Six tips to put your travel insurance to work

Are you making plans for your next overseas getaway? Wherever you’re headed, travel insurance is the number one item you should pack into your bag.

The benefits of securing travel insurance are too many to mention, and translate into peace of mind and financial protection from the unexpected – exactly what you need when you’re taking some time off to relax, unplug and explore.
So, how can you ensure that your travel cover is protecting you at all time? These helpful tips may help you avoid some of the most common mistakes…

About your pre-existing conditions

It’s always important to disclose all past and current medical conditions. If you don’t, and a medical issue interrupts your travels, the insurance provider may find a ‘direct or indirect’ connection with a health condition you have omitted, and decline your claim.

Anything can be relevant, including surgeries that you had when you were a kid or symptoms that haven’t reappeared for several years. It might be hard to remember your entire medical history, especially health problems that are well in the past, but keep in mind that we can help – by asking the right questions.

The detail counts

Have you got travel insurance booked for the right dates? Make sure you’ll be back home before the cover expires, and double-check the departure and arrival dates, being careful not to get confused with the different time zones. When selecting your cover period, we recommend using New Zealand time zone as a reference.

Ensure family emergencies are covered

Travel insurance usually covers trip cancellations that are due to family emergencies such as a non-travelling relative falling ill or worse. Once again, don’t forget to disclose any pre-existing medical conditions they might have, and read the small print carefully to work out what’s covered and what’s not.

If possible, don’t go your own way

Need medical treatment overseas? Unless it’s a matter of strict urgency, before you proceed, remember to discuss the ‘where’ and ‘when’ with your insurance provider or get in touch with us for guidance. Based on your circumstances, the insurer may decide that your condition is not an emergency, and recommend you to fly back and get treated in New Zealand.

What to do in case of theft

If you’re bringing valuable items with you, always keep an eye on them. Regardless of how safe you think your surroundings are, leaving property unattended may expose it to theft or loss. And if you were found to be careless or negligent, your claim may be rejected.

Plus, in any case involving stolen property, you must report the loss to the police within 24 hours. Timely police reports are a mandatory requirement for claiming on a travel insurance policy, and provide all necessary details that your insurance provider needs.

Let us help you

Travel insurance is no different from other types of cover: understanding the small print is very important. At Insure NZ, we offer travel cover through 1Cover Travel Insurance and personally recommend it. Of course, there are a number of insurance providers to choose from, and we invite you to explore your options and find the company the best suits you. If you’d like to discuss this further, don’t hesitate to contact us.

An Adviser Disclosure Statement is available free and upon request.

Travel Insurance – How do you choose?

I recently had a trip to Europe and being in the insurance profession, decided to look at options available for travel insurance.

Like all insurances, there are a number of companies to choose from and they all have slightly different cover options and wordings.

I decided that I would look at 1 Cover Travel Insurance as it looked cost effective and seem to cover what I needed it for. As I said to my wife, you do not know how good they are until you have a claim.

We were travelling to Europe and first flight was to Hong King via an Air NZ flight, which left at midnight. (We have 2 children, it was there first time on a plane and thought the late flight will mean they will be able to sleeep through the flight… we were hoping anyway). The children had fallen asleep (yay!!) when there was an announcement – the plane, was going back to Auckland as the pilot got sick. So after 5-6 hours in the air, we were in Auckland again, (where we started) kids did not want to get up and we had to hand back duty free and go back to check in.

The confusion and chaos when we arrived was crazy, we had no communication from Air NZ and did not know what was happenning and how we were going to get new flights to start our holiday. – my daughter was asleep on the bags, my son was being amazing but extremely tired, never mind us.

We were given a number to call Air NZ to rebook our flight… as you can imagine the lines were busy and 3 hours later nothing – they offered us accomodation at Sky City (back in the city) – at this stage we were at our wits end and so called 1 Cover and asked what our options were, they were friendly and gave us our options.

We made the call to book into the Novotel across the road, luckily they had a day room available. The kids and my wife went to bed, while I called Air NZ to rebook our flight. – Finally after 6 hours, we got a new flight booked that was leaving that night. We slept, had some food and then started the journey again.

Once we got back to NZ, I had kept all the relevant documents like they had said when I originally called and made the claim. 3 days later had confirmation of claim being approved and payment a few days after that. We were happy that we could choose where to stay and they paid for our food and drinks while we were delayed.

I would now use them all the time and am lucky enough to be on their affiliate program and offer travel cover through 1 Cover Travel Insurance – I am not a specialist in the area and still recommend that you find the company that suits you, but if you wish to have a look at cost and options for 1 Cover Travel Insurance, please click logo above or here