A new review from online travel insurance provider InsureandGo has uncovered how travellers can receive coverage for a range of activities on holiday by shelling out a little extra on their travel insurance policy.
For instance, common holiday activities such as kite-surfing and snowboarding may not be covered under many standard travel insurance policies. However, you can either upgrade to a more comprehensive policy or, in some cases, find a tailored solution for your type of holiday.
“We urge all travellers to do their research and find a policy that suits their needs. To opt-in from a standard policy to tailored cover can often be equivalent to the cost of a meal out. But this can be the difference between being covered for damaged ski equipment or having to fork out thousands of dollars,” said Jonathan Etkind, Commercial Manager of InsureandGo.
“Some travellers who are heading to the snow, may not be aware that they need to purchase a policy that protects them for activities like winter sports, which is important with the upcoming winter holidays. For those making a trip across the Tasman for an action packed getaway, the last thing you want to do is fork out for medical fees if you have an incident and haven’t purchased the right level of cover,” said Mr Etkind.
For those unsure about what travel insurance covers you for, InsureandGo has evaluated some common claims to consider when purchasing the correct policy.
1. Cruise cover
Cruise holidays, whether it be exploring the Pacific Islands or the icebergs in Antarctica, are a fantastic way to travel. However, they can quickly turn into a nightmare if you don’t have the right type of cover. Many insurers will offer a specific cruise policy while others offer it as an add-on. Regardless of the provider you select, ensure you’re covered for situations such as missing a port departure or emergency medical transportation as these may not be covered by standard policies.
2. Backpackers cover
Thinking about embarking on a backpacking holiday? You may need a backpacker specific policy rather than standard coverage. Backpacker policies are often more affordable than one trip policies for the same period of time, and can provide additional cover for extreme activities many standard policies don’t such as sky diving, parachuting and paragliding if you’ve purchased the right type of policy.
3. Golf holidays
If you’re planning on taking part in some golfing action be sure to check if there’s an extra golf-protection option. If you happen to damage your clubs, many insurance providers will cover for lost, damaged or stolen equipment, if you’ve purchased the right extras as part of your policy.
4. Winter sports
A snow trip to New Zealand this winter might be just what the doctor ordered with snowboarding and skiing on the agenda. However, the snow can be tricky, even for seasoned veterans, and may see you paying for a trip to the local hospital. Be sure to purchase extra winter protection as part of your policy, as incidents relating to winter sports are often not covered by standard policies.
5. Pet care
Putting a much-loved family pet in care while you’re on holiday can be expensive enough on its own. However, if you face delays on your way home from a holiday due to incidents like poor weather conditions while cruising, or delayed or cancelled flights, you may face unwanted fees for additional kennel or cattery care. By opting for the correct policy, travel insurance can assist with these issues, covering you for these costs, as a number of providers won’t include this as part of a standard policy package.