Best Travel Insurance For Families Australia

Best Travel Insurance For Families Australia – Reporters on the Advisor Australia editorial board base their research and opinions on objective, independent information gathering.

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Best Travel Insurance For Families Australia

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Travel is well and truly underway around the world, with Australians eager to cross our reopened border and head to other destinations.

In fact, data from the Australian Bureau of Statistics (ABS) shows that travel activity in December 2022 was at the same level as in February 2019, before the shutdowns and Covid restrictions, and continues at this pace for most of the year.

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In addition, a recent survey by industry safety provider Airservices Australia highlights the importance of Australians traveling: a third of respondents say flying is important to their sense of well-being. Airservices Australia CEO Jason Harfield said: “Lockdowns appear to be reversing a trend towards travel, with 35% of respondents expecting to fly more for holiday and leisure than they did before the pandemic. Less than 5% of the population expect to fly less .”

The key to peace of mind when continuing to travel is adequate insurance, and it is also important to find an insurance provider that does not only cover damages related to Covid-19, such as being diagnosed with Covid-19 while traveling or cancellations and delays due to Covid -19, but all other potential accidents that can go wrong abroad – if it is not a connecting flight, illness, cancellation of events, theft or lost luggage.

To help Australians find the best option to suit their needs, Advisor has surveyed the leading players to determine our selection of the best comprehensive travel insurance providers for those planning to travel overseas in 2023 and beyond.

Note: the list below represents a selection of our top category picks, chosen by Advisor Australia’s editors and journalists. The information provided is factual and is not intended to imply any recommendation, opinion or advice regarding any financial product. Not all products or suppliers on the market have been reviewed and the list below is not intended to be complete or a substitute for your own research or independent financial advice. For more information on how Advisor ranks and rates products, including how we identify our top category picks, please read the selection methodology below.

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Our ratings take into account rewards, fees, prices and other category-specific characteristics. All ratings are determined solely by our editors.

Despite the WHO declaring the pandemic over, Covid continues to disrupt our travel plans and compared to other policies, Travel Insurance Direct offers more comprehensive Covid-19 cover, including medical expenses and trip cancellation. In addition, approximately 43 medical conditions are covered automatically, but additional conditions are not considered.

Where the policy really stands out is its coverage of a wide range of 93 activities, with travelers able to add extra cover for some riskier activities, such as snow sports. In addition, there are more than 2,500 reviews on the product rating policy, with an average of 4.2 stars.

Yes, overseas medical expenses related to Covid-19 are included in the unlimited medical cover, as well as additional travel expenses up to $2,500.

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Allianz has several medical policies and, unlike many competitors, includes unlimited hospital and dental cover. The top policy also covers pre-existing medical conditions, but assessments are required and conditions must be met. Approximately 38 activities are included and listed in the PDS, and there is no age limit for coverage.

It is also possible to add specific limits (baggage, cancellation etc.) for a higher level of cover depending on the needs of the individual traveller.

Cancellations due to Covid-19 are covered if the cancellation is due to an authority-imposed border closure or because the policyholder must complete a quarantine due to Covid-19. Since this is less of an issue today, this area of ​​policy tends to be less important to travelers.

Bupa travel insurance is underwritten by Allianz, and its comprehensive travel insurance is almost identical to Allianz’s branded offering.

Img Global Medical Insurance Plan

With unlimited medical, hospital and dental cover, Bupa offers 24/7 emergency care with Australian-based doctors and nurses on hand. As with Allianz, credit card fraud is covered up to $5,000 and lost luggage up to $10,000 (sublimits apply). However, it is worth noting that Bupa has a lower product rating score – an average of 3.9 stars compared to Allianz’s 4.

Cancellations due to Covid-19 are covered if the cancellation is due to an authority-imposed border closure or because the policyholder must complete a quarantine. As this is less of an issue today, this policy area may not be as important to travelers.

InsureandGo is an ideal option for families, with 90 activities included and the option to add extras such as snow cover. Children are covered up to the age of 18 if they are traveling with parents or grandparents, and the maximum age for a policyholder is 100 – even if you are going on a cruise at the highest maximum age of 79.

The company’s comprehensive offering, known as Gold, has been awarded an average of 4 stars from more than 6,000 reviews.

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Yes, foreign medical expenses related to Covid-19 are covered, as are cancellations for policyholders and their travel companions

Insure4less offers policyholders cover for a wide range of activities – more than 120 are listed in the PDS – while additional high-risk sports can also be added. The comprehensive policy, known as Excel Plus, covers the medical costs of Covid-19, along with any additional costs needed to get you back to Australia early if necessary.

It also covers lost baggage up to $5,000 (sublimit applies), cancellations up to $7,500 per person, connecting flights up to $1,000 and personal liability up to $7.5 million – with the latter at the high end of . what is usually offered. Cover for existing medical conditions is subject to completion of an electronic questionnaire.

Usually. Medical expenses abroad related to covid-19 are covered, as well as extra expenses for you to return early due to covid if necessary. However, cancellations due to Covid are not covered.

Geoblue Health Insurance Plan

Cover-More travel insurance not only covers Covid-19 medical expenses abroad, but also provides $2,500 for additional related expenses. Lost luggage is also covered up to $15,000, as well as dependent children up to the age of 21 if they are financially dependent and not in full-time employment.

Travelers up to the age of 99 can travel on a Cover-More policy, but senior travelers must meet certain criteria.

Despite these standout features, what kept us from giving the Cover-More a higher score were its negative reviews: it received an average of 3.3 stars out of nearly 3,000 product reviews. (The advisor does not attach much importance to reviews if there are fewer than 100, and always considers that the reviews are likely to be negative).

From over 4,500 reviews on Product Review, 1Cover has received an average rating of 4.3 stars from consumers.

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The comprehensive policy covers more than 100 sports and activities, and includes the option to add additional packages for high-risk activities. The rest of the policy can also be customized,

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