What Type of Travel Insurance Do You Need?

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Like other types of insurance, there are a variety of travel insurance products that you can choose from, including:

Student Travel Insurance

Undoubtedly, travel is expensive, especially for students. If you are a student, you plan to save for the trip. Although difficult, you can achieve your goal. Once you've reached that goal, you're ready to pack your suitcase and enjoy your destination. But things can go awry, and all the money you put into your upcoming adventure can quickly disappear. For example, you get injured. If you need it, all that savings can go to your hospital bills and maybe therapy.

If you are over 16 and working and studying, we recommend that you take out insurance. Your travel insurance can cover the unfortunate events that you may or may not be prepared for.

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Group Travel Insurance

If you get travel insurance for everyone, traveling with the group can save you a ton of money. You can even get a discount if you insure with more people who will be with you throughout the trip. In addition, you can save a lot of time with just one policy instead of going to the insurer individually.

This particular type of travel insurance offers the same level of coverage for all members of your group. Therefore, it is important for everyone to read the Product Disclosure Statement (PDS). This document will tell your group about the limitations and exclusions as well as the inclusion of an insurance policy.

Elderly travel insurance

Insurers in the country often accept older clients, who are up to 100 years old. This process may vary from one insurer to another, but it usually assesses eligibility based on pre-existing medical conditions.

This assessment will help the insurer determine whether a senior citizen can be insured under a particular insurance product. In the case of travel insurance, they usually check for pre-existing illnesses, which can mean additional costs. However, some insurers do not raise prices, primarily if they meet the elderly.

When comparing policies, make sure you check the requirements of the travel insurance product you want to purchase. Some insurance policies make it clear that older people, such as those over 65, with heart disease and other illnesses, will not be accepted. But that doesn't mean you can't buy insurance for the elderly. Make sure you don't fly without insurance, especially outside the country, if you are elderly. Travel with confidence and understanding of what you are covering.

Again, check the Product Disclosure Statement to find out what you can't include in the policy.

Family Travel Insurance

Just like with group travel, Family Cover protects everyone who travels with you. This is a great way to protect your loved ones without paying the insurance cover separately. Most of the time, family insurance offers more limits when it comes to benefits. This is because there is more than one person in a policy.

Many insurers will accept up to three children who will travel with two adults at no extra cost. This is definitely a great deal!

Annual travel cover

If you travel a lot, you should take advantage of the annual travel insurance cover. This insurance product is also called multi-trip insurance. It is designed for people who often board airplanes, either for business or leisure.

With annual coverage, you get more value than single trip coverage. It's also easy to set up a new policy every time you need to go abroad. Many policies today impose a maximum duration for each trip. This means you will only be covered on a pre-agreed period, which can range from 20 to 90 days.

In many cases, the contract stipulates that you must return home before the expiration date. Otherwise, you will lose coverage. It is therefore important to note the maximum duration so that you maintain the cover for the rest of your journey.

However, the annual cover cannot cover your work-related losses. For example, if you travel to conferences frequently, you will not have stolen or lost luggage, such as your documents, covered. In that case, you should take an ad online that specifically covers business or work-related losses. All restrictions and limits will be in the PDS document.


Are you planning to travel in the winter? You may want to go snowboarding or skiing. Many insurers do not automatically cover these activities, so you need an extra level of cover. You may need ski insurance. In some cases, this cover is available as an additional option in your current policy. However, in some cases you may need this as an individual policy. Make sure you're covered for the winter sport you plan to enjoy before hitting the slopes.

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Another type of insurance you may need That's cruise insurance. As the name suggests, this is the policy you are on. Ask if you are going on a cruise. It will cover a wide range of scenarios, such as cruise (or even flight) delays and cancellations. Some policies offer additional coverage for activities, including jet skiing and snorkeling. Like ski insurance, you may have to take a cruise cover on your existing policy. If it is not included in your travel policy, it may also come as a separate cover.