Leisure Travel

What is it?

It has become much easier for us to travel around the world, but there are risks that we need to be aware of, that can cost us dearly and impact the rest of our lives.

Many of these risks can be protected with a broad insurance coverage we call Leisure Travel Insurance. We can insure that one off trip.

You can also find this cover already included in many Corporate Travel Policies, that are annual renewable policies for regular business travellers. They often include partners or family accompanying them and the odd personal trip as part of the cover.

However, for the rest of us, we often have to take out our own personal cover.

What does it cover?

These are typical sections you can find in many policies. However, the limits do vary and can also be tailored to suit your particular needs:

  • Death & Capital Benefits
  • Weekly Accident benefit 85% of Salary
  • Overseas Medical Expenses Unlimited for 12 months
  • Additional Expenses
  • Baggage
  • Money (cash)
  • Loss of Deposits
  • Kidnap & Ransom
  • Hire Car Excess Expenses
  • Personal Liability
  • Security Evacuation Cover

Why do you need it?

If you are overseas and you are involved in a Car Accident or taken ill suddenly, yes you may be taken to a hospital to be treated, but this is not free. The Hospital will want to be paid for the treatment given. In some parts of the world, these costs are astronomical and will insist on payment upfront before they incur further expenses. If you are fit enough to travel, you still may need special assistance to be brought home. Repatriation costs are also not cheap. Can you or your family afford this?

Then what if you become ill after booking the trip but have not travelled yet. Being indemnified for any loss of deposits will assist in getting that money back so you can afford to book at a later date rather than lose it.

Then there is the real risk of Kidnap and Ransom in many countries. The Australian Government will not pay your ransom. If you end up dying, who will pay to bring back your body to Australia, or even the Funeral Expenses to be buried overseas.

Then there are the risks of Baggage being lost or stolen, how do you replace it? With all your travel money leaving you nothing for the rest of the trip? Then there are the other issues like paying an excess on the Car Hire following an accident, having your money stolen.

Who can help?

CPR can provide advice and assistance in this area of cover. You need to be aware of the limitations of these covers, particularly if a Mature Age traveller or you have pre-existing medical conditions. Some insurers cater better for these than others even though they all have one thing in common, you must be medical fit and cleared by your Medical Practitioner to Travel.

We can help you with the fine print.

For a straight out quick and easy quote, you might like to try this button here and obtain an instant quote:

This link enables our clients to obtain the following policies:

  • International
  • Domestic
  • Frequent (Annual) Travellers
  • Travellers aged over 70

Comprehensive Benefits Include:

  • Unlimited Medical
  • Unlimited Cancellations
  • Luggage up to $38,000
  • Access to Travel Guard in an emergency
  • Plus many more

Check the policy carefully, particularly the policy exclusions and conditions, to make sure it suits your needs, otherwise, give us a call for assistance.

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