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Buying your travel insurance online can be a challenging task if you don’t know what to look out for and are not familiar with insurance specific expressions. We’ll take you through the process step-by-step, so the next time you get your travel insurance quotes on the net, you are the expert. Buying cheap online travel insurance should not mean that you get less travel cover online.
An excess is the first amount of a claim which will not be paid by the insurance company. You should always check what excess your policy has before buying. Some online travel insurance policies give you the choice of excess levels. This is a good thing – it enables you to choose whether to minimise your upfront premium and pay a higher excess when you claim; or pay a little bit more now, but minimise your excess, should you need to claim your travelling insurance. As a general rule, the higher the excess, the lower the premium. Therefore, when looking at a travel insurance online quote, always compare the excess.
If you have a chronic or ongoing condition, you will most likely have to follow a medical assessment procedure. To make your life easier, some conditions are automatically covered at Cover-More. Check the relevant PDS (Product Disclosure Statement) for details. More good news: If you do need to apply for cover for your condition, Cover-More offers you the option to do a quick and easy online assessment to save you the paperwork.
Each Cover-More online holiday insurance plan has a different level of cover for your liability, with respect to the rental car insurance cover. This ranges from $4000 to $Nil. Regardless of the amount specified in the plan, it can be increased by up to $2,000 by paying an additional premium. Simply choose which amount is right for you when you use our online quote tool.
Both these activities increase your risk of injury, therefore an additional premium is charged to cover the risk and give you that extra peace of mind on your trip.
If you are travelling within Australia, many travel sites will offer online travel insurance. When booking flight insurance, make sure that it covers cancellations, lost luggage and rental car excess. Not every flight travel insurance offers the same benefits. Even if you book last minute travel insurance, make sure you take the time to read the small print.