A travel insurance specialist in Australia has revealed how you can ensure that your vacation insurance is under control so that you can enjoy a drama-free vacation.
According to Jonathan Etkind of InsureandGopeople assume that their standard policies cover everything – and are then shocked when their claims are rejected.
He said common mistakes that people make when buying insurance do not require extra coverage for expensive items or assume that their insurer pays the bill for self-harm.
Mr. Etkind has outlined seven things to take into account when it comes to taking out travel insurance – and how you can protect yourself when you are away.
If you have expensive items such as laptops or cameras, make sure you always have them with you when traveling (stock image)
1. Never leave your belongings unattended
If you travel with valuables, make sure they are always with you, or you have taken precautions to lock them in a hotel safe.
Mr. Etkind explained that insurers do not honor a claim if items are stolen or missing if they are left unattended in public places.
These include airports or hotel rooms after you have checked out.
& # 39; As long as you have your things with you, or are locked in a safe in your accommodation, you can be reimbursed according to your policy for items lost, stolen or damaged during your trip, & # 39; he said.
He said that insurers will also deny a claim if you have left your belongings with someone who does not travel more than 50 percent of your journey with you.
2. Have all your receipts and travel details to hand
A simple way to avoid problems with travel insurance when you make a claim is to ensure that you keep all receipts, travel routes and travel contacts.
& # 39; The most important thing is to make sure you keep a copy of everything that will confirm that your lost, stolen or damaged belongings are yours & # 39 ;, said Mr. Etkind.
If you need to file a claim, your insurer will ask for proof of purchase, although you can probably provide it as soon as you get home.
3. Do not assume that expensive items are covered automatically
Items such as telephones, laptops, cameras & jewelry are not automatically covered by your insurer.
Mr. Etkind said that these items are often excluded from standard or basic travel insurance policies or that coverage is limited to just a few hundred dollars.
& # 39; However, each insurer has a maximum benefit or limit that they will pay for high value items, and some have the option to adjust the sub limit for each individual item, & # 39; he said.
Mr Etkind said that if you travel with something extremely valuable, it is better to insure this under a separate policy.
A simple way to avoid travel insurance issues when you make a claim is to ensure that you keep all receipts for expenses, as well as travel routes and travel contacts (stock image)
How can you easily retrieve your IMEI number?
The IMEI number is in the phone's battery compartment.
It can also be displayed on most screen phones by entering * # 06 # on the keypad.
After entering the number, press Call or Send as if you were calling.
Your IMEI number is retrieved and displayed on your screen
4. Keep the details of your mobile phone separate from your phone
If you lose your cell phone or are stolen, you must be able to provide an IMEI (Mobile Equipment Identity) number.
This is a unique number of 15 – 17 digits that is found in the settings of mobile devices and is used to identify them.
& # 39; You must also provide proof that you have blocked this number by an Australian telecommunications provider to be eligible for a claim & # 39 ;, said Mr. Etkind.
Blocking prevents your device from being used, preventing misuse and minimizing call costs for you if it is used by another user.
Do not automatically assume that you are insured during your trip for all injuries of your insurer
5. Most self-injuries are not covered
If, while traveling, you injure yourself or get an illness due to risky activities, it is possible that your insurer will not cover the costs.
& # 39; Generally, reckless activities will not be covered by your travel insurer, & # 39; said Mr. Etkind.
& # 39; Similarly, if you ignore the official advice from the Ministry of Foreign Affairs and Trade's Smartraveller website (DFAT) and experience an incident, your claim may be invalid. & # 39;
For example, if you had a tropical disease because you did not receive the recommended vaccinations, your claim for medical services may be denied.
6. Read the fine print on cancellation requests
You cannot claim cancellation due to the illness of a close relative or friend, and your claim may also be rejected if the person was aware of an existing medical condition when you purchased your policy.
However, if the person was not sick before you purchased your policy, you may be able to file a cancellation claim.
& # 39; It is also important to note that some providers may not offer coverage to close family members who are not Australian residents, who are present in Australia at the time the disease occurs, & # 39; said Etkind.
7. Travel delay coverage only applies to flights
One thing to watch out for when taking out standard insurance policies is coverage for travel delays.
Mr. Etkind said that standard insurance only covers flight delays, not delays in other forms of transportation.
& # 39; The reimbursable costs related to flight delays include accommodation and meals that you had to pay as a result of the delay, & # 39; he said.
The expert said that those planning to take a cruise should be aware that there is a specific type of coverage for this mode of transportation.
& InsureandGo allows cruisers to take out a tailor-made cruise insurance that covers them for possible delays during their journey, he said.
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