How Australian Government Travel Warnings Impact Travel Insurance
- (Photo : Catarina Sousa)
If you're a smart and cautious traveler, it is likely that you have purchased travel insurance for upcoming international trips. However, this insurance can have varying levels of coverage, especially if the region to which you are travelling is under a travel advisory.
The Australian government publishes travel warnings of varying degrees for countries that their specialists have found could present dangers or threats for those traveling to them. It is important that you are aware of these advisories and heed all government advice before you travel. It is also imperative to cross check your insurance with the travel warnings so that you are aware of your coverage. If you're planning an international trip soon, read on for some vital information to consider when making your plans.
What is travel insurance for?
International travel insurance is a type of insurance for international travel which covers emergencies of all types that you could experience while abroad. Depending on your coverage level, it can cover the cost associated with an emergency evacuation from a region, stolen or damaged property, and cancelled or delayed flights. It is an easy way to travel worry-free, as you know anything that goes wrong can be covered by your insurance. You can also opt for medical coverage while you are away from home, which can be great especially in areas where your home country's medical insurance is not accepted. You know yourself best, and if you fear you may have a health emergency while on a trip, it is best to get a high level of medical coverage with your international travel insurance. Always compare travel insurance plans to make sure you are getting the best coverage for your budget and your lifestyle.
What are the levels of travel warnings put out by the Australian government?
The Australian government always has public safety in mind, and thus publishes travel warnings at four different levels for those planning international travel. Always check these warnings for the countries you will be visiting before you leave home.
Level 1 indicates a stable society. It means there are no significant signs of concern in that country or region, and travellers should exercise a normal amount of caution, but not any more than they would back home in Australia. A normal amount of caution may include respecting local cultural practices, exercising common sense, and being aware of your surroundings, as you is always potential for petty theft or another threat.
Level 2 is typically a country or region that is relatively safe, but one that you should exercise a high amount of precaution in due to a temporary upset, such as a political uprising or demonstrations. You should exercise more caution than you would at home or in a level 1 region.
Level 3 encourages you to reconsider any need to travel to this area, and means you should only visit if you absolutely have to. Countries listed at level 3 may have a high amount of civil unrest or violent crimes, making it difficult to travel to.
Level 4 is do not travel. These countries or regions are far too dangerous for the government to advise that anyone travels there, essential or not. While it is not illegal, it is not advisable to travel there.
How do these warnings affect my insurance coverage?
Most international travel insurance providers will only cover travel to countries and regions listed as levels 1 or 2 by the Australian government. Within level 2, there may be some varying coverage options as well. You should always check with your insurance provider to verify your coverage before you leave the country.
