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If you cannot afford travel insurance, you cannot afford to travel - do what we travel professionals do, ALWAYS take Travel Insurance. Many travellers do not take out travel insurance believing "it won't happen to me." As travel agents we know it can, and does happen to many travellers across the world! Some important points to consider are - Many coach touring companies will now not let you depart on a tour if you do not have sufficient travel insurance. This includes renowned companies such as Trafalgar Tours, Contiki Columbus and Cosmos. Medical costs can be very expensive when travelling internationally (i.e. over AUD$180 for a GP visit in the USA). Medicare does not cover you in most overseas countries. Contact Medicare to see which countries we have reciprocal medical cover with. Below we have listed different claim examples to demonstrate why travel insurance is necessary; some have nearly reached $750,000. Medical costs In the UK: Aussies are covered on a reciprocal basis with the NHS (and our Medicare), true but not the costs of medicines unless in hospital itself. Plus repatriation to Australia is not covered either. Travel Tales - Holidays from Hell (Courtesy of Covermore Insurance)Incident - Head Injuries Country - Britain Age - 22 Cost of Claim - $116 962 In England a 22-year-old women suffered critical head injuries as a result of falling down stairs. After 42 days in hospital (free of charge) she was finally repatriated to Australia. The aerial repatriation required a stretcher, oxygen, a doctor and a nurse as escorts. The insurance company also paid for a parent to fly to England and the parent's accommodation while the client was hospitalized. Costs included additional expenses; cash in hospital, money (missing from person) and permanent disability benefit. Incident - Collapsed Toilet Country - Vietnam Age - 52 Cost of Claim - $60 000 An air ambulance was required to conduct an emergency evacuation of an Australian businessman from Vietnam to Singapore for urgent surgery after a toilet gave way underneath him causing severe lacerations and resulting in potentially terminal infection. After 7 days of treatment and recuperation he was transferred back to Perth. Costs included medical, evacuation and additional expenses. Incident - Angina/Stroke Country - USA Age - 69 Cost of Claim - $725 111 During a six-week tour of the US a recently retired businessman was rushed to hospital suffering from severe angina requiring immediate coronary artery bypass surgery. Five days after the surgery the client suffered a stroke and vital organ failure. The client remained in hospital for another 30 days and required life support. He was later repatriated with an intensive care doctor and intensive care nurse. Costs included medical, evacuation and additional expenses. Incident - Meningitis Country - Britain Age - 24 Cost of Claim - $211 073 While travelling in southern Europe a previously fit and healthy 24-year-old contracted meningitis. He was subsequently evacuated to England where he spent six weeks in hospital. Costs included medical, evacuation and additional expenses. Incident - Malaria Country - China |
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