We have contacted six of the top Travel Insurance companies to know their norms and terms regarding their area of coverage. We have requested for an online travel insurance quote and a comparison of all collected information can be viewed in the table below to help find the best travel insurance rates. 1Cover Tower AA Southern Cross State World Nomads Individual person 32 days, worldwide 175.5 219 247.00 285.00(20% off online) 214.2 169 Excess 100 100 75 75 100 100 Personal Baggage 5,000 10,000 25,000 25,000 20,000 2,500 Medical Expense unlimited 100,000 unlimited 100,000 unlimited 5,000,000 Accidental Death & Permanent Disablement 25,000 50,000 50,000 100,000 100,000 12,000 Loss of Deposits, Cancellation & Curtailment unlimited unlimited unlimited 100,000 100,000 10,000 Liability Protection 500,000 2,000,000 2,500,000 2,000,000 2,500,000 2,500,000 Travel Delay or Missed Connection 1000 2,500 unlimited 5,000 5,000 No Cover Strikes & Hijacks Terrorism 5,000 10,000 100,000 10,000 unspecified Rental Vehicle Excess 3,000 2,000 4,000 3,000 2,500 unspecified Money 250 500 500 1000 750 No Cover Travel Documents/ credit card/ travellers check 5000 2000 3,000 1000 3,000 500,000 Rating – Standard and Poors AAA A- A+ A+ AA A Get Quote Get Quote Get Quote Get Quote Get Quote Get Quote   Do I need Travel Insurance? Many of us consider going away overseas whether it be for a holiday or to work. There are many things to consider and one of these things is travel insurance. Is Travel Insurance really necessary or can you travel without it? To be frank there is no law that says you have to have travel insurance however you do take a big risk travelling without it. For example lost luggage or cancellation of flight can make a holiday memorable for all the wrong reasons. And of course you can always fall sick whilst your away and falling sick can be quite a big expense for you if you consider the costs of say having to be flown home for surgery or medical treatment. If you take precaution from the start and take out travel insurance it just means that you can relax more and be covered. Many companies provide Travel Insurance and there are a lot of cheap deals out there? There certainly are cheap deals and not many people know this but a lot of banks offer a credit card that provides Travel insurance. The way it works is that you purchase the tickets on your credit card so that the total cost or 75 percent of the cost of the ticket is through your card and automatically you are approved for travel insurance. The downside to this is the credit card fee you pay every year can be quite high. I think its $100 with Westpac gold card. What’s important is that you actually do your research and check out what really is a good deal for you. You can do your research on the internet and read what other people have to say about the travel insurance company, compare the policies on offer and prices. What about people with Pre-Existing Medical Problems? Some policies don’t cover pre-existing medical conditions like World Nomads for instance, so if you do have a medical condition check your policy to make sure it actually covers your pre-existing medical condition. What about things that cause inconvenience to you such as lost or stolen luggage? This is a pretty common scenario and you’ll find most policies will offer cover for that under personal baggage claim. what is imperative is that your most expensive items, such as your laptop, jewellery, camera, that you take with you. Therefore it is advised that you find out the level of...