International Health and Travel insurance is a pretty broad topic, but must be taken into account when planning to leave your home country for a while. Depending on your profile, your needs and your trip, you will be faced with a few questions when looking for travel insurance. This article will not only help you to understand the benefits of getting travel insurance but also give you the tools to make the right choice.
Why should I get travel insurance?
As zero risk does not exist, it is important to be insured no matter what your destination or the nature of your trip is. When going overseas, your national health care system normally doesn’t cover you and credit card insurances do not provide a decent cover. When traveling, you are exposed to a number of risks: sanitary risks (depending on the country), loss of luggage, cancellation of flights and many more.
The Covid 19 pandemic proves to us that we are never safe from a (big) unforeseen event. For you to travel with peace of mind, it is highly recommended to get travel insurance!
Depending on your country of origin you may qualify for access to another country’s health care system. Based on the Reciprocal Health Care Agreements (RHCA) between certain countries, some of the costs for necessary health care might be covered while abroad. You should check this before doing your research.
Read also : Why should I get Travel Insurance?
How to choose the best travel insurance?
When going overseas, you need to know what you are going to do in order to choose the right insurance coverage fro your trip. This means, you need to take into account your visa, the kind of activities you may do and the countries you are going to visit. To have the best cover possible, your specific needs (disability, medical conditions etc…) also play an important role when choosing your insurance. Make sure to take into account all these points before subscribing!
Read also : How to choose the best travel insurance?
Types of travel insurance
Working Holiday Travel Insurance
The Working Holiday Visa is a program set up between several countries in the world to allow young people aged 18 to 30 (or 35 for some countries and nationalities) to travel and at the same time work in another country to finance their trip.
Going overseas with a Working Holiday Visa is a specific project, which requires a proper insurance cover. The ability to travel and work for 1 to 3 years abroad can pose risks. In some cases, effecting a travel insurance is a condition for obtaining the working holiday visa. Only few countries offer this type of visa, among them, Australia, New Zealand and Canada are popular destinations for travellers.
Read also : Working Holiday Travel Insurance
Are you going to study abroad? What a wonderful personal and professional opportunity! You still have to put all the chances on your side for a successful stay. Indeed, there are specific insurance for students wishing to go and study in another country (outside the European Union). Be aware that in most cases, you will need to take out the national insurance of the country where you are going to study, but private insurance will also be necessary for good coverage.
Read also : International Student Insurance in Australia
Backpacker travel insurance
Traveling the world is an amazing experience but it is important to be prepared and think about all the practical aspects of this great project. When planning your travel you should seek advice on the potential hazards you may encounter and understand how best to protect your health. Traveling through various countries, you will be confronted with different health systems, which can even be precarious at times. Make sure to explore the world with a specific insurance that will cover all possible incidents during your trip!
Read also : Backpacker Travel Insurance
Travel insurance – short stay overseas
Some of you will only go on a short trip for holidays but it is important to know that even if you do not want to work and you plan to travel only for a short period (less than 90 days), it is still necessary to be insured.
Read also : Short Term Travel Insurance – Australia
Au pair insurance
Being an Au Pair in a host family is a great way to immerse yourself in the culture of a new country. Although enjoying some security in staying with a family, you are not protected from an incident. It is always important to be covered for yourself and also for the children you will be responsible for.
Thinking about doing some volunteer work overseas? You should check the different types of insurance that suit your needs. You can be facing sanitary risks, infectious diseases or insecurity etc depending on your destination country. More than ever, you will need an insurance coverage that will provide you with 24/7 emergency assistance in all circumstances and the countries you visit.
Some of you are probably considering a long-term departure, and/or settling in another country. Having an expatriate status, you will need to take out insurance coverage according to your country of destination. Whether you leave alone or with your family, working for yourself or for a company, you must be covered in every situation.
Travel Insurance Companies
Depending on your type of travel, different travel insurance companies would be able to offer you the cover that is best for you and your needs. It is important to compare all of them and find the right one for you. Check the covers, prices, your needs, the services offered. Among the most popular companies, you will find Chapka Insurances, WorldNomads, Go Walkabout, World First Travel Insurance, and Columbus Direct.
Read also : Travel Insurance Companies
The health care system in Australia
Medicare, the publicly funded health scheme of the country covers all Australians.
Australia has signed agreements with 11 countries that covers the cost of medically necessary care when Australians visit certain countries and visitors from these countries visit Australia.
Those countries are:
- United Kingdom,
- The Republic of Ireland,
- New Zealand,
- The Netherlands,
Visitors from these countries are entitled to some subsidised health services for essential medical treatment while visiting Australia.
The length of cover depends on your country of origin. For example, if you are a resident of the United Kingdom, Ireland, Sweden, Finland or Norway, you are covered for the entire length of your stay in Australia.
See the list of countries and specific informations on: Reciprocal Health Care Agreement.
Consultations fees in Australia
Here are a few examples of consultation fees in Australia.
- Consultation with a general practitioner: Between 70 and 100 AUD *
- Medical specialist: between 150 and 250 AUD * Note : To get an appointment with a medical specialist, you will need to go through a general practitioner. The fee is between 200 and 250 AUD.
- MRI: Between 200 and 800 AUD *
- Hospitalisation: More than 1000 AUD per day *
* Rates vary by city and medical practice
Read also : Australian Health Care System