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10 reasons why you should get travel insurance

June 17, 2020

You may have been planning your holiday for months. But even the most comprehensive planning can’t predict every unique circumstance that can arise. Our travel consultants agree that whether you are travelling for a week or a 30-day tour, protecting your trip with international travel insurance is absolutely essential. If you need further advice or assistance don’t hesitate to contact us ask our travel specialists. Here is a list of 10 reasons why you should get travel insurance.

1. Medical Emergency support

Not all Australian health insurance policies cover hospital and medical costs when travelling overseas. An International Travel Insurance policy can cover unexpected eventualities, from a simple cut to a broken arm. So you can travel with ease, knowing that you will be taken care of.

2. Dental Emergencies

Dental issues can be a nightmare, and no one wants to experience this while being on a holiday. Let us be honest, even a chipped tooth can ruin your trip. Travel Insurance will cover the costs of fixing this small but annoying situation and let you continue on!

3. Remote areas coverage

Our tailor-made experiences may include hiking volcanoes in Ecuador or Chile, trekking in the Amazon jungle, surfing in Costa Rica‘s best beaches or walking a lateral moraine of the old Pia Glacier in Patagonia. You will feel more confident to enjoy these adventures when you knowing that if anything happens you will get the best help available. Travel insurance offers medical evacuation plans to fly you back to civilisation. As we always recommend, don’t forget to read the terms and conditions of the coverage.

4. Reclaim cancelled or rescheduled flights

Our 40 years of experience tell us that this is one of the biggest reasons travellers buy travel insurance. Cancelled or rescheduled flights can wreck even the most carefully made itinerary and most of the airlines will do their best to avoid a refund. Whereas there was a strike, a storm or a technical issue, protecting your flight with cancellation coverage will avoid being left out of pocket.

5. Plus, if you have Frequent Flyer Points…

If you are a frequent flyer you’ve probably redeemed your points to pay your flights or accommodation. A few Australian insurers have agreed to cover the value of your rewards points used for the purchase. This will keep your well-earned points protected in an event of a cancelled flight. If you are using redeeming points from an airline loyalty plan, first make sure to check with them first the policy surrounding cancelling flights.

6. Sleep comfortably

If your flight is rescheduled for the next day, travel insurance covers for stress-free stays until you can take your flight. Believe us when we say that you don’t want to sleep on the hard, uncomfortable, cold floor at the airport. Depending on your travel insurance cover, you may be eligible to claim back accommodation expenses.

7. Replacing stolen or lost luggage

There is nothing more annoying than standing at the baggage reclaim area and see everyone picking up their luggage. Everyone, except you. A well-known feature of travel insurance is protecting your luggage and personal effects. If your luggage is delayed for a certain period of time (again, always read the small print) and you need to buy clothes or food, the travel insurance will reimburse these expenses. It might not be able to recover your losses but at least you won’t be out of pocket for the new items. Travel insurance does not only compensate for lost clothes and gadgets but also in case of losing your passport and other travel documents.

8. Stress-free car rental

Driving around Carretera Austral is the best way to explore Patagonia. Doing it with the confidence that you will be covered for any eventuality is the best way to enjoy it. Rental car companies will always include some level of insurance (it’s important to know what you are covered for, so read the fine print). So, if you’re already paying to the rental car company, what extra benefit can you get from travel insurance? If your car is involved in an accident, damaged, or stolen you could be eligible to cover the cost of the rental car excess which can cost you thousands of dollars. Adding-on coverage for car rental to your travel insurance will ensure that you won’t have to pay all the cost of repairs and additional rental charges imposed by the car rental company.

9. Having peace of mind for personal liability

If you are involved in an accident and are found legally responsible for someone else’s personal injury, travel insurance can provide legal assistance and help you deal with unforeseen eventualities that can transform your dream holiday into a complete nightmare.

10. Everyone is covered

Whether you are travelling with your partner, friends or family you want them to be protected as well. Travel insurance may offer discounts if you’re travelling in a group with the same level of cover. Some covers feature higher benefit limits and if you are travelling with children you might be able to cover up at no additional cost.

Travel with a sense of safety is the best way to enjoy a trip. Travel insurance will cover unexpected situations and expenses. Always remember to READ THE SMALL PRINT!

For everything else before, during and after your trip, Contours Travel takes the worry out for you. We can’t promise you there won’t be unforeseen eventualities. But, we can assure you that we will help you get them out of the way. Our mission is to help you have a once-in-a-lifetime experience in Latin America or Antarctica. Call us today to tailor your trip and sort out travel insurance.