Get Travel Insurance
Don't Let An Accident or Travel Delay Wreck Your Holiday - Insure Now!
Our Travel Insurance Provider is Travellers Assistance. Some of the factors you might wish to consider if you purchase a Travellers Assistance policy through Northern Highland Travel are listed below for your convenience.
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This section covers some of the basic questions we have been asked about the travel insurance. Please read the product disclosure statement produced by Travellers Assistance for up-to-date information regarding current prices, terms and conditions.
Why purchase Travel Insurance?
Travel insurance provides cover for the unexpected events that may disrupt your travel arrangements. Whilst, medical and ancillary expenses are not covered by Domestic travel insurance (these are often covered by Medicare or your private health fund), a comprehensive domestic travel insurance policy should include cover for forfeited prepaid travel arrangements, additional expenses incurred as a result of an illness or injury or delays or alterations in the itinerary beyond the control of the carrier (in this case our coach company) and the loss, theft or damage of luggage. Make sure to check the Product Disclosure Statement & Policy Wording of any travel insurance you purchase to ensure it provides comprehensive cover.
If you have not already purchased travel insurance, we can provide Travellers Assistance Travel Insurance. The price for comprehensive travel insurance varies based on the length of your trip. Please call us for a quote.
Know what you are getting with your Travellers Assistance Travel Insurance. Please read the Travellers Assistance travel insurance Product Disclosure Statement and Policy Wording for details of the full terms and conditions of your policy.
The following is just a summary of some common questions that we have been asked about travel insurance. If you have a specific question, please contact us.
When should I apply for cover?
As our cancellation fee starts at $50 per person, apply for cover as soon as you pay your deposit. In any case, you should definitely take out insurance as soon as you have less than 80 days before your trip departs, as this will ensure that all paperwork is completed 60 days prior to the tour departing when cancellation fees become higher. It is better to be too early than too late.
What is the Excess?
If you do have to claim on your travel insurance policy, there will be an excess per claim. (No excess-Domestic travel) This means that if your claim is successful, Travellers Assistance will reimburse you for the full cost of your loss, less the excess (it works just like car insurance). The excess amount can be removed on the International policies by paying an additional premium.
Do I have to pay extra if I am over 70 years?
Yes, the premiums do increase for travellers over 70 years of age. An extra premium may also apply to cover some Pre Existing medical conditions.
Is Insurance Cover Automatic if I am over 70?
Yes, however travellers 81 years and over must have a mature age medical form completed by their doctor and receive approval before a policy can be issued.
What is an Existing Medical Condition?
An existing medical condition is:
a. An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;
b. A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including Dentist or Chiropractor)
c. Any condition for which you take prescribed medicine;
d. Any condition for which you have had surgery;
e. Any condition for which you see a medical specialist; or
f. Pregnancy
You are automatically covered if your Pre-existing Condition is described below, provided that you have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months.
• Acne
• Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever
• Asthma-providing that you are less than 60 Years of age at the time of application and/or have no other lung disease.
• Bells palsy
• Benign Positional Vertigo
• Bunions
• Carpal tunnel syndrome
• Cataracts
• Coeliac disease
• Congenital blindness/deafness
• Diabetes mellitus types 1 and 11- providing you were diagnosed over 12 months ago, have no eye, kidney, nerve or vascular complications and do not also suffer from a known cardiovascular disease, hypertension or hypercholesterolaemia.
• Dry eye syndrome
• epilepsy - providing there has been no change to your medication regime in the past 12 months
• Folate Deficiency
• Gastric Reflux
• Goitre
• Glaucoma
• Graves Disease
• Hiatus Hernia
• High cholesterol (hypercholesterolaemia) Provided you do not also suffer from a known cardiovascular disease and/or diabetes.
• High lipids (hyperlipidaemia) Provided you do not also suffer from a known cardiovascular disease and/or diabetes
• Hypertension (high blood pressure) Provided you do not also suffer from a known cardiovascular disease and/or diabetes.
• Insulin resistance, impaired glucose tolerance
• Incontinence
• Menieres disease
• Macular Degeneration
• Menopause
• Migraine
• Nocturnal cramps
• Osteoporosis
• Plantar fascitis
• Raynauds disease
• Sleep apnoea
• Solar keratosis
• Trigeminal neuralgia
• Trigger finger
• Vitamin B12 Deficiency
If you or any member of your travelling party have an existing medical condition you require cover for, you must apply to Mondial. Please note claims arising out of or exacerbated by existing medical conditions are not claimable unless you have applied for cover and it has been approved by Mondial and you have met any special terms imposed ie paid any additional amounts. Remember, even if your existing medical condition is not approved for cover, Mondial may still offer you a policy for claims unrelated to your existing medical conditions.
What about if one of my family is ill, and I am worried about having to cancel my tour to look after them?
You are only covered for claims which arise from a Pre-existing Medical Condition suffered by a relative that is hospitalised or dies in Australia after the policy is issued and at the time of the policy issue you were unaware of the likelihood of such hospitalisation or death. The most we will pay in respect of all claims under all sections of the policy is $2000 for a Single Plan and $4000 for a Family Plan.
How do I fill in my Travellers Medical Appraisal Form?
If your condition is not one of the conditions listed above that are covered automatically then you can complete a Medical Declaration form for assessment. All Travellers 81 years and over must have this form completed by their Doctor.
How will Mondial Assistance Assess my Existing Medical Condition?
Mondial Assistance will assess your medical condition based on a number of factors like the nature of your condition and the type of trip you intend to undertake. If you are assessed for existing medical conditions, there are three possible outcomes;
a) Mondial Assistance may provide cover for Existing Medical Conditions, either in full or on a restricted basis. A Travellers Appraisal Number will be issued and you will be advised of any additional amount payable, or
b) Mondial Assistance will advise you that they are unable to insure some or all of your Existing Medical Conditions, or
c) Mondial Assistance may offer altered terms and conditions to the policy, such as a higher excess on claims.
If my or my partners existing medical condition attracts a loading, do we have to pay to cover both of us, even if only one of us has the existing medical condition?
If there is only one person with an existing medical condition, you only need to pay one loading. This amount will cover both of you if one of you is unable to complete a tour as a result of an existing medical condition.
How do I apply for Travel Insurance? And Who do I send my forms and payment to?
If you choose to purchase your travel insurance from us, you can click on the links on this page and you will be directed to a secure website which has full product disclosure statement and other documentation available for you to read. Please fill on the online form and you can make your payment directly online. Please note if you have a pre-existing medical condition you cannot purchase travel insurance online, however you can print out the forms to ensure so that you can fill them out for lodgement before visiting our office. If, for privacy reasons, you do not wish to send your medical appraisal form to us, you can fax it directly to Mondial Assistance at 07 3305 7006.
Alternatively please contact us and we will send you a brochure with a full product disclosure statement. You then complete the application form at the back of the Travellers Assistance Insurance Brochure, and if necessary please fill out the Traveller’s Medical Appraisal Form.
Once you have filled out the forms, please send them with your cheque, money order or credit card payment to Northern Highland Travel.
If you decide not to take out travel insurance with us, if you are travelling on one of our tours, you need to fill out the WAIVER form on the back of your Northern Highland Travel Booking Sheet. This lets us know you have been advised of the availability of travel insurance, and whether or not you have purchased a policy for your trip.
CONTACTING US:
If you have any queries, please contact your Northern Highland Travel travel adviser at the address below:
Our Contact Details:
Northern Highland Travel Pty Limited
Trading as Northern Highland Travel
ABN: 28 093 925 083
Authorised Representative No: 261391
5 Spotted Gum Grove
Thornton NSW 2322
Phone: (02) 4966-0465
Email:
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