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[T1271]Travel Insurance Direct Australia
by Patrick Chong, Pat

1. Byron

In 1824 the immoderate libertine found himself in Messolonghi, consorting with Alexandros Mavrokordatos on how best to recapture the Turkish fortress of Lepanto for Greece. Falling ill in mid-february he responded badly to the treatment of ‘bleeding', eventually developing a fever from which he never recovered. With the choice of repatriation offered by a basic travel insurance policy, would he have stayed and lost his life before the battle began? We will never know.

2. Hannibal

A nightmare proposition for any insurance broker. “You're taking those elephants where…?”. Still, most holiday insurance policies would have offered ample compensation for the loss of a third of Hannibal's army and most of his cavalry. With that kind of financial muscle, which was apparently unforthcoming from Carthage, very little would have stopped a march on Rome herself. Ah, what could have been…

3. Napoleon

Mired in snow and mud, starving hungry and marching towards an enemy that fled before their every approach, Napoleon's invasion of Russia in 1812 was as catastrophic an experience as the Frenchman had even known. With a monstrous trail of dead behind them the French took Moscow, only to find the city razed and barren. Now, if travel insurance premiums had been top of his concerns, who knows how Napoleon's plans would have developed? Perhaps, without finding a broker crazy enough to support him, le petit caporal would have stayed in Corsica and become a lawyer like his father. Or perhaps not.

4. William Buckley

With an astonishingly strong claim for ‘Worst Holiday Ever', we have William Buckley. Transported to Australia in 1803 for stealing a piece of cloth, Buckley and a group of fellow convicts managed to escape their prison ship onto the shores of modern day Victoria. By now alone and lost in an unreal landscape of venomous creatures he was taken in by the Wautharong Aborigines. After 32 years of an affectionate life amongst this new community he was rediscovered by a European settler ship in 1835. Officially pardoned and then hired as an interpreter he soon became disenchanted and left for Van Diemen's Land, where he lived until his death in 1856 in as much obscurity as he had lived. Madness, we say! He should have milked his holiday insurance for all it was worth and retired to a beach-side mansion in Queensland. If it had existed.

5. Odysseus

If there's anyone that could benefit from travel insurance, even cheap travel insurance, then it's Odysseus. What if the Trojans decided to press charges after he sneakily trashed their city with his wooden horse? Surely there's some mental trauma involved in trawling through Hades? Just how many shipwrecks was this man involved in? Slaughtering the cattle of the sun-god Helios was definitely a bad choice too. Now, he may be mythical, but these are things that concern a dedicated insurance broker and all we're saying is that if he'd had the support of a decent policy behind him maybe it wouldn't have been such an Odyssey afterall.


On January 1, 2009, major changes will take effect to alter the way travel insurance is sold. The changes will apply to companies selling it as part of a holiday package, such as travel agents, tour operators, coach companies and airlines. It will also affect outlets such as retail shops, chemists, supermarkets and the Post Office. Many of these companies are already in compliance with government regulations to sell other products. However, a double standard has existed regarding the way they have sold insurance because 'stand-alone' companies (which only sell travel insurance) have been required to comply with FSA regulations since 2005.

The UK's financial watchdog, the Financial Services Authority (FSA), will take over regulation of the sale of travel insurance in the United Kingdom as of January 2009. From January 1, it will only be available for purchase through FSA-regulated agents. Small travel agencies and tour operators may not be able to justify the expense or time involved in the complicated process of complying with FSA regulations. These companies may have no alternative but to refer their clients to FSA-regulated brokers and agents.

The news has not been welcomed by many package holiday operators, some of whom believe their agents are suitably trained and qualified to sell the insurance. However, evidence suggests that not all companies have done such a good job. The government has been under pressure to enact this new law because of past insurance-related problems. Many consumers were exposed to potential harm while travelling because they were not properly advised of the limitations of the policies they were purchasing.

One of the most significant areas of concern has been regarding exclusions for pre-existing medical conditions. If a policy is sold without the disclosure of pre-existing medical conditions the result could be the denial of all related claims in the event of a problem. Another area that has caused concern has been failure to inform customers that they may need to obtain additional cover for hazardous sports activities. Some policies only cover activities organised and arranged by the tour operator or representative. When insurance is sold as part of a holiday package, customers may, understandably, focus on the excitement and anticipation of the holiday and not pay due attention to the terms and conditions of the insurance policy. Unfortunately, many do not find out until it is too late.

FSA regulation will translate to a much more efficient service for customers. The seller will be bound by strict FSA principles and guidelines which require that customers must be treated fairly and have access to a structured complaints handling process. They will also have the benefit of the services of the Financial Ombudsman should any disputes arise which cannot be settled directly with the company.

Those travelling to European Union member countries are advised to obtain the European Health Insurance Card (EHIC) before departure. However, the EHIC is not a substitute for taking out a separate comprehensive travel insurance policy. The EHIC is of use in medical emergencies and accidents where free or low cost treatment may be available in participating countries. However, it does not provide cover for the myriad of problems that can arise during travel, such as lost luggage, theft of valuables, cancellation and curtailment of the trip, and emergency repatriation. Many people are not aware that neither a private policy nor the EHIC will provide cover for those who travel abroad with the specific intention of obtaining medical treatment.

Once FSA regulation is in place to oversee the way insurance is sold, customers are sure to be better informed before they set off. Currently, it is believed that approximately ten to fifteen percent of travellers depart on trips without taking out insurance. This translates into millions of uninsured and vulnerable people visiting foreign countries each year. It is hoped that consumer confidence in the insurance industry and general awareness of the importance of travel insurance will receive a boost once it has been stamped by the impressive footprint of the FSA.
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Both Patrick Chong & Jean Andrews are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Patrick Chong has sinced written about articles on various topics from Travel Insurance, Travel and Leisure and Travel Insurance. Patrick Chong is the Managing Director of Journey's Travel. Their commercial travel insurance website, Insuremore, offers and a quick and easy online. Patrick Chong's top article generates over 60500 views. to your Favourites.

Jean Andrews has sinced written about articles on various topics from Travel and Leisure, Travel Insurance and Ski. Jean Andrews is a freelance writer living in the UK. She regularly contributes articles for TIA Ltd who offer at great prices online.. Jean Andrews's top article generates over 27100 views. to your Favourites.
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