How To Protect Yourself On Your Overseas Trip
With increased airline and hotel competition international travel has become less expensive encouraging more people to travel overseas. Many of these people are first time international travellers and are not fully aware of the extra risks of international travel compared to domestic travel.
Domestic travel is easy and a lot less can go wrong. There is no immigration to worry about. Even people with criminal records travel domestically with no problems. There is no customs and quarantine to clear so your luggage is not subject to scrutiny. Travellers don’t need to worry about foreign currencies, foreign languages and unfamiliar customs.
However, international travel is more complex and more things can go wrong. Flight delays, missing connections, cancellations or loss of luggage are much more costly and can cause real problems for travellers. Medical problems will be much more expensive and you may not be able seek or afford medical treatment overseas. Travellers should always take copies of medicine prescriptions with you to avoid any unpleasant questioning from customs officials.
Medical treatment is often very expensive for international travellers. A visit to a medical centre, even for minor treatment, can be very expensive when overseas and often the medical facility will demand payment before treatment.
This is why it is highly recommended to purchase a world travel insurance policy when travelling overseas. World travel insurance is highly recommended for all international travel unless the trip is short in duration and you are not travelling far from home, for example, you are driving across a border into a neighbouring country. Even in this circumstance you most likely will not be covered for a medical emergency. Online travel insurance is available on the internet for immediate and inexpensive cover.
Travel insurance is mandatory for travellers on organised tours. Many tour companies will want to sight evidence of your travel insurance policy and record the policy number at the beginning of the tour. Passengers without a policy may be forced to purchase one or be excluded from the tour. Many tour operators work on low margins in a high competition environment and cannot afford to have legal action brought against them by travellers. If you have an accident or require serious medical treatment while on a tour, the tour will carry on without you and it would be unlikely you would be refunded for the unused portion of the tour as the tour company would not be able to recover their costs.
Purchase a travel insurance policy that covers accidents, medical expenses, including pre-existing medical conditions, emergency repatriation, personal liability and any activities, including adventure sports, in which you plan to participate. Cover for cancellation, curtailment, loss of luggage and personal effects is recommended. It is also recommended to notify your tour operator of any pre-existing medical conditions at the time of booking.
If travelling overseas for a long period, visit your doctor and dentist for a check-up. If you require prescription medication while travelling, discuss this with your doctor and arrange an appropriate supply.
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