As travel restrictions are gradually being lifted worldwide, Australians are eager to explore new destinations. However, whether you're planning a ski trip to New Zealand, going on a cruise, or jetting off to Europe, it's crucial to think about packing travel insurance.
But with so many options available, how can you find the right policy for your needs? What key features and benefits should you look for, and which providers offer top-notch coverage? Without any delay, let's announce the crowned winners of this year. Additionally, we have compiled some expert tips to help you find the most suitable policy for your upcoming trip.
The policy offers unlimited coverage for emergencies, cancellations, and medical expenses with certain conditions, making it a highly competitive option for travellers looking for comprehensive coverage at a reasonable cost.
What sets World to Cover apart from its competitors is its coverage for 38 pre-existing medical conditions, including migraines and sleep apnea, as well as its inclusion of rental car access and up to two thousand dollars for overseas Dental treatments, subject to terms and conditions.
Moreover, the policy provides coverage for many amateur and outdoor sports activities, such as bungee jumping, at no extra cost, with these exceptional benefits. It's no surprise that World to Cover is the Clear Choice for the prestigious Travel Insurance Company of the Year award number two. Underwritten by Nip, the impressive Essentials policy offers a range of benefits that make it stand out.
These include unlimited coverage for medical expenses incurred overseas as well as up to two thousand five hundred dollars in emergency cancellation coverage and two thousand dollars for lost luggage and personal effects. When tested for a hypothetical 14-day family trip to Vietnam, the policy was deemed to provide exceptional value.
It's important to note that while there are certain limits that apply, The policy covers eligible expenses such as emergency cancellations, lost luggage, replacement passports, and travel documents, subject to terms and conditions. Number three covers more best International comprehensive coverage More's ultra-comprehensive policy stands out with its impressive benefits and coverage options.
The policy has been recognised for exceptional quality as well as exceptional quality annual multi-trip with generous coverage for a range of misadventures, including prey and on-trip covered cover. The policy offers up to twenty-five thousand dollars for lost or stolen luggage, unlimited coverage for overseas medical expenses, and special business trip benefits.
You can also customise your policy with optional extras like the cancellation extensions add-on to extend your coverage for those planning a holiday. Mores policy packs a punch at number four. Southern Cross travel insurance This single-trip comprehensive insurance policy is designed to cater to both solo and family travellers.
It boasts impressive standard features such as unlimited medical and evacuation coverage that are sure to please. If you want to enhance your coverage, you can opt to increase the cancellation limit to unlimited, but this will come with a higher premium.
Additionally, if you're travelling alone overseas for less than two days, you may be eligible for a cost-effective premium
that is less expensive than a meal, according to Southern Cross. However, it's worth noting that pre-existing conditions are not automatically covered, and you may need to undergo a medical assessment and pay an additional premium to have them included.
This policy also offers optional extras such as snow. Sports and motorcycle covers Number five, Fast Cover, offers a comprehensive travel insurance policy that comes with great medical benefits and COVID-19 coverage. The policy offers flexible options that allow customers to tailor their coverage according to their trip duration, region, and activities.
Additionally, there are several optional extras available, such as Cruise motorcycle adventure and rental vehicle access insurance. With the comprehensive policy, you get unlimited medical and cancellation coverage.
The policy also includes coverage for COVID-19 with unlimited medical coverage if you contract the virus during your trip and up to five thousand dollars for cancellation fees if you need to cancel a leg of your journey due to the virus. It's worth noting that certain supplement exclusions and conditions apply, so make sure to read the PDS carefully before signing up. Additionally, 43 pre-existing conditions are automatically included in the policy.