So what’s this big risk?

Go to any travel agent, in any town in Australia and they will offer you their own preferred travel insurance policy.

Unfortunately, without exception, these polices only cover permanent residents of Australia. You could be living in Australia on a temporary work visa; a 457 visa; a student visa; a business visa; or even a fiancée / de facto / spouse visa.

So if you are a non-permanent resident, even someone who is planning to live here for the rest of your life, but your visa hasn’t been approved yet, who wants to travel overseas, you’ll have to do so without travel insurance! Just take a look at smartraveller, the Government travel advice website, to see some of the huge costs that Australians have incurred whilst travelling overseas. Many of the cases are from travellers who did not have travel insurance. On occasions people have lost their houses to pay for their medical expenses or air evacuation.

insure4less, one of Australia’s leading online travel insurance specialists, has come to the rescue and has developed a travel insurance policy that will remove this risk. So long as the people buying the insurance have been living in Australia for the past 3 months, and are under 61 years of age, they can buy online travel insurance through the insure4less website.

When you come to www.insure4less.com.au, take the time to look around the web site before doing anything else. You will see that we issue your travel policy online instantly, with no waiting. Take note of the fact that insure4less travel insurance policy is insured at Lloyd’s of London, which is the biggest name in the insurance business. The team at insure4less has arranged travel insurance policies for more than two million travellers, so we are not exactly new at this business! We know what our customers want – good insurance at an ever better price, and we strive to give them just that.

If you should have to file a claim, rest assured that it is guaranteed to be paid in just ten working days, as long as it is a valid claim. Check out what we have to offer on our web site any time of the day or night, in the convenience of your home, and we think you will agree that insure4less has very competitive rates that will fit your budget. Get a quote today, and you could have an international travel insurance policy in hand a few minutes after you’ve got a quote.

Instead, many students spend this time bemoaning the fact that they neglected to take out travel insurance before their gap year started. They find themselves in a financial bind because of their lack of insurance coverage. That’s why we at insure4less.com.au want to get the word out to young Australians about what can happen to you if you fail to purchase travel insurance for students which some people have given the nickname “Peace of mind”.

Student travel insurance from insure4less is peace of mind, both for students and their families back home. There are quite a few uncertainties out there in the world that you can come across as you are travelling. If you are going abroad for your gap year, you will be a long way from home, and any financial help that your parents could offer you. You might think that you wouldn’t run into trouble that would be very expensive, but you’d be surprised at how much things can cost abroad, especially medical bills.

Let’s say you have an accident whilst in Europe, and break a leg. Or, you experience appendicitis or a gall bladder attack, and have to have surgery. Maybe you wake up one morning with an abscessed tooth. A medical procedure as simple as breaking a leg can be horribly expensive, and as far as routine surgery like an appendectomy, even more expensive. Dental procedures will also be more expensive than you are used to. Don’t go abroad unprepared! A travel insurance policy from insure4less will pay towards your medical bills and dental bills, including getting you back home again if you are too ill to travel the regular way. Travel, work, or study with no worries about any emergency medical expenses you might encounter.

Many times, students taking time out for a gap year enjoy various sports while travelling overeas. The potential for breaking bones and other injuries has always been higher than normal with some sports and activities. Student travel insurance with insure4less.com.au covers over 150 different adventure sports including bungee jumping, scuba diving and other sports normally considered dangerous.

It goes without saying that the small price you would pay for a student travel insurance policy from insure4less has the potential to save you a small fortune if you were to get sick or have an accident. But that’s not all a policy from insure4less can do. Our travel insurance also can protect you if you should lose your baggage, or have it stolen. Student insurance for your gap year is well thought out as far as what it covers.

Cheap student travel insurance is something all students who are planning their gap year should consider in order to protect their resources – and perhaps their lives, too!

You aren’t alone. Even though the importance of taking out travel insurance before leaving on a backpacking trip has been stressed in print and by word of mouth as well as in various backpacking forums online, there are still some people who just don’t think they really need this type of protection.

It shouldn’t really be a question of money, as we have made it a priority here at insure4less to develop a travel insurance for backpackers that is extremely budget friendly. So, the main reason must be that these travellers just don’t realise the things that travel insurance can do for them, and what a serious dilemma they could find themselves in if they got involved in an accident or another awkward situation while on their backpacking trip without the protection of insurance coverage.

No one wants to even think about getting so ill that they have to be hospitalised while they are far away from home. Still, these things do happen. People often fall ill when travelling, and there’s a chance you could, too. There’s also the chance of being involved in an accident with a car or other motorised vehicle. Either you could hit something or someone while driving, or someone hits the car you are in and injures you. Either way, you will be taken to a hospital to assess your injuries.

Do you realise how much admission and treatment to a hospital in a foreign country could cost? What if you were too ill to continue your trip and needed to go home? Or, what if you accidentally damaged the hostel you’re staying in, and you are being asked for the name of your lawyer? Chances are, if you are a young person off on a backpacking adventure, that you don’t even have a personal lawyer!

When a traveller is not covered by travel insurance, such personal disasters are often made worse by a long-term financial burden. Staying in hospital plus the costs of any operation and aftercare treatment and being flown home once medically fit can be incredibly expensive. Just one night is a hospital in Southeast Asia can be as much as $1,000; a medical repatriation from the States can cost as much as $300,000. The Department of Foreign Affairs has even been involved in medical evacuations from nearby Bali in which costs have exceeded $60,000.

insure4less has got you covered! Buy any one of our 3 travel insurance policies, Essentials, Excel or Excel Plus and you are covered for personal liability expenses as well as for emergency medical and dental treatment. What’s more, there’s even cover for extra hotel and travel costs, if you miss a connecting flight due to a transport delay at any point in your pre-booked itinerary.

Don’t get caught unprepared while you are on your backpacking trip! For complete peace-of-mind, backpackers travel insurance is a no brainer.

There’s no need to waste time phoning travel agents for prices. All you need to do is a little searching for online travel insurance on the internet and you’ll then be able to compare cover and prices in the comfort of your own home or office.

What should you look out for? Any travel insurance supplier worth their salt will provide a 24/7 emergency service and will be underwritten by a licensed insurer with a high rating such as Lloyd’s of London.

Just what does worldwide travel insurance normally cover?

• Cancellation costs if you are taken ill before you’re due to travel
• Curtailment costs if you have to return to Australia because a close relative is taken ill or dies
• Medical expenses including repatriation to Australia
• Extra travel and accommodation costs if you are delayed as a result of missed departure or connection
• Cover for loss, theft or damage to luggage
• Personal Liability in case you damage the property you’re staying in or accidentally injure someone

You can get a quick travel insurance quote at most travel insurance web sites if you are looking to compare international travel insurance costs. Do notice that when you get to the section on the form that asks you which area you will be travelling to, take care to put in your correct area of travel. Most companies will give you an explanation of how they categorise their travel areas with a link. It is important that your travel insurance certificate reflects the countries you are travelling to or you may not be covered.

It is a good idea to make sure that you understand all the details, both large and small, of the policy you purchase. Check to see if the company you are considering has their Product Disclosure Statement online, so that you can read the “fine print” before you buy. Purchasing your world wide travel insurance from a reputable company should save you money, time, and perhaps even your holiday.

How can this be? What does waiting to purchase travel insurance have to do with cancelling your holiday or business trip? It all has to do with one of the benefits of travel insurance. Let’s say you have plans to go on holiday. You have your plane tickets and have booked a hotel room at your destination. You’ve purchased new luggage and some new clothing and you just can’t wait to go on holiday – its been so long since you were able to get away!

But… what if something happened to you before you went on holiday? You may become ill or injured, or possibly someone in your immediate family could pass away. Any of these reasons could cause you to cancel your long-planned holiday. Here’s where travel insurance would come in very handy. Most travel insurance policies, such as those from insure4less have a type of travel cancellation insurance that would take care of the expenses incurred as a result of having to cancel your holiday. Buying travel insurance before the last minute would avoid the risk of this happening and leaving you out of pocket.

Life is not a given. We never know what is going to happen to us or to members of our family from one day to the next. Anything could come up suddenly that could cause a holiday’s unexpected, yet forced cancellation. By putting off buying your travel insurance until the last minute, you are making yourself vulnerable to losing not only your holiday but also the money you have already spent. That’s why you should take the time to check out insure4less.com.au for the best rates and travel insurance for Australians.

People are often busy before going on holiday and can panic when they realise how little time they have left to tie up loose ends before their trip. This can result in them rushing around and buying the first travel insurance policy that they come across. They may be happy that they have managed to grab a travel insurance policy at the last minute but what if something does go wrong and the insurance they have bought does not give them the cover that they were expecting?

Imagine a parent discovering that the policy they bought at the last minute and entrusted to take care of their family’s needs while on holiday, ends up turning them down for medical coverage because their child’s asthma was considered to be a pre-existing condition by their insurance company. Taking time to shop around and compare policies like the ones provided by companies like insure4less could have saved them a great deal of worry and money. Insure4less provides a list of pre-existing medical conditions which clearly shows what they do cover and asthma is one of them!

It is surprising how many people buy an insurance policy that is not right for them or their situation. Research shows that around 63% of people who are planning a holiday do not bother to take out a travel insurance policy until the last minute. They are not then covered for any of the bad luck that could occur in the run up to their trip which could end up with them having to cancel. Leaving it until the last minute and buying insurance in a rush can often mean they don’t allow themselves time to make sure they read the fine print and are therefore getting the right coverage! Many people who don’t read the fine print before buying their policy can end up very sorry afterwards however, insure4less have their Product Disclosure right on their website, so that anyone can examine it closely before deciding whether or not to buy the travel insurance policy.

Some people think it is perfectly fine to travel with no insurance at all and do not realise what a huge risk they are taking! If, for example, they were involved in a car accident, what would they do? Without travel insurance coverage, they could very well end up having to pay out an enormous sum of money for medical and other expenses.

If you want to make sure you are covered for your holiday before and during your trip, you should purchase your travel insurance as soon as you have put a deposit down on your flight or accommodation. And, if you are looking for a travel insurance company that has cut out the commission that the travel agent usually gets, and the travellers pay for, check out insure4less! They have a selection of policies to suit almost all needs and budgets.

Student travel insurance has become pretty much a necessity in today’s world, just like many other types of insurance. But students seem to be a bit more vulnerable. It has been noted that so many of them seem to be naïve still, and rather trusting of people. When a student is far away from his or her home, sometimes this fact is all too clear, and people take advantage of the situation. The case for student travel insurance is painfully obvious in this instance. Students are vulnerable when the unexpected occurs, and need the backup of travel insurance in order to protect themselves and their health.

What would a student do when disaster strikes and their luggage is lost or stolen, their travel is delayed, their trip is cancelled, they become ill suddenly or are injured while away from home? How would they handle the situation if a close relative became seriously ill or even died while they were far away from home? In situations such as this, travel insurance can come in very handy. In fact, it can be a virtual lifesaver! The case for travel insurance is a strong case indeed when trouble is brewing.

Students should definitely purchase travel insurance before they leave for overseas studies. They don’t realize, and perhaps their parents don’t either, how financially ruinous it could be if something happens while they are abroad and become sick. They probably do not realize that when you are in a foreign country and must visit a doctor or a hospital, most medical services you receive must be paid for in full at the time you receive it. The case for student travel insurance cannot be argued in this instance. Any money that is spent on doctors or hospitals will be reimbursed to you when you have had the foresight to take out travel insurance before your trip.

What if a student is all packed and ready to embark on his trip abroad and the unthinkable happens, and he’s taken ill and can’t travel? Would you be able to get a refund from the airlines of the money you have spent for the plane ticket? Of course not! The case for student travel insurance has never been stronger than in this situation. Travel insurance would reimburse you for the cost of your ticket. Student travel insurance just makes good sense for any student who is travelling.

What can having travel medical insurance when you are abroad do for you? If you get sick and have a medical emergency while you are on holiday, subject to the policy terms and conditions, travel medical insurance will reimburse you for any money that you spend on medical expenses up to a preset amount, and will pay for a friend or relative to fly in and accompany you home if you are too sick to travel alone. The policy would also pay in the event that you have to make an emergency evacuation, and if you should die while on holiday, travel medical insurance will pay up to a preset amount to send your remains back to your home. Ambulance expenses and all hospital costs are also paid by medical insurance whilst overseas.

All travel insurance policies are not alike, and will reimburse the policy holder different amounts. If you are thinking that you might have need of travel medical insurance, you should definitely take the time to do some research online and find a company who offers a travel insurance policy that contains the coverage you are seeking. You will be able to compare quotes and choose the policy that is the most cost effective for you.

There are two main types of travel medical insurance that you can use whilst overseas. One is often called standard travel medical insurance, and the other is called annual multi-trip travel medical insurance. Standard travel medical insurance is for people who are planning on taking a one off holiday or journey. Annual multi-trip travel medical insurance is for people who are planning to travel more than once during a one year period.

Medical costs are skyrocketing all over the world. If you should become ill while travelling, you could be looking at a huge medical bill unless you have prepared ahead of time and have overseas medical insurance away from home.

Medical insurance away from home will give you peace of mind while you are travelling. It is well worth the small amount it costs to get a policy started!

What’s so special about domestic travel insurance? In this day and age of adventurous travel, we should consider travel insurance a necessity. So many people see holiday time as a chance to experience activities that other more cautious people would consider a bit risky. Even the wary people of the world can have bad luck while travelling. Your trip could be delayed because of bad weather at your destination. Your baggage could become lost or get stolen. Someone may even sue you if you have accidentally damaged their property

Domestic travel insurance policies cover all of these instances, and more. Each individual company who issues travel insurance policies lists everything that is covered on the paperwork, which you should read before you pay the premium. Remember, all policies are not the same! Read your policy carefully, for if something is not listed, it generally is not covered. You can sometimes upgrade your domestic travel insurance policy so that you have more cover for your valuables, and can also purchase either a standard policy or an annual multi-trip policy.

What is the difference in these two types of domestic travel insurance? The single trip policy covers a one off trip.

The annual multi-trip policy is pretty self-explanatory. This type of policy will cover you on all holidays you take during a twelve month period. Do you plan on taking several holidays this year? The multi-trip option may be most cost effective for you. If you are only going to have one holiday trip, then you should stick with standard domestic travel insurance to help you save some money.

Domestic travel insurance can save you a lot of worry. Travel can be stressful, and there are no guarantees that everything is going to move like clockwork during your holiday. With the proper insurance, you can relax and enjoy your holiday. The prices for travel policies are very reasonable, considering all the benefits they offer if something happens during your trip and you have need of compensation. Domestic travel insurance is an option all Australians travelling in Australia should consider.

There is a growing number of Insurers offering multi trip insurance but they don’t necessarily make the strict policy conditions clear to the buyer. For example, you would normally have to be based in Australia and make trips of up to a specific number of days (often 31 days) to take advantage of these policies.

However, there are many travellers, especially in the younger age bracket, looking for cheap backpackers’ insurance. They see a cheap travel insurance quote for an annual insurance policy and buy it without reading the small print carefully, thinking it will be exactly what they need. If these travellers are going to be overseas for a year, they are often attracted by the word “annual travel insurance” as well as “multi-trip” as they will be making a number of different trips throughout the year. But, the annual multi-trip policy is not suitable as they are designed and priced to only cover trips of up to 31 days (depending on the Insurer) from and within Australia.

An annual multi trip travel insurance policy can save the traveller quite a bit of money in the long run. Trip cancellation, baggage loss, personal liability plus other miscellaneous coverage can all be taken care of by this type of insurance. This sounds like a good thing, and indeed it is if your trip does not take you out of Australia for more than a limited period. However, most backpackers who intend to leave the country on their trip merely see that this policy offers no limit on the number of trips they can take per year, and blithely purchase it. It is only when they need to make use of the policy and are in perhaps Greece that they discover that their insurance will not take care of their medical needs. This is not a good feeling!

Backpackers need to search out a policy that has been specifically created with their kind of travel in mind. They need the reassurance of a 24/7 telephone helpline for any overseas medical needs that may develop, coverage for a wide range of sports or adventure activities that they may participate in during their trip, and the peace of mind that comes with the knowledge that they will have coverage on their non-manual job if they are taking a working holiday. Cover for terrorism will also help the traveller to sleep well at night!

Anyone who has yet to purchase an annual multi trip travel insurance policy would be wise to read the policy carefully before buying, and then take advantage of the company’s money back guarantee which most will offer you during the first 7 to 14 days of cover.

The last thing you want when you are taken ill and laying in hospital is a dispute about whether or not you bought the right policy. If you’re in any doubt about exactly what your annual multi trip insurance will cover, contact your travel insurance broker for clarification.

Student’s travel insurance can provide you with a healthy dose of confidence as you go about your travels. You won’t worry about sudden changes that could ruin your trip when you have insurance coverage that will take care of any unexpected emergencies. You could even consider the low cost of student’s travel insurance as an investment, for if you run into problems, accidents, or illnesses on your trip, the insurance will save you money that you otherwise would have lost.

What circumstances does student’s travel insurance cover?

• Let’s say your trip is cancelled, interrupted or delayed due to certain circumstances such as a death in the family. A travel insurance plan will reimburse you for the money you have spent on transportation, lodging, and other travel costs.

• Suppose your luggage or other personal items are lost, stolen, or damaged. Maybe your baggage was delayed on the plane or bus. Student’s travel insurance will reimburse you up to a set amount determined by the policy you choose. Sometimes you made need to pay a little more for an upgrade and get coverage for your cell phone, camera, or laptop computer.

• What if you get sick or injured while you are away from home? Student’s travel insurance will pay for your medical expenses if you need care during your trip. And, if you should happen to die while travelling, your remains will be sent back to where you live at no cost to your family.

• Most student’s travel insurance also includes monetary provisions for your accidental death or the loss of a limb or your sight.

You must purchase a student’s travel insurance policy before you leave for your trip. Each individual insurance provider has their own time period requirement, but generally, purchasing two weeks in advance is advised. You will be surprised at how reasonably priced student’s travel insurance can be. If you are planning to travel extensively, you can generally receive coverage for up to 42 days on one trip. Or, perhaps you are planning to study abroad. You’ll be glad to know that your student coverage will be extended for up to 2 years while you are at school.

The cost of student’s travel insurance is a small price to pay for the peace of mind that comes from knowing that no matter what happens you will be taken care of. Do some comparison shopping before settling on an insurance company to buy your policy from in order to see what the coverage is for each. Student’s travel insurance is a travel necessity. Don’t leave home without it!