When getting quotes, some insurers ask you to select the countries you are travelling to, and others ask you to choose a region.
means anywhere in the world
generally means Asia and the India subcontinent excluding Japan
means domestic travel within Canada
means all European countries, including UK
means the South West Pacific including Australia, Indonesia/Bali, Fiji
If you’re travelling to multiple destinations in different geographical regions, you must select the highest / furthest away region so that it covers travel in all the lower/closer regions. Good news, you don’t need to select stop-over countries if your stop-over is less than 48 hours.
2. Select your vacation date range
When buying travel insurance online you’ll need to enter a start date, and end date of travel. The start date should be the one that you leave home (not the date you land in your destination if you’re flying) and the return should be the date you get back from your trip. If you travel interstate and overseas multiple times a year, it might be beneficial for you to purchase one annual multi-trip policy that covers you for unlimited trips within a year, rather than buying an individual policy each time you go away.
3. Add traveler details
You need to select the number of travelers to be included in the policy, and enter the name and date of birth of each person. In most cases kids are included for no additional cost within your policy as long as they’re under 21, not in full time employment and named on your policy. Yippee!
4. Add cover for adventure activities
It’s easy to get caught out by participating in 'extreme' sports before realizing you’re not covered! Quite a few sports and activities are excluded from standard policies, so it’s always a good idea to check whether your intended adrenaline activity is covered.
Activities usually covered include:
Activities sometimes covered include:
Activities rarely covered include:
6. Declare your pre-existing medical conditions
Travel insurance exists to cover the unforeseen, not medical conditions you’re already aware of. Medical conditions that exist prior to purchasing your policy may not be covered. Whether you’ve broken your arm, undergone hip replacement surgery, or suffered a bout of bronchitis, you’ll need to disclose any injuries, illnesses and major procedures to your insurer. Depending upon your condition, you might have to fill out a medical declaration signed by your doctor and have it assessed by the travel insurance company before you buy your policy. Pre-existing medical conditions apply to everyone listed on the certificate of insurance. So, the person who buys the travel insurance policy, travelling companions, and close relatives too. In the instance of cancellation, it also applies to close relatives that aren’t necessarily travelling with you.