Australia is known for its exciting outdoor lifestyles, from sleeping under the stars in the wilderness to pitching a tent by the beach. And while these trips take place on the home continent, it’s still important to ask yourself – do you need travel insurance?
Domestic Travel Insurance in Australia
The good news is that travel insurance in Australia isn’t overly expensive. You can insure a long weekend camp for as little as $30, and a weeklong trip for around $30-$50, depending on what level of cover you want and the provider you choose.
The ease of online travel insurance also makes getting travel cover quick and easy, so that you can insure your trip within a matter of minutes, and without even speaking to a rep.
What should your travel insurance cover?
This depends on the specifics of your trip, like where you are going, what you are doing and how you plan to get there. There are some items, though, that can be particularly useful across the board:
- Cancellation: If you’re forced to cancel your bookings altogether because of an emergency, you might not get a refund from the airline, the campground, your booked tour or even your ‘glamping’ cabin. In this circumstance, travel insurance can help you get your money back.
- Luggage & possessions: When you add it up, possessions like camping gear, equipment, electronics and other valuables can amount to a lot. If your belongings end up lost, damaged or stolen (say, from your car in the parking lot), being able to make a claim on your travel insurance can be hugely beneficial. Otherwise, it’ll be up to you to replace or fix these items using your own cash.
- Sports & activities: You might think camping is mostly low key, but the range of camping destinations in Australia often means that sports and activities, like kayaking, hiking, parasailing and even bungee jumping are at your fingertips.
Travel insurance can cover you for personal liabilities and personal accident (or someone else) while participating in any of your policy covered activities. Please read the PDS carefully before purchasing a policy.
- Rental car waivers: If you’re planning on renting a car as part of your camping trip so that you can go exploring, look for domestic travel insurance that includes an excess waiver.If you get into an accident or similar, the rental agency will usually require you to pay an excess before your car insurance will kick in. Unfortunately, this can sometimes mean a couple of thousand dollars. The excess waiver will ensure your travel insurance covers this for you.
Other travel insurance things to think about
If you’re organising a camping trip, getting travel insurance can be a smart move. Everything might go according to plan, but if it doesn’t, you’ll likely be thankful that you’ve got that extra cover behind you.
- Add up the total cost of your trip’s expenses and consider if the limits in your policy will cover everything.
- If you’re taking valuables (e.g. a tablet, camera, phone), find out if these are covered and to what extent.
- Planning on engaging in a fun activity? Or even a basic one? Check what’s covered by your policy, and under what terms and conditions.
- Find out what excess you have to pay if you want to make a claim; with some insurers, you can double your excess (to lower your premiums) or remove it altogether (pay more now, nothing later).
- Always read the Product Disclosure Statement and clarify any concerns before you buy travel insurance. Don’t be afraid to ring up and ask questions!