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

Will you lose the value of a Broker?

If you listen to the Podcast on this link you will here Robert Cooper explain to his Accountant why Small Business stands to lose if Insurance Brokers are not there to advise start up businesses and established businesses about the risks their occupation carries and how they can deal with them. Simply because they will not want to pay the fees that would be charged. Currently instead, Insurance Companies pay the Broker after the Insurance has been placed with them. Perhaps the premiums will appear a bit cheaper in the first year? Then they will question the fees an Insurance Broker puts on top and finds they can go to the Internet and obtain the same cover at the same price. However, they will not have the constant advice and claims advocacy that comes with an Insurance Broker. The big loser is definitely the Consumer as direct insurers give absolutely no advice, only price.

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Robert Cooper - one of 100 faces of small business

This week it was announced as part of Small Business Week,  that Robert has been named one of the 100 faces of small business for a State Government promotion on the great value that small businesses play in the State of Queensland.

You can see Robert's entry here:

It is the third accolade for CPR Insurance Services in a month and after seven and a half years in business is a real pep up for the company.

For Robert, it is the culmination of many years experience, becoming well qualified, experiencing the highs and lows of a career and always wanting to contribute to his community. Sometimes, these things just come together and you receive recognition for your efforts.

Robert says that there is no doubt that starting your own business is a huge challenge, but with the right research and planning, the right people around you and a good set of values that you apply to the vision of the company, you have a very good chance of making it all succeed.

Robert says he is lucky. He has a strong supportive Wife, Mandy, who is also part of the business, along with efficient and hard working staff such as Julia McLauchlan and Aidan Harmer who are building up their own skills in a learning environment. 

However, the most important and most supportive people for CPR Insurance Services are our clients who have stuck by us and supported us over the past seven years. Our focus remains on providing the best possible service we can and always acting in their best interests. To all our clients, we say thank you!

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