Australia is a wonderful holiday destination but it’s essential that you take out holiday insurance BEFORE you leave the UK and cover the whole of your time in Australia. If you need medical attention whilst you are on holiday in Australia or worse still need to come home early, or with the assistance of medical staff you could be facing a hefty bill if you haven’t got travel insurance.
Australia is in a group of it’s own for holiday insurance as it’s generally more expensive than holiday insurance to Europe but cheaper than the USA.
Many travellers going to Australia (and Australia as they are in the same risk rating group for insurance), travelling from the UK will break their flights there and back at for example Dubai, Hong Kong, Singapore or Los Angeles. Should you decide to break the trip and have a couple of days at your stopover location then most travel insurance policies will allow this without you having to add the location to the geographical region for a maximum stay of 72 hours (you should check on your schedule if you plan to do this).
If you plan to stay in Asia or North America whilst you travel to Australia for more than 3 days then you should select Worldwide Travel Insurance (including or excluding the USA depending on whether you plan to stopover in the USA).
Declare any pre-existing medical conditions to ensure the travel insurance will pay-out when you need it in Australia
It’s really important that before you leave the UK and travel to Australia that if you have any pre-existing medical conditions that these are disclosed to your travel insurance company.
If you don’t disclose your pre-existing medical conditions fully this may mean that a claim for medical expenses in Australia will be declined. Also if you don’t fully disclose medical conditions this could affect whether the travel underwriters will payout for a claim for cancellation if you fall sick before you go away, or worse if you need to be repatriated on medical grounds when you are on holiday in Australia. What is a “pre-existing medical condition”?
You need to declare to your travel insurance company whether you or anyone travelling with you has EVER had treatment for:
- Any heart or circulatory condition
- A stroke or high blood pressure
- Any breathing condition (including asthma)
Or if, within the last 24 months you have:
- Been treated for any serious / re-occurring condition
- Been referred to a specialist or hospital consultant for tests, diagnosis or treatment
- Been asked to take regular prescription medication.
Travelling to Australia on a single trip or annual multi-trip policy (if you are making this journey regularly, perhaps to relatives or to a holiday home), need not be expensive if you shop around and use a specialist travel insurance comparison service. Also, look for reviews from existing customers to check out their customer service and see what help they may be able to provide for you.