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Why you need travel insurance

Everybody needs help sometime in their life and it pays to have that help on hand when you really need it. Our travel insurance partner, Allianz Global Assistance is easily contactable 24/7 and can help no matter where you are in the world.  This type of help is just a small price to pay compared to the thousands of dollars worth of unexpected bills you could get.  You can't afford to travel without it - check out why we think so below.

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Let’s be honest, even if you’re only travelling for a few days, if something unexpected happens while you’re away from home it can be expensive. Really expensive. And we’ve all heard the horror stories – from tsunamis to medical emergencies, or simply getting your passport stolen – it happens.

If you need some concrete examples of ‘what if’, here are our top five reasons to get travel insurance gathered from our STA Travel team’s experiences.

1. “I have never been so sick in all my life.”
Whether it’s dodgy street food, bad water or simply that your stomach can’t stomach foreign cuisine, when you get sick overseas you want to be able to get better quickly so you don’t waste your holiday lying in bed. Sam, our resident marketing guru here at STA Travel, was thankful for her travel insurance as it allowed her to get herself to hospital quickly, see an English-speaking doctor and get the required follow up care when she was in Europe. The average hospital emergency visit in the Netherlands is €250 – a cost that is easily covered by comprehensive travel insurance.

2. “I didn’t even notice my bag was opened... now I have no passport or cash.”
Pick-pocketers can strike even the most security conscious traveller. Their methods are getting more and more sophisticated, and often you are completely unaware your bag has even been opened and your precious items are gone. Jess, one of our Travel Experts, was admiring the gorgeous architecture in Spain when she reached into her bag for water and noticed it was unzipped. Luckily with her travel insurance policy, the 24 hour Allianz Global Assistance team helped her with how to report the crime and get her emergency travel documents sorted.

3. “I took ‘break a leg’ literally.”
While you might be aware of the things that could happen while you’re overseas, you rarely consider what might happen BEFORE you leave that could result in you not being able to go on your adventure. Nat, a STA Travel store manager, was planning to head away on an exciting trip to South America, but a hike in the Waitakere Ranges before departure resulted in a broken ankle. Luckily, as she had purchased travel insurance when she booked her flights, she was covered for all non-refundable cancellation charges and could re-book her trip for a few months time.

4. “My iPhone swirled away down the toilet.”
Last thing you knew, your phone was tucked safely in your back pocket... now it’s underwater and you aren’t keen to retrieve it! It sounds strange but it happens more than you’d expect. STA Travel’s Rhiannon was stoked she had travel insurance to cover the cost of a new mobile phone after her lavatory incident on her recent trip to Aussie – especially with the ‘new for old’ benefit offered in her plan.

5. “It was just a sore hip.”
When you’re travelling for a long time or on your Big OE, you want to have insurance for all sorts of reasons. On Anna’s Summer Camp USA experience she had a bit of a sore hip, so just to be sure, she went with the camp doctor down to the local hospital. US$2000 later she’d had a raft of procedures and was sent home with anti-inflammatory pills, Ibuprofen... and a bouncy credit card. Thankful for her insurance plan covering working holidays, she was able to put in a claim and get her money back quick enough for her post-camp trip to Canada.
We know the types of incidents that happen quite often when you travel and we have great cover for the unexpected moments. Rest assured, we provide cover for emergency medical, dental and additional unforseen expenses; your luggage and personal items; travel delay costs and your lost or stolen travel documents and credit cards just to name a few (subject to terms, conditions, exclusions and limits. Refer to the Policy Wording for full details).

We understand holidays involve the fun stuff!

And that's why we provide cover for these activities and many more:

  • Abseiling/hiking
  • Bungy jumping
  • Canoeing/kayaking
  • Cycling/mountain biking
  • Deep sea fishing
  • Jet boating/jet skiing
  • Parasailing/paragliding
  • Quad biking
  • Skiing/snowboarding
  • Snorkelling
  • Surfing/windsurfing/kite surfing
  • White water rafting

(Subject to terms, conditions, exclusions and limits. Refer to the Policy Wording for full details).

Peace of mind for great value
You'll find you'll get great cover and value for money with our insurance, meaning you'll have more money to spend on the good times.

Want to extend your journey and your cover?
If you're having way too much fun on your journey, you can extend your cover with us for up to 12 months (subject to policy terms and conditions and you contacting us and obtaining approval prior to your policy expiring).

Compare our policies - cancellation/baggage, basic and comprehensive.

More information on Allianz Financial Strength rating and Overseas Policy Holder Preference

This insurance is issued and managed by AGA Assistance Australia Pty Ltd ABN 52 097 227 177 (Incorporated in Australia) trading as Allianz Global Assistance and is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 (Incorporated in Australia) trading as Allianz New Zealand. STA Travel arranges this insurance as agent of Allianz Global Assistance. You should consider the Policy Wording before making any decisions about your travel insurance policy. For further information on Allianz Australia Insurance Limited's financial strength rating, please refer to the Financial Strength Rating and Overseas Policy Holder Preference Disclosure Notice

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