Travel insurance: 9 things you MUST know…

Quentin Long Quentin Long
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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.   

Need tips, more detail or itinerary ideas tailored to you? Ask AT.

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Quentin Long
Quentin Long is the Co-Founder and Managing Director of Australian Traveller Media. Quentin is a sought-after travel media commentator. He is Australia’s most trusted source for travel news and insights, having held weekly radio segments across the country since 2006, and regularly appearing on Channel 9’s Today and A Current Affair programs from 2010. Don't ask him his favourite travel experience as that's like asking him to choose a favourite child. However he does say that Garma Festival is the one travel experience that changed him the most.
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This hidden region in Victoria is home to a peaceful lake trail

    Craig Tansley Craig Tansley
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    Video credit: Tourism Australia

    From pink salt landscapes to oases fringed by forests of red gums, the lakes of this rural region are astounding. 

    You’re going to find peace and quiet when you take a road trip through the lakes of the Wimmera Mallee region. Whether it’s mirror-like pink salt lakes that look like an inland sea, or lakes fringed by forests of red gums that showcase Victoria’s arid beauty, there’s a lake for you out here somewhere.  

    1. Lake Tyrrell  

    Lake Tyrrell
    The colours of Lake Tyrrell blend into the sky. (Image: Visit Victoria/Anne Morely)

    Located in the dead heart of the Mallee, Victoria’s largest salt lake, Lake Tyrrell, is a landscape photographer’s dream – especially at sunrise and sunset when the pink salt flats look like a gigantic mirror. It’s easy to camp or park a caravan nearby, too, though the tiny town of Sea Lake is just south (with accommodation). In winter, shallow water covers the salt, creating surreal reflections of the sky.  

    2. Nhill Lake  

    There’s a permanent water source here, so there’s always plenty of water for water skiing, swimming and fishing (the trout and redfin fishing here is legendary). Located beside the pretty heritage town of Nhill with its main street of historic buildings, there’s options for eating and drinking right next door. There’s also a barbecue area with plenty of shady picnic spots and a boardwalk for walking around the lake.  

    3. Lake Bringalbert  

    Lake Bringalert
    Lake Bringalert is a great spot for aquatic adventures.

    Located south-west of the pretty Mallee town of Kaniva, Lake Bringalbert epitomises the best of ‘outback’ Victoria. It’s ringed by red gums and red mallee and feels completely hidden from the world – you’ll barely ever see another person. There’s basic camping on its foreshore and Kaniva offers more accommodation options. It’s the perfect lake for swimming, kayaking and skiing, and the stars at night come without even a hint of city glow.  

    4. Lake Hindmarsh 

    If you’re a bird fan, you’ll love Lake Hindmarsh. Located north of Dimboola, Victoria’s largest natural freshwater lake is like an inland sea full of pelicans, swans and numerous species of ducks – but it also teems with everything from spoonbills to parrots. Sunsets here will blow your mind – the lake is a mirror for the pinks and golds you’ll see on the horizon. There’s free camping spots along the foreshore if you’d like to really contemplate the magic of the lake.  

    5. Pink Lake 

    pink lake
    The Pink Lake is most vivid after rain. (Image: Visit Victoria/Anne Morely)

    Also known as Loch Lel, the summer months offer up some seriously vivid pink water colour at this lake north of Dimboola. The pink varies throughout the year, but is best after rain (hence why summer is the time to visit).

    pink lake
    Pink Lake, also known as Loch Lel, is located near Dimboola in the Grampians. (Image: Tourism Australia)

    There’s plenty of birds, including wedge-tailed eagles, but you’re as likely to spot big lace monitors, kangaroos and echidnas. Nearby, check out the uber-cute heritage town of Dimboola and its eclectic shops, and Little Desert National Park, full of walking trails through mallee heathland. 

    6. Lake Lascelles 

    Lake Lascelles
    You can camp at Lake Lascelles.

    On a hot summer’s day, there’s nowhere better for a cooling dip, kayak or boat ride. You can camp by the lake, or at powered caravan sites – or the pretty town of Hopetoun offers numerous accommodation options a short walk away. At night you’ll see the lights of Hopetoun reflect off the lake. Fish for yellow belly, redfin or catfish, or try water-skiing. There’s also a great walking trail around the lake, where there’s more birds than you can count.