Travel Insurance FAQs
The best time to buy your travel insurance policy
A policy can be purchased anytime leading up to your departure date. Because Flight Centre policies includes cover for cancellation costs on most of their plans and cover starts from the time the policy is purchased, it's a good idea to purchase right away to take full advantage for this benefit. Doing this means if you become ill and unfit to travel before you go away, any non-refundable money paid is covered.
Choosing the right policy
When buying any insurance policy you should always carefully consider the Product Disclosure Statement to see if it's right for you. This will give you a full rundown on what you're covered for and more importantly, what you're not covered for. Some things to look out for include:
What will I be covered for?
With the level and type of cover varying between them, every travel insurance policy is different. You should carefully consider the Product Disclosure Statement before deciding if the policy is right for you.
Will I be covered for adventurous activities?
Many adventure pursuits have an increased level of risk. If you are a bit of a dare devil, you will be happy to know AIG Travel Guard automatically cover a variety of adventurous and sporting activities in their policies. These include bungy jumping, scuba diving, skiing plus many more. So you can have the confidence to experience more and worry less. Contact your consultant to confirm if your adventurous activity will be covered.
What if I'm travelling with kids?
A family holiday can work at to be expensive, but your insurance doesn't have to be. All policies are different. At Flight Centre most of our insurance plans offer free cover for children as long they are under 21 and not in full-time employment. So for an affordable price, you can have the security of knowing your family are in safe hands.
If I want to buy extra coverage for a valuable item, what do I do?
At Flight Centre, our policies give you the option to increase the standard level of cover for cameras, video cameras, laptops and other items. You will need to provide a valuation or the purchase receipt for the item you wish to insure. The extra cover can then be added to your policy.
Is there an excess on travel insurance?
With AIG Travel Guard there is no excess on all benefits.
What if I plan on working overseas?
If you're planning a business trip or working holiday, make sure your travel insurance policy offers adequate cover. Flight Centre has a range of policies for both business travellers and travelers who plan on finding work whilst overseas. Whether you are on a tight budget or you're looking for a premium policy that includes cover for your new laptop, we can help.
What if I plan on travelling more than once this year?
If you plan on getting away more than once this year, a multi-trip plan could be a cheaper and more convenient option for you. AIG Travel Guard’s Annual policy allows you to enjoy the benefit of unlimited travel insurance cover for one year, for one premium. If you are unsure whether a Single Trip or Annual Policy plan is best for you, please phone 2830 2899 and a Flight Centre travel consultant can assist you.
Can I extend my insurance whilst I am overseas?
If you purchased a single trip policy through Flight Centre and wish to lengthen your trip while you're away, you can phone 2830 2899 to extend your policy. You simply need to contact the agent you purchased the original policy from before it expires and provide them with your new return date. Then a new policy for the remainder of your time away can be arranged. It's as easy as that.
What do I do if I have an existing medical condition?
If you suffer from a medical condition it is important you seek out the right cover. The policies available at Flight Centre automatically cover some medical conditions. If your medical condition falls outside this auto accept list, your condition can be assessed and cover can be provided for an additional premium. If you need further information please phone 2830 2899.
If I am pregnant, is there anything I need to be aware of when taking out travel insurance?
Make sure you check out whether the policy you're considering taking offers adequate cover for you. If there have been complications with this or any previous pregnancy or the conception was medically assisted, you will be required to complete an Assessment Form prior to cover being considered. AIG Travel Guard policies do not cover childbirth or the health of a newborn child, irrespective of the stage of pregnancy at which the child is born.
What happens if things go wrong?
If something goes wrong in a foreign county, the experience may be very confusing, complex and costly. Check whether your travel insurance policy gives you access to a 24 hour emergency assistance team. Whether you become seriously ill and need to be hospitalized or simply lose your passport and are stuck, every AIG Travel Guard policy gives you access to a 24 hour Emergency Assistance team. This team can offer you practical support and guide you through your crisis 24 hours a day, 7 days a week, 365 days a year. You can rest easy knowing that with an AIG Travel Guard travel insurance policy, you're never alone in your moment of need.
How do I make a claim?
After purchasing an AIG Travel Guard policy, if you encounter difficulty overseas and wish to make a claim you will need to complete a Claim Form. When filling out the form, take care to provide as much detail and supporting evidence as possible regarding the 'event' you are claiming for.
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