How to choose a policy

So how to choose?

Travel insurance policies have a wide variety of conditions, exclusions, and levels of cover so before you choose Travel Insurance Direct ask yourself the following:

1. What type of insurance do you need?

A backpacker going overseas for a year or more has very different insurance needs from a family holiday to Italy for 3 weeks where you need a much more comprehensive package of benefits such as cancellation and delay cover.

Check out our Easy Guide for more information on the sections of a policy to find out what suits you and always read the policy wording carefully.

2. Where are you going?

Medical and legal costs as well as the quality of medical services, can vary widely between countries with the USA, Canada and japan typically being the most expensive. If you required emergency medical evacuation what would the likely costs be?

3. How old are you?

Older travellers simply may pay more and you might be required to complete a medical report for certain pre-existing conditions (but they do get cheaper car insurance). Travel Insurance Direct can cover people less than age 81 at the time of departure.

4. Do you have any existing medical conditions?

Pre-existing medical conditions are usually defined as any medical or dental condition for which you've received treatment or advice within a specified time prior to the policy being issued. Some minor medical conditions are often covered free of charge but other more serious conditions may be covered but you probably have to apply and pay additional premium. If you are pregnant, cover is limited to less than 26 weeks into the pregnancy.

5. What will you be doing while you are away?

Will you be taking a laptop or expensive camera or will you be travelling light? Will you be skiing, canyoning or bungy-jumping? Almost all policies exclude mountaineering using ropes and professional sports. Check the Combined Financial Services Guide and Product Disclosure Statement (including Policy Wording) in detail if your trip is 'unconventional' and always ask before you buy if you still aren't sure.