Travel should be exciting, memorable and stress-free — whether you are travelling domestically, heading overseas for business, taking a family holiday, or planning a long-awaited international adventure. However, unexpected events can happen at any time, and without appropriate protection, the financial consequences can be significant.
Flight disruptions, lost luggage, medical emergencies, cancellations, unexpected illness, theft and travel delays can quickly turn a planned trip into a costly experience.
Travel Insurance is designed to help protect travellers against many of the unexpected risks associated with domestic and international travel, helping provide financial support and peace of mind when the unexpected occurs.
At Centregate Financial, while we do not directly arrange Travel Insurance products, we can introduce clients to reputable third-party providers who offer quality travel insurance solutions tailored to a range of travel needs.
Travel Insurance is a type of insurance designed to help protect travellers from financial loss arising from insured travel-related events before or during a trip.
Depending on the policy selected, Travel Insurance may provide protection for a range of unexpected situations, helping travellers manage disruption, emergency expenses and unforeseen costs.
Cover, benefits, exclusions and limits vary between insurers and policies.
Even carefully planned travel can be affected by events outside your control.
Travel Insurance can help protect against costs arising from:
✓ Unexpected overseas medical treatment
✓ Emergency hospitalisation
✓ Medical evacuation or repatriation expenses
✓ Trip cancellation before departure
✓ Travel delays and missed connections
✓ Lost, stolen or delayed luggage
✓ Theft of valuables or personal belongings
✓ Passport loss or travel document replacement costs
✓ Rental vehicle excess liability
✓ Personal liability while travelling
✓ Unexpected accommodation or transport expenses
✓ Business travel interruptions
✓ Certain adventure activity risks (subject to policy terms)
For overseas travel in particular, medical expenses can be substantial, making appropriate cover an important consideration.
Depending on the insurer and policy selected, cover may include:
Travel Insurance may assist with eligible emergency medical treatment, hospital costs and related expenses incurred while travelling overseas.
Many policies may include access to 24/7 emergency assistance services for urgent support while travelling.
Protection for non-refundable prepaid travel expenses if your trip is cancelled, shortened or interrupted due to insured events.
Cover for luggage, personal belongings and travel items lost, stolen or delayed during travel.
Some policies may assist with reasonable additional accommodation, meals or transport expenses caused by significant travel delays.
Protection where you become legally liable for accidental injury to another person or accidental damage to third-party property while travelling.
May assist with rental car excess costs where your hire vehicle is damaged or stolen, subject to policy terms.
Depending on the provider, optional cover may also be available for:
✓ Snow and ski travel
✓ Cruises
✓ Adventure sports and activities
✓ Frequent traveller annual cover
✓ Business travel
✓ Seniors travel cover
✓ Cover for pre-existing medical conditions (subject to underwriting)
✓ Higher-value belongings and electronics
Travel Insurance may be suitable for:
✓ Holiday travellers
✓ Families travelling overseas
✓ Business travellers
✓ Frequent flyers
✓ Students travelling internationally
✓ Seniors travelling domestically or overseas
✓ Cruise travellers
✓ Adventure travellers
✓ Long-term travellers and backpackers
✓ Travellers carrying valuable items or equipment
While Centregate Financial does not directly provide Travel Insurance products, we can assist by introducing clients to reputable third-party providers who offer competitive and comprehensive travel insurance options.
We work to connect clients with providers who may offer cover suited to:
✓ Domestic travel
✓ International holidays
✓ Family travel
✓ Corporate travel
✓ Frequent traveller policies
✓ Cruise travel
✓ Specialist travel requirements
This allows our clients access to quality travel insurance options from trusted providers.
Before purchasing Travel Insurance, it is important to consider:
✓ Your destination(s)
✓ Length of travel
✓ Medical history and health considerations
✓ Activities planned during travel
✓ Value of luggage and belongings
✓ Whether business equipment is being carried
✓ Rental vehicle exposure
✓ Cruise or adventure activity needs
✓ Policy exclusions, limits and waiting periods
Reading the insurer’s Product Disclosure Statement carefully is essential before deciding whether a product is suitable for your needs.
Travel with greater confidence knowing appropriate protection may be available if the unexpected occurs.
Centregate Financial can help connect you with reputable third-party travel insurance providers offering quality cover options for your journey.
Contact us today to discuss your travel insurance referral options.
