Latest posts
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OVHC for Working Holiday Makers: Do You Actually Need It?
A working holiday maker staying with us once assumed her regular travel insurance would cover her for the whole year she planned to work here. It would not have, and she only found out because she asked first.
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Pre-Existing Conditions and Travel Insurance: What You Must Declare
A friend of mine skipped declaring a controlled but ongoing heart condition on her travel insurance, assuming it was “under control” and therefore irrelevant. She ended up in an Australian hospital with an unrelated injury, and the insurer still delayed her claim for weeks while investigating whether the undisclosed condition had any bearing on it.…
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Lost Your Passport in Australia? Here’s What to Actually Do
A guest of mine once had her bag, passport included, taken from a cafe table while she stepped away for thirty seconds. She spent the next week learning the hard way that “losing your passport” and “losing your Australian passport” are two completely different processes, and most guides online only cover the second one. Quick…
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Do You Need Travel Insurance for Domestic Flights in Australia?
I get this question a lot from visitors booking a Sydney-to-Cairns leg on top of their international trip: do I need separate insurance for that, or does my existing cover already handle it? The honest answer is it depends on what kind of cover you already have, and most people assume wrong. Quick answer: If…
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How to Make a Travel Insurance Claim in Australia: Step by Step
A visitor staying with us once had their camera stolen in Sydney and had no idea where to even start with the claim. It’s genuinely simpler than people expect, but only if you do a couple of things right at the time it happens, not weeks later. Quick answer: To claim on travel insurance in…
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OSHC Explained: The Health Cover Every Student Needs
I have had international students ask me if their regular travel insurance covers them for their whole degree. It doesn’t, and it’s not supposed to, student visas require something completely different. Here is the distinction that trips almost everyone up in their first week. Quick answer: If you’re in Australia on a student visa (subclass…
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What Travel Insurance Won’t Cover for Adventure Activities
A mate of mine tore his shoulder diving off Cairns last year and found out the hard way, three weeks before the trip, that his travel insurance didn’t cover it. He’d bought the cheapest policy he could find without reading past the headline price. Don’t be that guy. Quick answer: Standard travel insurance often excludes…
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Best Travel Insurance for Visiting Australia: A Complete Guide
I get asked about this constantly by friends visiting from overseas: do you actually need travel insurance for Australia? Short answer, yes — and here is exactly why, based on what I have seen catch people out. Quick answer: Yes, you need travel insurance for Australia — visitors are not covered by Medicare unless their…