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.

This remote corner of Australia is one of the world’s last frontiers. This is how to see it properly.

Vast, rugged and deeply spiritual, the Kimberley coast in Australia’s North West feels a world away from everyday Australia – and there are countless ways to explore it. But if you want to reach ancient rock art, hidden gorges and lonely waterfalls, it has to be by boat. Whether you’re aboard a nimble expedition vessel or a luxury yacht with all the trimmings, exploring by the water brings exclusive experiences, shows unique views and makes travel easier than any other mode. And that’s just the beginning of Australia’s North West cruises.

The True North Adventure Cruise in between sandstone cliffs. — Adventure starts where the road ends.

1. Discover Broome, and beyond

Explore your launchpad before you set sail: Broome. Here camels and their riders stride along the 22 kilometres of powdery Cable Beach at sunset. That’s just the start.

At Gantheaume Point, red pindan cliffs plunge into the turquoise sea, whose low tide uncovers fossilised dinosaur footprints. Broome’s pearling history runs deep. Japanese, Chinese, Malay and Aboriginal divers once worked these waters, and their legacy lives on in boutiques where South Sea pearls still shine.

If the moon’s right, you may catch the Staircase to the Moon over Roebuck Bay. Or simply kick back with a cold beverage and a film under the stars at Sun Pictures , screening since 1916.

Ride a camel along Cable Beach as the sun sinks into the Indian Ocean, casting golden light across the sand and sea. — Ride a camel along Cable Beach. (Image: Nick Dunn)

2. Unmatched access to The Kimberley

Once you’re onboard, expect a backstage pass to some of the most isolated places on Earth. No roads. No ports. No phone reception.

At Horizontal Falls/ Garaanngaddim, 10-metre tides surge through twin gorges like a natural waterpark ride that’ll make your palms sweat. Then there’s Montgomery Reef/ Yowjab: a giant living platform of coral and seagrass, where the sea pulls back to reveal waterfalls, sea turtles and ospreys.

Up north, King George Falls/ Oomari rage 80 metres down red cliffs. Zodiac boats often nudge in closer so you can feel the spray on your sun-warmed cheeks. You might even fly in to reach Mitchell Falls/ Punamii-unpuu, a four-tiered cascade where you can swim in freshwater pools above the drop.

Come spring, some itineraries veer west to Rowley Shoals: an atoll chain of white sand and reef walls. Then it’s up the winding Prince Regent River to King Cascade/ Maamboolbadda, tumbling over rock terraces, and into a Zodiac to view the Gwion Gwion rock art, whose slender, ochre-painted figures are older than the pyramids.

A cruise drifts beneath King George Falls, where sheer sandstone cliffs frame the thunderous plunge into turquoise waters. — Get closer to the Kimberley than ever before.

3. Taste the Kimberley with onboard hospitality

You might spend your days clambering over slippery rocks or charging past waterfalls. But when you’re back on the water, it’s a different story. Meals are chef-prepared and regionally inspired: grilled barramundi, pearl meat sashimi, mango tarts, and bush tomato chutney. One night it’s barefoot beach barbecues with your shipmates; the next, alfresco dining on the ship.

Small expedition ships each have their own personality, but many carry just 12 to 36 guests, making being out on the water a whole other experience. You might sink into a spa on the foredeck or sip coffee in a lounge while watching crocodiles cruise by. It’s choose-your-own-relaxation, Kimberley style.

4. Expert-led excursions through the Kimberley

These voyages are led by people who know the Kimberley like the back of their sunburnt hand. Attenborough-esque naturalists might gently tap your shoulder to point out rare birds or tell the story beneath a slab of rock. Historians can explain exactly how that rusted World War II relic came to rest here.

If your ship has a helipad, you might chopper straight to a waterfall-fed swimming hole. If not, you’ll still be hopping ashore for that wet landing at a secret creek.

Then come the evenings: songlines shared by Traditional Owners under the stars, or astronomy sessions that link what’s overhead with what’s underfoot and what’s within.

A small group glides through Kimberley’s rugged coastline by boat, passing ancient cliffs. — Explore with naturalists and historians by your side.

5. Relax in luxurious lodgings

Just because you’re off-grid doesn’t mean you have to rough it. These Kimberley vessels are small in size, but mighty in luxury. True North’s ships come with their own helicopters and a no-sea-days policy, so you’re always in the thick of it. Try the luxurious offerings from Ocean Dream Charters for exploration in style. Kimberley Quest offers a fast boat for easy, off-ship adventures. On the larger end of the scale, Coral Expeditions has open-deck bars and curated wine cellars. And then there’s Ponant’s luxury yachts – sleek and incredibly stylish French sailing yachts.

A helicopter soars above the sea, with a sleek cruise ship gliding in the distance. — See the Kimberley from sky to shore.

6. The adventure continues with pre- and post-cruise experiences

You’ve already come this far – so, why not go further? Broome makes it easy to ease in before you board, or wind down when your voyage ends, and there is no reason to stop there.

Head an hour and a half south to Eco Beach to stay off-grid and off the clock. Join a Yawuru guide for a mangrove walk or ocean forage. Dive even deeper into Broome’s pearling past at Willie Creek or Cygnet Bay, where divers and craftspeople still pull the seawater-slicked gems from the deep.

If you’re still craving adventure, it’s time to go further. Soar over the Buccaneer Archipelago, or detour inland with a 4WD trip along the Gibb River Road. Book a scenic flight over the Bungle Bungles. Or – because you never know when you’ll be back – do all three.

aerial of people walking on eco beach in the kimberley western australia — Stay off grid at Eco Beach. (Image: Tourism WA)

Find out more about your trip to Australia’s North West at australiasnorthwest.com .

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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