Travel insurance is one of the most important components of booking a holiday.  As the saying goes, “If you cannot afford travel insurance you cannot afford to travel.”

We recommend you sign up for travel insurance the moment you book and pay your deposit to ensure you are immediately covered for unforeseen circumstances.

If you do not have insurance and something happens to you prior to taking insurance cover, for example you have a fall and hurt your leg.  After the event this is classified as an pre-existing medical condition and the insurance company may charge you extra, to cover this medical condition.

Travel insurance can cover you from financial losses caused by a wide range of events that can affect your trip, whether they occur before, during or even after your trip.  These might include cancellation or interruption, medical expenses, baggage damage or theft, and more.

For international journeys the Australian Government advises that travel insurance is as important as a passport, regardless of your destination.  Please check out the Smartraveller website.


Why international travel insurance is so important

Incidents that may easily be manageable in Australia can become expensive and difficult to negotiate when you are in another country.  Most insurance policies cover overseas medical and dental expenses, lost or stolen luggage, liability cover, accidental death or disability, and expenses if you incur a financial loss due to delays, cancellations or rescheduled arrangements.

Some travel insurers offer additional services, such as 24-hour medical emergency translation, which can make a huge difference to the quality of treatment you get while travelling.  Medical treatment in some countries can be exceptionally expensive and in some cases it can be difficult to be admitted to a hospital and receive treatment unless you are able to guarantee payment.  When you travel overseas, you are personally liable for covering your medical expenses.  It’s not uncommon for even a short stay in, for example, an American hospital to cost tens of thousands of dollars.

According to the Department of Foreign Affairs and Trade (DFAT), daily hospital costs in Southeast Asia regularly excess $800.00 and return of remains from Europe can cost in excess of $10,000.  The cost of medical evacuation from the United States regularly range from $75,000 to $95,000 and sometimes up to $300,000.  DFAT has also handled medical evacuations from Bali in which costs have exceed $60,000*.

Travellers who are not covered by insurance are personally liable for covering the medical and associated costs they incur overseas.

Budget Travel Insurance Policies

In other words you get what you pay for.  If you are comparing travel insurance policies, always compare apples with apples.  The two most important things all insurance policies should cover are unlimited medical insurance and medical evacuation.  Sometimes you don’t know how good your insurance policy is until you have to make a claim.

Travel insurance that includes horse riding

Horse riding can be unpredictable at the best of times, so it’s ESSENTIAL to have a travel insurance policy that specifically covers horse riding as an activity.  Not all insurance policies include horse riding in their policies but we have policies that we can offer, that will provide cover.  Travel insurance that does cover horse riding at time of writing (Does NOT include professional riding, horse racing, jumping* or Polo) with their travel insurance policy.  *Some insurance policies may cover jumping, so if you show jump at home on a regular basis, provided you are not a professional, and if you travel on a horse riding holiday that includes a few jumps you maybe covered.  This is provided the jumps are of a similar height and standard to what you would normally jump at home. IT IS RECOMMENDED TO CHECK THE POLICY WORDING as many policies differ in coverage for horse riding and the policies can change their coverage from time to time. Speak to a Snaffle Travel consultant for guidance.

Snaffle Travel is a distributor of Covermore and NIB Travel Insurance Services and receives a commission for insurance products purchased through Snaffle Travel. Snaffle Travel and its appointed employees act as an agent for the insurance companies and not as your agent. Snaffle Travel and its employees cannot give advice about the products, and any factual information provided is not intended to imply a recommendation or opinion about insurance products. Before you buy, please read the Product Disclosure Statement available from us. If you have a complaint about an insurance product, see the Product Disclosure statement for the complaints process.

Note: It is compulsory to have travel insurance on all our group tours and horse riding holidays booked through Snaffle Travel.