Travel insurance: 9 things you MUST know...

Quentin Long lists nine tricks of the travel insurance trade that may see you up claim creek without a paddle.

1. No, you are not covered when you take unnecessary risks like running with bulls. And it could be argued being a spectator is taking unnecessary risks.

2. Drinking and taking drugs – yep, you are not covered.

3. Breaking the law – guess what? You are not covered.

4. Many domestic travellers think they do not need travel insurance – au contraire. There are so many instances where domestic travel cover helps. You are air-lifted from a remote location to hospital, leaving behind vehicles – travel insurance can assist with the cost of recovering the vehicles. You know the car insurance coverage that is exorbitant – well, travel insurance covers the excess and over time I have learned that if you have a hire car for three or more days, the travel insurance is worth it for car rental excess coverage alone.

5. Cancellation of flights due to bad weather is not covered by the airline so you will need to claim in on travel insurance. But make sure you get the cancellation in writing (saying it was due to bad weather). And, yes, you will need to book a room and pay for it and then claim it from the insurer.

6. A claim is not a ticket to a life of luxury. If you do need to book a room as in the example above don’t seek out the most expensive room in the city when you have actually been staying at flashpackers. The travel insurer will want evidence that this is the standard of travel you have been travelling at. Same for all dining and other related expenses you think you want to claim. It is not a ticket to excess on the insurer’s credit card.

7. Call the travel insurer as soon as humanely possible. The companies have great call centres that will be able to assist you and may have access to better information or contacts on any given situation than you do. A quick case study, my 18 year-old nephew almost wipes himself on a gap year in Cambodia. Wakes up in hospital 12 hours later, calls the travel insurer who has a western trained doctor who speaks English at his bedside in one hour. So have the travel insurance international calling number – very, very handy.

8. Travel insurers may be more effective than consular assistance. During natural disasters or political upheavals, travel insurance companies will have a team (okay, maybe one person dependent on the circumstances), dedicated to monitoring the situation and getting travellers out or giving assistance. They will also be great assistance in contacting your family members if necessary.

9. When the cruise and tour operators advise you to take out travel insurance they are not doing it for a bit of a laugh, they really want you to. Cancellations at the last minute for a personal issue which forfeits your deposit or entire payment is a real downer and the tour and cruise operators hate taking it from you… but they can’t afford not to. Everyone, and you more than the rest, would feel a lot better if you could claim it or a portion at least on travel insurance.

Also see Quentin’s Bullish lessons in travel insurance.

Just over an hour from Melbourne, spectacular walking and hiking trails encompass ancient landscapes, forested ridgelines and volcanic peaks.

Just a short drive from the city, the urban sprawl gives way to rolling hills, mineral springs, and lush forests that will have you feeling like you’re in the bucolic countryside of France. Encompassing Daylesford , the Macedon Ranges, Castlemaine and the Central Goldfields, this pocket of Victoria is a region where nature, art, and wellness intertwine. Heritage towns hum with creativity, good food and wine, and welcoming locals. While Daylesford hikes, and those nearby, offer the chance to take a pause and reconnect with nature.

1. Hanging Rock Summit Walk

Etched into folklore, few places in Australia carry as much mystique as Hanging Rock. Rising dramatically from the plains near Woodend, this volcanic mamelon offers a beautiful nature walk. The walk begins at a gentle pace, weaving through shaded woodland before it gets a little steeper as the path starts to climb and twist to the summit. From here, you’ll have views that stretch across the Macedon Ranges. The walk is roughly 1.8 kilometres return, but the real reward lies in standing among the weathered boulders, feeling the age and energy of the earth beneath your feet.

2. Macedon Ranges Walking Trail

Macedon Ranges Walking Trail camel's hump lookout — Walk to Camel’s Hump. (Image: Clair Derwort)

The Macedon Ranges Walking Trail traverses around 19 kilometres of forest and mountain landscapes. The full trail is a six-hour circuit, with most of the walk being a grade three; however, you don’t have to tackle it all at once. There are shorter walks that will take you through the tall mountain ash forests, to tranquil picnic areas, and sweeping views from Camels Hump and the Memorial Cross. The best times of year to head out are autumn, when the mountain turns into a tapestry of crimson and gold, and spring, when wildflowers brighten the trail.

3. Mount Alexander Traverse

Towering above the goldfields near Castlemaine, Mount Alexander is a granite giant that offers some great bushwalking trails. The Mount Alexander Traverse winds along the mountain’s rocky spine through dry eucalypt forest that opens up in sections to reveal beautiful panoramas across Loddon Valley and all the way to the distant Grampians. Once a site of ancient volcanic activity (and later a gathering place for the Dja Dja Wurrung people), the mountain’s granite tors are now quiet and create a beautiful, serene atmosphere for a moment of reflection while walking.

4. Murmuring Walk

Murmuring Walk daylesford hikes — Circle the picturesque Sanatorium Lake.

Located an easy drive from Daylesford, Murmuring Walk offers something a little different. Circling Sanatorium Lake, this free audio-guided walk aims to immerse you in the rhythms of Dja Dja Wurrung, Taungurung and Wurundjeri Woi Wurrung Country by blending the sounds of nature with a multi-layered soundtrack. There are two routes to explore while you listen: a shorter loop around the lake itself and a longer circuit that extends deeper into the woodland.

5. La Gerche Forest Walk

Located in Creswick, the La Gerche Forest Walk honours the legacy of John La Gerche, a 19th-century forester who championed the regeneration of the then gold-rush-ravaged land. Today, over 100 years later, his replanting efforts have grown into a living cathedral of towering pines, oaks, and native gums. As you meander along the 2.2-kilometre circuit, you’ll find interpretive panels along the way that help tell the story of La Gerche’s vision, so you can learn as you wander.

6. Sailors Falls Loop

Just outside Daylesford, Sailors Falls tumbles through a fern-lined gorge, fed by mineral springs. Thought to be named after the sailors who jumped ship to seek gold in the area during the 1850s gold rush, the loop walk begins at the car park and descends through a cool, shaded gully to the base of the falls. From here, you’ll make the climb back via the mineral springs. It’s a short but enchanting walk – about 1.5 kilometres in total, so make a day of it by packing a picnic to sit by the springs; you’ll feel worlds away from the city.

7. Paddys Ranges Loop Walk

Further north, the Paddys Ranges State Park loop reveals a different side of Victoria’s Heartland – dry forest, golden light and hints of a gold-rush past. This protected reserve is a stronghold of box-ironbark woodland, providing vital refuge for endangered species. In spring, the forest floor is awash with the colour of over 230 species of wildflowers, so a springtime walk is a must-do. As you walk the 4.5-kilometre loop trail, keep an eye out for remnants of old mine shafts and rusted relics from the prospectors who once sought their fortunes here.

8. Mount Franklin Summit Walk

An extinct volcano turned picnic ground, Mount Franklin (known as Lalgambook to the Dja Dja Wurrung people) is one of the region’s quiet marvels. The summit walk follows a narrow, winding path through native forest to the crater’s rim, where you’ll get glimpses of farmland and forest below. It’s a moderate climb – just over an hour return, so it can easily be done if you’re camping in the surrounding reserve for a weekend nature retreat.

The trails of Victoria’s Heartland offer a chance to reconnect with the landscape, local history and yourself. Start planning your next adventure at daylesfordmacedonlife.com.au.

Travel insurance: 9 things you MUST know…

Quentin Long lists nine tricks of the travel insurance trade that may see you up claim creek without a paddle.

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