Excited about the much awaited international trip? Well, the most important item to put a tick against in your checklist is – acquiring international travel insurance.

Unarguably, you would need an insurance policy to cover for your international trip. Immaterial of the fact that you are going overseas from Australia for work, business, family function, or pleasure, you would need a cover to protect you from unanticipated expenses due to unforeseen circumstances.

Broadly, your insurance policy should cover:

• Medical Coverage
  This policy would cover health and dental expenses in case you fall sick during the trip and need medical intervention. Also, there is medical evacuation coverage which comes in handy if you are going trekking on an isolated area, or similar circumstances. Evacuating you due to injuries through a helicopter would prove extremely expensive, and in such scenarios the adventure seekers would not second guess the importance of this policy. Also, accidental death and dismemberment that covers the entire period of your trip. All these policies have their own variables for age, existing medical conditions, etc., which need careful evaluation.
• Trip Protection

It mainly covers flight cancellation, delay, and interruption. Cancellation of trip due to your ill health of your own self or your family members would be covered under this, and complete amount would be reimbursed. Also, in case your flight is delayed because of unpredictable weather circumstances, your hotel accommodation and expenses due to the delay would be covered.

• Luggage/ Car Rental Protection
  Damage of personal items in the luggage during your trip, or damage to your rental car, would be covered under this policy type. There could be a fine print on the inclusions of personal items that could be covered, which needs careful consideration and evaluation by the policy holder.

Few insurance providers may also offer travel assistance that includes information on local doctor, transport, translator, etc. Also, it might include a 24×7 helpline, accessible to you for all your queries.