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Unlike other insurers you can include all family members, whereas many only allow for 2 adults and then dependants. We are 2 adults, 2 independents (over 21 and/or working full time) and 2 dependants. I like that insure&go allow my family of 6 to...
Unlike other insurers you can include all family members, whereas many only allow for 2 adults and then dependants. We are 2 adults, 2 independents (over 21 and/or working full time) and 2 dependants. I like that insure&go allow my family of 6 to be insured together on one policy.
Rachel, South Australia, reviewed 3 days ago
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Looking for a quote for your next trip? Our quick tips and tools can help you find the best quotes based on your travel plans. Compare the different insurance providers and policies on the Mozo website before your next holiday and protect yourself from that unplanned expense.
All travel insurance providers listed on our website will have number of pre-existing conditions that they cover and then ones that they don’t. After you fill in your travel details and land on the results page, you will see a selection box listing the most common pre-existing conditions. Once you have selected your condition, you will see a revised list of results to choose from.
While most insurers cover diseases such as asthma or diabetes, they may have some restrictions such as requiring you to be under 65 years of age and able to demonstrate a stable medical history for these conditions. But they might not cover conditions such as cancer or psychological illnesses at all. Or, you might have to pay an extra premium. So it is important that once you select an insurer you mention your pre-existing medical history and find out for sure what you can be covered for.
Most insurance providers don’t charge any fee for children below the age of 18 years, travelling with their parents or grandparents. Family travel insurance turns out to be cheaper than individual insurance for both single as well as multi-trip insurance policies. But you have to mention the travel details for all travellers, regardless of age, at the time of buying your policy.
Most insurance providers treat pregnancy as a pre-existing medical condition. So to find policies covering pregnancy on our site, first feed in your travel details and on the results page, select pregnancy from the list of pre-existing conditions mentioned. Do keep in mind that generally insurers limit their cover for pregnancy to the end of the second trimester. There might also be other exclusions say, for instance, you’ve had complications in the past, are expecting twins or have conceived through assisted reproductive services. You can still get general insurance for the later part of your pregnancy, but that would not cover pregnancy-related conditions.
Some insurance providers do have insurance policies for a one-way trip however, at the moment our travel insurance quote service only caters to travel itineraries that start and end in Australia.
You can usually extend your insurance while you are travelling for up to 12 months from the time that the cover started. If you are going to be away for longer than a year, you would have to buy a new policy. If you want to amend or extend your policy, you would have to contact your travel insurer directly. There would be an extra cost for amending your policy once you are on the trip.
Most travel insurers have a cap on the number of days you can spend on each trip when you are using an annual multi-trip insurance. It usually ranges from 30 to 90 days.
While some insurers do have insurance policies for domestic travel in terms of delays, cancellations, loss or damage to luggage and personal belongings; at the moment, we do not offer domestic travel insurance on our website.
When you make a claim on your travel insurance policy, you would have to pay a certain part of the total amount and the rest would be paid by the insurance company. This amount that you need to pay is called an excess. It can be fixed or flexible depending how much you want to pay as your initial premium or it could be determined by the claim type as some insurers will have lower excess for theft claims than say medical expenses. Generally, the higher the excess, the lower your premium will be.
DON’T wait till the last minute to buy travel insurance
Many people don’t realise that the cost of your insurance is not calculated from the time that you buy it, but from the day that you start your travel. In fact, most providers have a cooling off period of 14 days after you purchase the policy during which you can cancel it or make amends without any extra cost as long as you haven’t travelled or made a claim. In addition, if your flight gets cancelled or you have to cancel your trip because of an emergency, your travel insurance would cover cancellation costs. Usually, you can buy a travel insurance policy up to 12 months prior to your date of departure.
DO be accurate about your travel dates
Make sure to be as accurate as possible about all your travel details including the travel dates. In case of a cancellation or delay, you don’t want your claim to be rejected because you didn’t provide the correct information to your insurer at the time of buying the policy.
DO consider any extreme sports or adventure activities you are planning to indulge in
You may be fit and athletic, but it’s always a good idea to get insurance for any kind of adventure activities you are planning to try on your trip. Generally, international travel insurance would cover your amateur participation in a range of sports and adventure activities. But you may have to take special cover over a standard insurance policy to include these. For instance, you will have to add skiing insurance to your standard policy if you are going for an adventure in the snow. If you are participating in a sport professionally, you would have to mention that to your provider and agree upon an insurance accordingly.
DON’T drink and dive or drive
While you may be covered for a particular sport or adventure activity, your claim could get rejected if you hurt yourself while you were under the influence of alcohol or drugs.
DO get first-hand advice
Look up reviews from other Australians who have used a particular insurer or policy before and see what they have to say about it. Personal experiences can give you a good overview of the pros and cons of travel insurance.
DO compare travel insurance quotes yourself
Instead of just going with a policy that your travel agent or airline recommend, compare the travel insurance quotes yourself. Use Mozo’s comparison tool, punch in your travel details and make an informed decision about the insurance you finally choose. It’s really as simple as that.