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When you think about that awesome ski holiday looming out in front of you what’s the first thing you think of? Is it the awesome pristine snow, the perfect sunny sky that you’re praying for, the feeling of hurtling down the slopes, the après ski that you’re surely going to be enjoying at the end of every day… or is it the possibility that you’re going to end up on the back of a Skidoo going down the mountain after you’ve hurt yourself?
Even though the prospect of getting hurt or needing travel insurance isn’t the coolest thing to think about for your holiday, it’s certainly something to consider for yourself. Think about all of the things that can possibly go wrong for you as a holiday goer… You might lose your bags in the airport, you might get robbed on the beach in Thailand (sad, but it does happen) and you might fall down a flight of stairs in the airport as you’re getting on the plane to go home, breaking an ankle. It’s not the best and nicest thing to think of all the stuff that can possibly go wrong, but it certainly pays to think about the possibilities.
You also need to ensure that apart from just getting travel insurance, that you have the right travel insurance for any possible situation that you might find yourself in, and that the kind of cover that you have is the fullest one for any sort of situation. For example, did you know that if you hurt yourself while you’re snowboarding down the side of a mountain, but if your policy doesn’t include extreme sports in the cover that you’ve chosen that you are not covered for any injuries or transport required? If you know what you’re going to be doing on your holiday you will be more able to choose the right policy in the first place.
It’s happened in the past that people have been on holidays and have taken on activities that they weren’t covered for and had to take on the full costs associated with the injury that they sustained – all because they didn’t check out the exclusions with their policy. There are a few basic steps to consider when you’re going to be choosing a new insurance policy, and when you do choose one, make sure that you buy it in plenty of time before you leave.
Step One: Think about everything that you’re possibly going to be doing on your holidays and then ensure that whatever the policy is you’re choosing – that it covers your activities. If you’re holidaying with friends and haven’t planned on riding mopeds in Thailand (but think you might), consider opting for the highest level of cover possible, just to cover the maybe and what-ifs. You’ll be glad you did if anything goes wrong.
Step Two: Find out if there are any exclusions or clauses associated with your policy. If you’re only 19 and can legally drink alcohol in Australia, but then travel to America and drink some beers, and injure yourself while under the influence, the policy you have may not cover you as you were undertaking illegal activities while you hurt yourself. These sorts of things you may not find out until it’s too late – so be sure you either act in line with your policy or choose the right one!
Step Three: It pays to compare HBF Travel Insurance to get the best possible price, so that you are getting the best deal for the money you spend. After all, when you’re travelling you don’t want anything to go wrong just because you saved a little on insurance.