Travel insurance is strongly recommended for any trip abroad, even if you’re planning to travel for less than three months. You never know what could go wrong, and you never want to be stuck with huge medical bills, or unable to afford to replace lost or stolen items. For peace of mind on a shorter trip, you’ll need to take out short-term travel insurance. Here we explain what this entails.
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Why take out a short stay or single trip insurance?
Trips in the European Union
Getting ill or injured can quickly add up to a huge bill if you don’t have travel insurance. If you are from the EEA, UK or Switzerland and you are travelling within the European Union, you can get a European Health Insurance Card (EHIC) online for free. This card covers medical care in other European countries. For UK citizens, you should get a UK Global Health Insurance Card (GHIC). This card replaces the EHIC and lets you get state healthcare in Europe at a reduced cost or sometimes for free.
Trips out of the EU
Outside the European Union, you won’t be covered with the EHIC, which is why it is important to take out short-term travel insurance before your departure. Although some credit cards offer insurance for trips of less than 90 days, they usually have limitations.
It is also important to check whether you are entitled to a Medicare card. Some countries such as United Kingdom, the Republic of Ireland, New Zealand, Sweden, the Netherlands, Finland, Italy, Belgium, Norway, Slovenia, Malta have signed bilateral agreements with Australia. This entitles citizens from those countries to some coverage under Medicare, the Australian healthcare system. Note that coverage is lower than that provided to Australian citizens, and only covers essential care.
When planning a trip to Australia, short-term travel insurance is crucial for covering unexpected medical expenses, trip cancellations, and lost belongings. While Australia offers world-class healthcare, it can be costly for international travelers. Additionally, travel insurance provides peace of mind, ensuring you are protected against potential mishaps during your journey.
Choosing the right Policy
When selecting a travel insurance policy, consider:
- Duration of Stay: Ensure the policy covers the entire length of your trip.
- Coverage Limits: Check the maximum payouts for medical expenses, trip cancellations, and lost belongings.
- Exclusions: Be aware of what is not covered, such as pre-existing medical conditions or certain high-risk activities.
Key coverage areas
Medical expenses
Australia’s healthcare is excellent, but non-residents can face high costs. Ensure your insurance covers:
- Emergency medical treatment
- Hospitalization
- Medical evacuation
Trip Cancellations and interruptions
Plans can change due to unforeseen circumstances. Coverage typically includes:
- Non-refundable trip costs
- Flight cancellations
- Interruptions due to illness or emergencies
Lost or stolen belongings
Losing your passport, luggage, or personal items can be stressful. Insurance can cover:
- Replacement costs for lost or stolen items
- Emergency travel documents
- Theft of personal belongings
Basic Travel Insurance cover
Typically, short-term insurance covers at least two things, no matter where you go:
- Medical and hospitalisation expenses as well as repatriation if necessary. Medical fees vary depending on the rates applied in the country you are travelling in.
- Civil liability, for any material or bodily injury to others that you could possibly cause.
Specialised short-term travel insurance
In addition to these essential insurance policies, short-term insurance policies often cover other incidents. These include:
- Luggage insurance in case of loss, damage or theft
- Returning home early if necessary
- Trip cancellation
- Flight delay
- Legal assistance.
You can pay for your insurance by the week or by the month. It works out cheaper if you pay by the month. Depending on the insurance, you can even sign up with the whole family or groups of friends, which will also save you money.
Single Trip insurance providers
Go Walkabout
Cheap Annual Travel Insurance for multiple trips per year
Go Walkabout Insurance policies are available to UK residents up to the age of 99. The Annual Multi Trip insurance policy covers multiple trips up to 31 or 45 days each. You can also buy add-ons for cruises, gadgets and winter sports.
Thanks to our collaboration with Go Walkabout, we are able to offer you a 10% promo code on any policy. Just click on the button below and use the PROMO CODE: ABG10
Safety Wing
Nomad Insurance
Nomad Insurance is a global travel medical insurance that covers people from all over the world, while outside their home country. You can buy it even if you are already abroad. After 90 days abroad, you’re covered for brief visits back home for up to 30 days (15 days for US residents).
Chapka
Cap Assistance 24/7
Chapka collaborates with Europ Assistance, one of the leading insurance companies.
They cover travellers of all ages for overseas trips of less than 90 days. You’ll get a 15% discount if you take out insurance for several people from the same family or group, from three to nine people.
We receive a fee when you get a quote from those companies using the links. We do not represent the insurance companies. This is not a recommendation to buy travel insurance.
There are numerous comparison websites with search engines that provide an overwhelming number of travel insurance options. It’s difficult to make a general comparison, as individual interests and plans differ. We have been working successfully with the partners listed above, but if their policies don’t meet your needs, you will surely find a travel insurance provider that offers what you want from doing your own research.
FAQs
What is the best time to purchase travel insurance?
It’s best to buy travel insurance as soon as you book your trip to ensure coverage for any cancellations or changes.
Can I extend my travel insurance if I decide to stay longer?
Many providers allow you to extend your policy, but it’s important to check this option before purchasing.
Does travel insurance cover COVID-19 related issues?
Most insurance providers offer coverage for COVID-19 related medical expenses and trip cancellations. Check the specific terms and conditions of your policy.
