As per the Australian Government Smart Traveller website, “If you cannot afford travel insurance you cannot afford to travel.”

You can purchase travel insurance from the moment you book and pay your deposit.  If you have a pre-existing medical condition the insurance company may charge you extra, to cover the 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.


Incidents that may easily be manageable in Australia can become expensive and difficult to negotiate when you are in another country.  Insurance policies may 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 exceed $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 exceeded $60,000*.

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

Travel insurance that includes horse riding

Horse riding can be unpredictable at the best of times. Not all insurance policies include horse riding in their policies, but we have policies that we can offer that will provide cover.   

Check the policy wording! 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 more information.

Snaffle Travel is a distributor of Go Insurance, 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 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.



nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Limited ABN 81 115 932 173, AFS Licence No 308461 (nib). Snaffle Travel ABN 92 610 274 407 is a distributor of nib and receives a commission for nib products purchased through Snaffle Travel.  Snaffle Travel acts as an agent for nib and not as your agent. Snaffle Travel cannot give advice about nib products, and any factual information provided is not intended to imply a recommendation or opinion about nib products.

Before you buy, please read the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. If you have a complaint about a nib product, see the PDS for the complaints process. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.