{"id":216,"date":"2016-07-29T03:36:00","date_gmt":"2016-07-29T03:36:00","guid":{"rendered":"http:\/\/oiscms.techartglobal.com\/insure4less\/policies\/medical-travel-insurance\/"},"modified":"2023-11-29T01:22:30","modified_gmt":"2023-11-29T01:22:30","slug":"medical-travel-insurance","status":"publish","type":"page","link":"https:\/\/cms.chaseois.com.au\/insure4less\/policies\/medical-travel-insurance\/","title":{"rendered":"Medical Travel Insurance"},"content":{"rendered":"<h1>Medical Travel Insurance<\/h1>\n<p>There is a large proportion of the travelling public who only want to insure large risks. They aren\u2019t concerned about covering smaller items such as travel delay, cancellation and baggage. They are, however, concerned about covering the high cost of their medical expenses should the worse happen and they are involved in an accident or fall seriously ill while in a foreign country. For these travellers, medical travel insurance can provide the level of protection and peace of mind you\u2019re looking for.<\/p>\n<p>Overseas medical expenses take up the lion\u2019s share of travel insurance claims and as medical costs rise significantly more than inflation each year, they are becoming an increasing proportion of the cost. By cutting out other sections of cover you don\u2019t need, there are significant savings to be made by just buying medical travel insurance \u2013 without all the extras.<\/p>\n<p>So if you\u2019re looking for a medical travel insurance policy that only covers medical expenses, insure4less has an affordable solution to keep you safe while you\u2019re travelling.\u00a0 This is especially important if you have an\u00a0existing medical condition.\u00a0Our process is simple;<\/p>\n<ul>\n<li>Enter your travel details<\/li>\n<li>Answer some simple questions about your medical background &#8211; no medication details needed<\/li>\n<li>If you have a condition, answer some questions about the condition. You can have any number of conditions<\/li>\n<\/ul>\n<p>We will then immediately tell you if:<\/p>\n<ul>\n<li>Cover is automatically included at no extra cost<\/li>\n<li>If there\u00a0 is an extra premium to be paid to cover the condition<\/li>\n<li>Or if we are unable to offer cover<\/li>\n<\/ul>\n<p>To get a quote, simply fill out the Quick Quote form to the right. If you\u2019d like more information about our medical travel insurance policy, feel free to send us an email at <a href=\"mailto:travel@insure4less.com.au\">travel@insure4less.com.au<\/a> and one of our travel insurance specialists will be happy to answer any questions you have.<\/p>\n<p><strong>Do you have a pre-existing medical condition and want to find out more, please visit our <a href=\"https:\/\/www.insure4less.com.au\/page\/medical-conditions\/\">Pre-existing Medical Conditions<\/a> information page.\u00a0<\/strong><\/p>\n<h2>Overseas Medical Costs<\/h2>\n<p>Medical costs can vary between regions and countries. The USA and Singapore have the highest medical costs in the world, while countries such as Spain aren\u2019t that far behind.<\/p>\n<p>Insure4less has helped countless Australian travellers get the treatment they need in an emergency medical situation, and we look forward to being able to help countless more.<\/p>\n<p>We have recently paid claims such as:<\/p>\n<ul>\n<li>$100,000 \u2013 Mexico \u2013 Stroke following a tick bite<\/li>\n<li>$81,000 \u2013 Bali \u2013 Embryotic stroke with evacuation to Singapore<\/li>\n<li>$80,000 \u2013 Bali \u2013 Appendicitis<\/li>\n<li>$264,000 \u2013 Cambodia \u2013 Broken arm that became infected<\/li>\n<\/ul>\n<p>Despite costs such as these, there are still a large number of Australians who do not take out travel insurance when travelling overseas. Many of those who don\u2019t take out insurance and end up in debt have to sell their homes just to pay it off.<\/p>\n<p>The reduced cost of buying medical travel insurance upfront is a small price to pay for the peace of mind that it brings. While it doesn&#8217;t\u00a0provide complete cover, it does cover the most important (and most expensive) part of travel insurance \u2013 your medical costs, and by extension, your health.<\/p>\n<h2>What We Cover<\/h2>\n<p>At Insure4Less, our medical only travel insurance policy provides <strong>unlimited cover for overseas medical expenses.<\/strong> This includes:<\/p>\n<ul>\n<li>Emergency medical, surgical and hospital treatment and necessary transportation<\/li>\n<li>Emergency dental treatment to natural teeth (such as treatment for an infection or broken tooth), up to the specified limit.<\/li>\n<li>Repatriation to your home country (including air ambulance)<\/li>\n<li>Travel and accommodation expenses required to return home if you are unable to continue with your trip as planned<\/li>\n<li>Additional travel and accommodation expenses for a family member or friend to stay with you and accompany you home<\/li>\n<li>A funeral or returning your remains to your home country if you die<\/li>\n<\/ul>\n<p>Our <strong>24\/7 medical emergency service<\/strong> is also available to all policyholders.<\/p>\n<p>Contact our team of medical professionals at any time, from anywhere in the world, for immediate assistance with finding treatment in the country you\u2019re in, paying hospital and medical bills, interpretation in non-English speaking hospitals and medical centres, repatriation to your home country and any other issues relating to medical treatment while you\u2019re in a foreign country.<\/p>\n<p>We know that your health is your priority, and we make it ours too.<\/p>\n<p>For more specific medical travel insurance policy information, please refer to the <a href=\"https:\/\/quote.insure4less.com.au\/pds\/\">Product Disclosure Statement<\/a>.<\/p>\n<h2>Medical Exclusions to your Policy<\/h2>\n<p>Every type of travel insurance policy contains exclusions, and it\u2019s very important that you are aware of these before you travel. In a medical travel insurance policy, these exclusions generally include:<\/p>\n<ul>\n<li>Any medical expenses incurred in Australia<\/li>\n<li>Any expenses resulting from a pre-existing medical condition (unless we\u00a0agreed to do so when you purchased your travel policy)<\/li>\n<li>Any dental treatment to non-natural teeth, such as dentures, prostheses, bridges or crowns<\/li>\n<li>Cosmetic dentistry treatments<\/li>\n<li>Any medical care covered under a Reciprocal Health Care Agreement (RHCA)<\/li>\n<\/ul>\n<p>For a full list of exclusions or more information regarding your specific policy, please check your PDS or send us an email with your enquiry.<\/p>\n<h2>What about Reciprocal Health Care Agreements?<\/h2>\n<p>Australia has a Reciprocal Health Care Agreement (RHCA) with a number of countries around the world, including New Zealand, the UK, Ireland, Finland, Sweden, the Netherlands, Norway, Italy, Belgium, Slovenia and Malta.<\/p>\n<p>These agreements entitle Australian residents to subsidised healthcare treatment in an emergency when visiting any of these countries. However, it\u2019s important to be aware that these agreements <strong>do not<\/strong> cover everything and should be combined with medical travel insurance to ensure you\u2019re fully protected.<\/p>\n<p>RCHAs specifically do not cover:<\/p>\n<ul>\n<li>Ambulance<\/li>\n<li>Paramedical services<\/li>\n<li>Dental treatments<\/li>\n<li>Treatment or accommodation in a private hospital or as a private patient in a public hospital<\/li>\n<li>Medical evacuation back to Australia<\/li>\n<li>Treatment that isn\u2019t immediately necessary<\/li>\n<li>Funerals<\/li>\n<\/ul>\n<p>As you can see, most of what isn\u2019t covered by an RHCA is covered under a medical travel insurance policy. Relying solely on an RHCA could leave you considerably out of pocket in a medical emergency, so if you\u2019re travelling to one of these countries, medical travel insurance is vital to make sure all your bases are covered.<\/p>\n<p>You can find out more about RCHAs and your entitlements in participating countries at the <a href=\"https:\/\/www.humanservices.gov.au\/customer\/enablers\/participating-rhca-countries\">Department of Human Services<\/a>.<\/p>\n<h2>Don\u2019t Take the Risk \u2013 Take out Medical Travel Insurance Instead<\/h2>\n<p>If you\u2019re travelling on a budget, medical travel insurance will give you the standard protection you need without all the extras. Overseas medical costs can be painfully expensive, leaving you with a huge debt on top of an overwhelming medical emergency. So don\u2019t risk it \u2013 protect yourself with no-frills travel insurance that focuses on what\u2019s most important.<\/p>\n<p>Invest in your health and get a quote for affordable medical travel insurance from insure4less today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Medical Travel Insurance There is a large proportion of the travelling public who only want to insure large risks. They aren\u2019t concerned about covering smaller items such as travel delay, cancellation and baggage. They are, however, concerned about covering the high cost of their medical expenses should the worse happen and they are involved in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":201,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/cms.chaseois.com.au\/insure4less\/wp-json\/wp\/v2\/pages\/216"}],"collection":[{"href":"https:\/\/cms.chaseois.com.au\/insure4less\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cms.chaseois.com.au\/insure4less\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cms.chaseois.com.au\/insure4less\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cms.chaseois.com.au\/insure4less\/wp-json\/wp\/v2\/comments?post=216"}],"version-history":[{"count":1,"href":"https:\/\/cms.chaseois.com.au\/insure4less\/wp-json\/wp\/v2\/pages\/216\/revisions"}],"predecessor-version":[{"id":318,"href":"https:\/\/cms.chaseois.com.au\/insure4less\/wp-json\/wp\/v2\/pages\/216\/revisions\/318"}],"up":[{"embeddable":true,"href":"https:\/\/cms.chaseois.com.au\/insure4less\/wp-json\/wp\/v2\/pages\/201"}],"wp:attachment":[{"href":"https:\/\/cms.chaseois.com.au\/insure4less\/wp-json\/wp\/v2\/media?parent=216"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}