When do I need to purchase my travel insurance policy?

There's no definite date on when you need to have your travel insurance sorted. You can get the same coverage on a policy if you buy it whilst already overseas. However, purchasing your cover is best as soon as you know your travel dates. That way, you get coverage for the maximum amount of pre-paid bookings, such as hotels, airfares and tours, if you need to cancel.

Which countries require me to have travel insurance?

While it's always wise to take out travel insurance before heading overseas, many countries require you to take out cover before you’re able to enter. These include: The United Arab Emirates Cuba Iran Ecuador Turkey Cambodia Antarctica Lebanon Thailand While travel insurance to the USA isn't mandatory, most people will strongly encourage you to take out a policy before you leave. The country doesn't offer universal health care, so the out-of-pocket cost of medical treatment is exorbitant, which is one of the reasons why you need travel insurance .

What details do I need to provide if I buy cruise travel insurance?

The details you need to provide to purchase cruise-specific coverage are essentially the same as those you need to buy standard coverage. Cruise coverage is offered automatically on some policies and as an added extra on others.

How do I declare a pre-existing condition?

If you're one of the many Australians suffering an ongoing health condition, you must declare it when you purchase your travel insurance. To declare your pre-existing condition, most insurers will make you complete an online screening process, which includes providing the following details: The name of your condition Any medications you are taking Changes to your treatment in the last three months Your last visit to the doctor Whether you’ve been admitted to hospital in the previous year If you’re awaiting medical treatment or a consultation

Does my travel insurer pay my medical expenses upfront?

This usually depends on the cost of your medical treatment. In most cases, you'll need to pay your medical bills if they're under $2, 000, after which your insurer will reimburse you. If they exceed this amount, you should contact your insurer, who can arrange for payment to the hospital or practice where you're being treated.

What details do I need to share to add dependents to my policy?

If you include dependents on your policy, you’ll need to provide the exact details, such as their age, date of birth and any pre-existing conditions they suffer, when you take out the policy. Keep in mind that there are conditions on adding dependents for free to your travel insurance.