Risk Management

Managing Risks of Travelling Overseas - Health

International travel can impact your health because it exposes you to changes in climate, temperature and diseases.  To minimise these health risks by taking few precautions before you travel. For the latest travel advice specific to your destination see one of our insurer’s Travel Advisor Page

Before travelling it is a good idea to consult a health professional to discuss the following:

  • Past Medical History
  • Vaccination Requirements
  • Pregnancy
  • Allergies
  • Medications
  • Pre-Existing Conditions
  • Disease Prevention

Travel Vaccinations

It is important that you discuss your personal travel plans with a health professional to ensure you have the correct for information on routine, required and recommended vaccinations for your trip and any booster doses of childhood vaccinations you may need.

Medications

Keep a list of all prescription drugs required whilst travelling and check with your doctor prior to departure. Before leaving Australia, you should check that your medications are legal in the countries you are visiting. You can do this by contacting the country's embassy or high commission.

Medicare Card

Medicare benefits are not available for treatment received overseas; however Australia has reciprocal health care agreements with some countries. These agreements do not replace the need for medical insurance for travel overseas. Details are available at the Medicare page of the Health Insurance Commission site.

Under the Reciprocal Health Care Agreement, as an Australian resident your are entitled to assistance with the cost of medical treatment in: Finland, the Republic of Ireland, Italy, Malta, the Netherlands, New Zealand, Belgium, Norway, Sweden and the United Kingdom. Australia's Reciprocal Health Care Agreements with these countries cover any medically necessary treatment you require which may arise while in that country.

The Travel Doctor

The TMVC websiteprovides vaccination advice, travel health advice, clinic details and current health alerts for overseas travel. If you have medical history, always carry summary of your medical history and your family doctors details with you. You should see your doctor to identify your specific needs.

Tips for long distance travellers

  • Do frequent leg exercise, move around the cabin, stretch and take deep breaths regularly while seated
  • Drink plenty of non-alcoholic beverages to prevent dehydration
  • Eat lighter to avoid bloating
  • Keep important medication with you in case your luggage goes missing.

Emergency Numbers

Take a list of any emergency numbers that you may require including any Emergency phone numbers  

Latest News

High Court dismisses Business Interruption Test Case

Today the High Court dismissed appeal by Insurers on the Business Interruption test case. Even the big insurers make silly mistakes! But you the policy holder may benefit if you were one of the 40% of Business Pack policy holders that added Business Interruption cover to their Business Pack. While it was never the intent of insurers to cover policyholders for the loss of income from a pandemic, the fact that insurers never factored in a risk premium for it, and the fact there is supposed to be a material or physical loss to trigger the Business Interruption section, none of that matters according to the highest Court in the land. So what was the mistake? Simply that when insurers defined what they considered to be the definition of an infectious disease, they referred to the Quarantine Act of 1908 which since was superseded by the Biodiversity Act of 2015. Because the Quarantine Act of 1908 no longer exists, apparently you cannot draw on this for a definition of an infectious disease? Not one of the insurers picked up on this! Shows how much interest we take on the business of Governments, except what is reported in the media.

read more

Three Years running - Insurance Brokerage of the Year 1 to 5 staff

Mandy and Robert Cooper were extremely honoured and astounded to once again win, Insurance Brokerage of the Year for 2020 from Insurance Business Australia magazine. This is the third year running.

While this year has not been the easiest of years for the business with Covid 19, the Recession, the hard market and issues at Lloyds of London, we are literally all in this together as an Insurance Industry.

CPR Insurance Services continues to make our clients the number one focus of our business while managing our relationships with Insurers, who we need more than ever in this market climate.

CPR Insurance Services are a highly ethical Brokerage with a reputation as a trusted advisor who always acts in the Client's best interests. Their experience, knowledge and expertise is amongst the highest in the industry.

CPR Insurance Services is now ten years old as a business and is proud of being an Authorised Representative of Ausure and their partnership with Steadfast, giving CPR the strength and backing to match it with any Broking firm in the Insurance Industry, but remain focussed on supporting the Small to Medium business segment.

Memberships of the National Insurance Brokers Association, Australia and New Zealand Institute of Insurance and Finance, Australian Insurance Law Association, Australian Professional Indemnity Group and the Australian Institute of Company Directors, ensures CPR Insurance Services maintains the high standard of knowledge and expertise required to be one of the best Brokerages in Australia.

CPR Insurance Services also plays a strong role in their local community supporting other Sporting Clubs and Community organisations. They also support and promote local businesses with their operation of the Kedron Brook Business Group who meet regularly and has 174 members.

We are truly honoured to receive this National award once again for the third year as a recognition of CPR Insurance Services contribution.

read more