Cheap Travel Insurance Australia

If you’re considering buying cheap travel insurance, Australian insurance companies are definitely the way to go. These days, there are so many options for Australian holiday insurance plans, and each of them have their own advantages and disadvantages. Once you find the low-cost holiday insurance company that is right for you, consider scheduling a consultation with a representative in order to discuss your coverage options. Here is a basic guide to the different types of insurance:

1) Travel insurance

Overseas Single Trip – This plan offers comprehensive coverage for those interested in a one-time-only trip overseas, and is valid for 365 days after purchase. It is ideal for infrequent travelers interested in adding some extra protection to their holiday investment.

Domestic Single Trip – The domestic single trip plan is basically the same as the overseas plan, except it only covers trips taken within the country.

Medical Only Coverage – This plan is often the cheapest travel insurance available, and only covers incidents related to health, medicine, and rescue. It does not cover possessions, liability, or cancellations, and is good for those interested in a simple and basic package. It usually covers an unlimited amount of hospital expenses, so it is great method of budget travel insurance for travelers looking for peace of mind.

Annual Multi-Trip – This cheap annual travel insurance plan covers travelers on an unlimited number of trips within the next year, both domestic and abroad. The maximum trip length is 90 days, and families are often eligible for discount travel insurance deals.

Backpacker Coverage – Backpacker coverage generally focuses on health and wellness, as that is the primary issue facing those traveling on foot. However, it can also be extended to cover possessions and cancellations if desired.

2) Ski Insurance

Overseas Ski Cover – If you’re traveling abroad in order to go skiing, this plan will cover you in the event of piste closure, helicopter rescue, avalanche closure, and bad weather.

Australia Only Ski Cover – This is pretty much the same as the overseas plan, but it only applies to trips taken within Australia.

Annual Multi-Trip Ski Cover – This plan covers an unlimited amount of trips within a 365-day period. It’s a wonderful option for avid skiers!

3) Corporate Travel Insurance

These unique plans are designed to cover a whole team of employees. If your line of work requires your staff to travel quite frequently, corporate travel insurance may be the right choice for you. These plans cover employees and their families on work trips as well as holidays.

Getting The Best Out Of Your Travel Deals

The greatest secret to getting an affordable airfare or best travel discounts is to know your budget and what do you really want. Additionally, you should shop and compare deals until you run out of options and choose the best among them.

And importantly, always plan ahead. Nothing is too early when it comes to vacation planning. This will give you ample time to search and choose.

Whether you’re a business traveler or planning a family vacation, here are some travel tips to save you money and choose the best deal:

1. Buy your ticket directly. Travel agents usually charge between $15 and $35 per ticket.

2. Buy your ticket all at the same time instead of buying one at a time. Booking fee may be discounted.

3. Booking for a package tour could be a wise choice for some destinations.

4. When planning a more complex trip, a travel agent can save you more time and money.

5. Compare prices online for the best deal. There are websites that help travelers to shop and compare. Some also provide travel tips and guidelines.

6. Play the seasons. Some travel destinations are cheapest at certain times or season of the year. Booking for an off-peak season also would give you the best deal. 7. Be flexible with travel dates and times. Some airlines and hotels offer substantial discounts if you book one or two days earlier.

8. Smaller airlines often have lesser fees. Additionally, small airlines don’t necessarily mean smaller airplanes.

9. Alternative airport also could provide you with substantial discounts. Ask your travel agent about it.

10. Plan ahead. The earlier you book, the better deal you will have.

11. Buy trip insurance. Insurance will not only save your life but also could save you money. If you end up being sick in foreign country, your insurance back home might not cover it. Thus you might end up using your vacation budget on hospitalization.

12. Sign up for hotel and airline awards programs. Chain hotels usually have award programs; take advantage of it especially if you are a frequent business traveler. Finally, never stop bargaining, always explore the possibility of lower airfare, lower hotel rates. However, it is important to weigh and compare all options since not all cheap travel deals will give you the travel value you deserved. Travel will be more enjoyable if you get the most of your hard earn vacation budget.

Credit Crunched – Getting Cheap Travel Insurance on a Budget

As the economic downturn starts to bite, most people are looking to trim costs wherever they can. Of course, people still want to enjoy their holidays, but finding budget deals and cutting unnecessary holiday expenses has become more important then ever before. Naturally, this thrifty attitude extends to travel insurance.

It can seem like just another irritating expenditure, but comprehensive travel insurance is vital to keep you financially protected against unforeseen events. But there’s no reason to pay any more than you have to – if you want to get the best deal on cheap travel insurance this year, just follow these steps…

Don’t Skip It!

The easiest way to cut down on travel insurance costs would seem to be simple enough – don’t buy it in the first place. But that’s a potentially expensive gamble to take – cancellation costs, medical bills and the theft of valuables are very expensive mishaps if you are uninsured. If you know how to buy it on the cheap, travel insurance won’t add much to the cost of your holiday, and it could well save you a tidy sum if something goes wrong.

Avoid Travel Agents

Travel agents and tour operators will often try and throw in travel insurance as part of your holiday package. It may seem convenient just to say yes and to get it done in a single go, but be careful – buying from a travel agent is usually far more expensive than getting your holiday insurance from a specialist provider.

Shop Around

Securing a bargain with your travel insurance is just like buying anything else – the trick is to shop around to make sure you are getting the best deal. Luckily, this isn’t nearly as onerous as it used to be, as various price comparison sites can let you compare dozens of quotes in just a few minutes. Don’t stick with one insurer out of habit – just because they gave you a good deal on one kind of holiday doesn’t necessarily mean they can offer you the best deal on your next trip abroad. Make sure you check the market to be certain of getting the best deal on your holiday insurance.

Know What You Need

The more you pay for your travel insurance the more protection you get – very cheap travel insurance usually won’t cover expensive personal items or risky activities. If you are going abroad to lie on a beach and are taking nothing more valuable then some clothes and toiletries, the cover you need is very basic, and you should make sure you aren’t paying for unnecessary extras. Of course, if you are taking plenty of valuables with you, or are going to take part in some higher risk sports and activities, you need to be covered. Just make sure your travel insurance covers what you need, nothing more, nothing less.

Travel insurance has to be bought, but it doesn’t have to break the bank. Follow these tips and shop carefully for your cheap travel insurance, and you could be amazed at the amount you could save on your next trip abroad.