Going travelling? Don’t forget insurance (and to read the fine print)



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If you don’t have a motorbike license back home, your insurance might not cover you if you have an accident abroad.
Eirik Skarstein

David Beirman, University of Technology Sydney

Over the past year, Australians took almost 11 million international trips. We’re among the world’s leading international travellers on a per-capita basis.

Australians took more than 3.5 million trips to Asia in the past year. Indonesia (especially Bali), Thailand, Malaysia, Philippines, Vietnam, Singapore and Cambodia are the most popular destinations in the region. This is especially the case for young Australian travellers, who are attracted by low prices, the range of activities, and the easy-going lifestyle.

However, all international travel involves risks. You may have an accident or illness that lands you in hospital; you may even need to be repatriated to Australia. So it’s important to take out appropriate insurance for your trip.




Read more:
What to claim for lost, delayed or damaged bags on overseas flights


No, the consulate won’t pay

In the late 1970s, travel insurance companies struggled to convince 50% of Australian international travellers to purchase travel insurance. Now around 90% purchase health insurance.

Travellers aged under 30 are much more likely to travel without insurance cover than any other age group. Around 82% of international travellers aged 18-29 have insurance.

Young men are more likely to refuse travel insurance than women. This is concerning because young men are more likely to engage in risky behaviour, such as riding motorbikes or risky drinking, and the peer pressure to take a dare remains strong. Some men, particularly those travelling in groups, imagine themselves to be bulletproof.

Young Australians are less likely to travel with insurance.
Goh Rhy Yan

Some Australians still naively believe their government will bail them out if they become sick or are injured and aren’t covered by travel insurance.

But while Australian diplomatic legations can provide details of local doctors and hospitals in an emergency, they won’t pay for medical or psychiatric services or medications.

Check the fine print

Some insurance claims run to hundreds of thousands of dollars, especially if the person requires extensive treatment in an intensive care unit.

Most reputable travel insurance companies offer substantial medical coverage.
They generally provide unlimited cover for any illness or accident experienced overseas. This includes covering the costs of treatment, hospitalisation, medication, surgery and, if necessary, evacuation or repatriation.

Some cheaper policies may require travellers to pay an excess on their premium for unlimited medical coverage.

Travellers are covered for tropical diseases such as Malaria, Zika and other conditions which can be contracted while travelling.

Many adventurous travellers engage in high risk activities but these are not necessarily covered by travel insurance policies. Travellers who plan to ski, bungee jump, mountaineer, abseil, trek or engage in other risky activities, should choose your insurance cover carefully.

This Choice guide is a good place to start. It explains traps and exclusions that may apply to insurance cover for loss, injury or illness.




Read more:
Mobile apps might make you feel better about travelling alone, but they won’t necessarily make you safer


Few travel insurance companies will cover policy-holders for treatment related to pre-existing medical conditions, including pregnancy or heart attacks at any age.

Travellers who need medical treatment from injuries incurred while intoxicated by drugs or alcohol may also have their claims rejected.

Australians who are injured in a motorbike accident abroad may find their claims rejected if they don’t have a motorbike licence in Australia and especially if they aren’t wearing a helmet (even if it isn’t required in the country they’re riding in).

If you’re over 75, you might need to shop around for the right policy.
Yichuan Zhan

Insurance companies’ definition of a senior can range from age 50 to over 80, but in many cases premiums will rise from age 75.

Some travel insurance companies have more stringent fitness requirements and require more medical documentation for senior travellers, especially those who have previously had a heart attack.

Reading the fine print of an insurance policy or obtaining expert advice is one of the least glamorous aspects of travel planning but it’s an essential part of minimising risk for your trip.




Read more:
Bali tourism and the Mt Agung volcano: quick dollars or long term reputation


The Conversation


David Beirman, Senior Lecturer, Tourism, University of Technology Sydney

This article is republished from The Conversation under a Creative Commons license. Read the original article.

Article: The North Pacific Gyre


The following link is to an article reporting on the North Pacific Gyre, the so-called Pacific garbage patch. It’s an interesting read and may clear up some misconceptions on the region.

For more visit:
http://io9.com/5911969/lies-youve-been-told-about-the-pacific-garbage-patch

Copenhagen Summit Fails to Deliver


In news that has delighted the ears of climate change sceptics the world over, the Copenhagen summit on climate change has failed to deliver anything of real value that will actually make a difference. It is truly disappointing that even in the face of a massive environmental disaster that will affect the entire planet, global leaders have failed to lead and work together in finding solutions to the major issues we face over the coming decades and century.

Newspapers in Australia have reported the failure of the summit and are reporting on the leader of the opposition gloating over the failure of the summit. His solution is to ignore the real issue and hope that the Australian people prove to be as oblivious to climate change as the coalition he leads.

Typically, the usual anti-Kevin Rudd biased journalists and climate change sceptics of the newspaper (The Sunday Telegraph) I read this morning, were also quick to pour further scorn on the Prime Minister and the problem of climate change itself (which they deny). One particular vocal climate change sceptic in the Sunday Telegraph has very little credibility with me and I find his obsessive anti-Rudd tirades more than a little tiring. This self-opinionated buffoon is little more than an embarrassment for both the Sunday Telegraph and the Daily Telegraph for which he also writes. His columns are becoming more of a personal vendetta against Kevin Rudd than anything resembling real journalism.

I’ll be finding a better way to become acquainted with the daily news than continuing to read the biased diatribes that continue to be put forward by these papers in future. I’ll also be hoping that our leaders can overcome the various preoccupations each have with self-interest (whether it be personal or national) in order to reach a real workable agreement on dealing with the growing threat of climate change