidated when injuries are sustained as a result of being under the influence of alcohol or drugs.
- Standard travel insurance policies generally exclude ‘dangerous’ or ‘extreme’ activity, such as snowboarding or surfing, rock climbing, kite surfing, hunting, bungee jumping and scuba diving. In some cases you can pay an additional premium to cover such activities.
- Generally, cover for luggage and personal belongings is limited and expensive items such as cameras, laptops and/or jewellery may have a per-item limit. In some cases you can pay an additional premium to cover valuables to a pre-determined amount.
Access Holidays invites customers to evaluate our travel insurance affiliates products with other products on the market.
Please note: Access Holidays DOES NOT take ANY responsibility for the individual’s policy. All inquiries for insurance and claims must be made to the insurance company directly and not to Access Holidays.