Buying your travel insurance online can be a challenging task if you don’t know what to look out for and are not sure about travel insurance specific expressions.
Travel Insurance Saver will give you a break down of the process step-by-step, so when you are ready to get your travel insurance quotes online, you are the expert.
With Travel Insurance Saver you and your family are protected with a company that offers;
Cancellation cover or deferment costs
Buying online travel insurance should be easy, affordable and provide comprehensive cover on what you need when travelling.
It is up to you to choose your excess level from the available options. The amount of the excess will be shown on your Certificate of Insurance. This excess will apply to each claim you make under this policy except on the applicable section of the policy wording listed as “No excess applies to claims under this benefit”. The excess is an amount that will be subtracted from the amount paid to you if you should make a claim under a section of the policy where the excess is applicable. If you make more than one claim under your policy the excess will apply to each claim which arises as a result of each separate set of circumstances. Travellers insured on the same Certificate of Insurance must select the same excess option. Not applicable to Deposit Protection Travel Plan.
An excess is the first amount of a claim which will not be paid by the insurance company. You should always check what excess your policy has before buying. Some online travel insurance policies give you the choice of excess levels.
This enables you to choose whether or not you want to increase your upfront premium and pay a lower excess when you claim, which means you will pay a little bit more now, but minimise your excess should you need to make a claim. As a general rule, the higher the excess, the lower the premium. Therefore, when looking at a travel insurance quote online, always compare the excess.
If you have a chronic or ongoing condition, you will most likely have to follow a medical assessment procedure. To make your life easier, some conditions are automatically covered, please check the relevant Product Disclosure Statement for details.
If you are travelling within Australia, many travel sites will offer online travel insurance. When booking travel insurance, make sure that it covers cancellations, lost luggage and rental car excess. Not every flight travel insurance offers the same benefits. Even if you book last minute travel insurance, make sure you take the time to read the small print.