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Whether you travel a lot or just a little, you need to have traveller’s insurance.  Some areas require you have this insurance, while others allow you to decide whether you want to buy it or not.  What does travel insurance do for you?  There are various levels of insurance coverage depending on your level of travel.  This is an overview of the insurance plans and what is covered.

• Comprehensive International:  Plan A – This includes a comprehensive type of coverage for international travelers.  Coverage includes substantial cancellation, loss of luggage and medical.  
• Australia Travel Only:  Plan B – Here you are covered for domestic travel within Australia only.  This is not a medical coverage plan.  You are covered for lost luggage and cancellation or disruption in your travel arrangements.
• Budget Coverage:  Plan C – This is a cost effective budget travel insurance policy that covers you if you travel overseas.  This is medical and repatriation coverage only.  You may be required to purchase this insurance before you travel outside of Australia (this may depend on your country of arrival).
• Frequent Traveler Coverage:  Plan D – You can purchase this MyCover travel insurance if you are a frequent or business traveler.  It provides you with comprehensive coverage for multiple trips throughout a full year.  It includes medical, cancellation fees and/or lost deposits, accidental death, cash theft and loss of luggage.

The coverage you purchase is only active during your travel.  When you return home it is no longer active.  This includes all levels of coverage.  Even the frequent traveler insurance coverage covers you only during your journey and ends when you return home.  That is why it is called traveler’s insurance.  There are so many things that can happen when you travel that you should be covered in case of any of these things that could happen like losing your luggage, accidental death or getting sick while traveling outside the country.

It isn’t as if you should be overly concerned about anything bad happening, but there’s nothing wrong with being prepared.  MyCover travel insurance offers the best in coverage for various types of travel so you can choose according to your situation.  Traveler’s insurance gives you peace of mind.