Travel InsuranceHave Medical and General Insurance to meet your needs!
Travel Insurance is just that! An insurance to cover you, when things go wrong. It is one of the important things that should be high on your to do list before you leave home. Travelling to different countries, the possibilities of something not going according to plan, are higher than usual. Do not see Travel Insurance as an optional extra! You could end up thousands of dollars out of pocket. Even a short trip should be covered. Travel Health Insurance really is an absolute must! Here in New Zealand, medical treatment for citizens is expensive.For tourists......... who are not eligible for a government subsidy..... it is much more expensive!
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What's the best Insurance cover for your trip?There are specially designed travel insurance policies that cover different types of travel.I offer World Nomad because I felt it had the best insurance cover including extreme sports.Whatever you choose....check the policy and be sure you are covered for all likely mishaps!1) Comprehensive Overseas 2) Domestic 3) Medical Only Cover 4) Annual Multi trip 5) Backpacker Cover this often includes adventure activity cover 6) Travel Cancellation 7) Medical Insurance including cover for pre existing health issues. 8) Medical repatriation to home country if injured, ill or in death. 9) Ski Insurance Your Insurance should cover 1) Personal baggage 2) Money and Travel documents 3) Trip Cancellation Fares 4) Loss of Deposits 5) Medical and other expenses 6) Rental vehicle excess ( this is the amount you have to pay , when the company insurance is paying an insurance claim for vehicle damage) 7) Strikes/Hi Jacking 8) Accident, death or permanent disability Checking your Policy - Read Well!Insurance policies are notoriously wordy and difficult to read. But you MUST read the small print.Check you are covered for what you expect to be covered for. Are there any snags? Just having paid your premium will not mean you have automatic cover of all these things. It must be there written into the in the policy. There are often exclusions such as natural disasters. Know what you are paying for! TIP - Make photocopies of all your documents including your
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