Here at Mosaic, as well as planning your trip, we can help to make it as smooth as possible with solutions to some frequently asked questions.

So far we have covered how to access your money, and using your mobile phone abroad.

Now, it’s time for:

3. Tips for choosing Travel Insurance

Ahh travel insurance: the thing that we all know we should have, but don’t really want to pay for! I’d definitely never advise to travel without it.

How much cover do I really need? Doesn’t my credit card offer it for free? What’s the difference between all these options and companies?

I’m going to try to shed some light on the top things to look for, when choosing an insurance policy.

Benefits

-Not all policies are equal here. Yes, most these days offer unlimited medical assistance but, does it cover you for medical evacuation?

-“Additional expenses” is a tricky one. Most insurance policies will cover the person who may be ill in hospital, but check to see if the travelling partner will be covered for re-arranging their plans to look after them.

-Will you be covered if you need to come home to a sick, elderly relative?

What is the excess?

-A policy with $1000 excess will be cheaper than a policy with a nil excess. An “excess” is the amount you need to pay before the insurance policy awards your claim.

Have you checked there is enough cover for all your personal items?

-Laptop, camera, jewellery etc

Does the policy cover you for the activities you’ll be doing?

-Skiing, cruising, car and scooter hire etc

Assistance

-Is there a 24/7 emergency number to call?

-Does the insurer make payments directly to hospitals

-Is there anyone who can assist you in submitting claims? If your Travel Insurance has been booked through Mosaic Travel – we will assist you! There’s no need to worry if a problem arises.

Credit Card

-Is there a minimum $$ on the credit card before the insurance is valid?

-Do I have a policy number and a phone number to call in an emergency?

There’s a lot to consider!

The best travel insurance policy for you will depend on your age, where you’re going, for how long, and what sort of activities you’ll be participating in. 

I recommend you do some thorough internet research before purchasing insurance or, let me take care of it for you!

A tailor-made insurance quote is one of the included services when you’re a Mosaic Traveller!

Last in this series, we will look at fluctuating flight prices and the best time to book!

To book your next adventure, call Rosie at Mosaic Travel on (03) 5275 4583