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Planning a holiday is exciting, but have you considered travel insurance? It’s something that is often overlooked until it's needed.
It’s something that is often overlooked until it's needed. Understanding the right time to purchase insurance and selecting the appropriate cover ahead of your trip can save you from unexpected costs and stress encountered while on your adventure.
Here's a brief guide on when it’s a smart idea to consider purchasing coverage:
If you're booking a big-ticket holiday—overseas trips, cruises, or luxury resorts—it’s a good idea to get travel insurance as soon as you make the reservation.
Many people wait until just before their trip to purchase insurance, but this can leave you exposed if something unexpected happens before your trip. If you need to cancel your trip or face a personal emergency that prevents you from traveling, you might not be eligible for reimbursement. Securing travel insurance early ensures you're protected from the moment you book your trip.
Many banks provide some insurance options through their credit card offerings, but it’s important to read the fine print and understand the eligibility criteria. Coverage might be limited to specific issues such as lost luggage or trip delays, and often doesn’t include medical expenses or trip cancellations.
In many cases, for the insurance to apply, you need to have paid for the entire trip—or at least the return flights—using that specific card. Before purchasing separate travel insurance, check your credit card’s terms to see what’s already covered and make sure your booking qualifies.
If you’re heading abroad, particularly to countries where healthcare costs are high, having travel insurance that includes medical coverage is crucial. Even minor accidents or illnesses can lead to significant expenses, and most domestic health insurance plans won’t cover you internationally.
Planning on skiing, hiking, or diving? These kinds of activities come with higher risks. Standard travel insurance may not cover extreme sports or adventure activities, so you might need a specialised policy.
Through insurance.com.au, you can select additional coverage to protect you against these adventure trips, as well as any equipment you require for these trips. You can read more about the adventure trip cover on our travel page, here.
If you're traveling during times of uncertainty—whether due to weather conditions, political instability, or global health concerns—travel insurance can provide peace of mind. It’s worth considering coverage for trip cancellations, delays, or interruptions in case the unexpected happens.
While travel insurance isn’t always necessary, it is a smart investment for your trip. It is important to plan for the unexpected. When in doubt, having some coverage can go a long way in ensuring your trip is as stress-free as possible!
Click here to explore our options and tailor the coverage to suit your journey!
This article has been prepared by Insurance.com.au Pty Ltd ABN 27 163 909 073, an Authorised Representative (AR Number 443422) of Insurance House Pty Ltd ABN 33 006 500 072 AFS Licence 240954. A copy of Insurance.com.au’s FSG is available here.
The information is current at the time of publication. While every effort has been made to verify the accuracy of the information, Insurance.com.au, its officers, representatives, employees and agents disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained in this material for any loss or damage suffered by any person directly or indirectly through relying on the information.
The travel insurance distributed through Insurance.com.au is administered by Battleface Insurance Services Pty Ltd (Battleface) ABN 28 650 606 045 AFSL 536280 and is underwritten by Pacific International Insurance Pty Ltd ABN 28 650 606 045 AFSL 536280. Battleface also operates under the trading name Robin Assist.
Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs. Before making any decision based on the information, you should consider whether it is appropriate to your particular circumstances. You should read the Product Disclosure Statement (PDS) & Financial Services Guide (FSG) and Target Market Determination (TMD) before making any decision to acquire a financial product.
