It’s easy to get carried away and take risks on adventures that we probably wouldn’t otherwise. It’s common practice to get travel insurance before hot footing it overseas, but what about adventuring within Australia? We ask Bessie Hassan, a travel expert from finder.com.au, what the deal is with getting insurance for our “domestic” adventures.
Is It Needed In Australia?
People often overlook insurance for domestic travel because they don’t think it’s necessary, or even available, for adventures in their own country. But Australia is pretty big so it’s worth considering if you’re planning on engaging in any ‘wild’ activities, such as trekking and climbing.
What Will It Cover You For?
There are a few big risks that can occur when trekking in Australia. Poisonous plants and animals, injuries, food poisoning and even theft from campsites are some of the things you could come across on your trip.
Travel insurance for trekking can reimburse you for the following:
- Emergency medical expenses. This will cover you if you become injured or ill on your trip and require urgent medical attention.
- If something happens that requires medical evacuation via helicopter, your policy may provide you with some cover.
- Theft and stolen items. Although rare, this can happen on camping trips!
- If you’ve paid money for a trekking tour and are forced to cancel your trip, your tour costs can be covered.
One thing you don’t have to worry about in Australia is altitude sickness. At 2228m, Mt Kosciuszko (Australia’s highest mountain) is still too low for you to feel the effects.
What About Action Sports Insurance?
Travel insurance companies view a lot of outdoor activities as action or adventure sports. These can include bungee jumping, abseiling, kayaking, mountain biking and even fishing. Both amateurs and professionals can usually receive cover for these activities.
It’s a good idea to consider a sports travel insurance policy when you’re planning your trip as it can provide reimbursement or some form of cover for injuries or costs that result from any of the activities listed on the policy. You should note that a regular or basic travel insurance policy probably won’t reimburse you for costs that arise from sporting activities, so make sure the type of insurance you buy will cover you.
How Can You Lower Your Premium?
The easiest way to lower your travel insurance premium is by shopping around online before you purchase it. Comparing policies is the best way to make sure you’re getting the value for money you will want and need out of your insurance as well as knowing you’ll be covered for all of the activities you’re planning on doing. The difference between similar travel insurance products can be quite large, so compare online first.
If it comes to making a claim (which hopefully it doesn’t), the best way to ensure your claim is processed and valid is to provide as much paperwork as you can. The more proof you give an insurer, the more evidence they have to support your claim.
Enjoy yourself! As long as you’re aware of your surroundings and take practical steps to be safe, there’s no reason why you can’t have a great adventure.