Tendai Travel has arrangements with a variety of
travel insurance companies. Whilst travel insurance is not compulsory,
it should be considered mandatory. Some might say that if you cannot
afford the travel insurance, then you cannot afford to travel!
Australia has a basic Medicare reciprocal
agreement with only a handful of countries (see below)
Please click on the links below for the
discounted premiums we are offering, noting our summary of reasons
why you may take that particular policy, and if you would like to
read the full policy wording, you can download the full policy
booklet below also. You will get the full policy booklet with your
insurance when you purchase it, and there is a cooling off period if
needed.
Insurance premiums - select the
region where you will be for the longest on your journey ... then you will see a
table of 4 policies for selection. Below are the reasons you may select those
policies.
Europe Africa and The Americas
Asia Pacific Region
Which policy to select
TOURSAFE: - fully
comprehensive policy. No excess on any policy up to 35 days duration.
A$100 excess per claim for longer durations, can remove all excesses by
paying A$25 per policy of 1 or 2 people. You and your friend, not
necessarily related can be on one policy paying the single rate each,
and only 1 excess remover, if travelling together.
These premiums apply if you have not yet reached
70 at time of departure from Australia.
TRAVELLERS ASSISTANCE:-
fully comprehensive policy. Excess of A$100 applies to most sections of
the policy. All excesses can be removed by paying A$15 per policy - if
the policy covers 1 or 2 people - it is only A$15 per policy to remove
the excess. These premiums are available to you
if you have not yet had your 71st birthday at time of policy purchase.
TRAVELLERS ASSISTANCE - Plan M:-
this policy is similar to the above policy, but it EXCLUDES car hire
excess coverage, and EXCLUDES baggage coverage whilst you are overseas,
except on scheduled transport like your flight over, or a rail journey,
or ferry trip. This policy is ideal for those with minimum luggage,
staying with friends and family opposed to hotels and hostels. If you
have expensive luggage like laptops, jewellery, video cameras, then this
policy may not be ideal for you. you CANNOT remove the excess on this
policy.
These premiums are available to you if you have not yet had your 71st
birthday at time of policy purchase.
CHI
- a fully comprehensive
policy.. this one also has a loss of cash coverage, (though
small). no excess on a number of claims, but A$100 excess
applies to rental car excess, personal liability, damage or
loss of luggage, cancellation fees, medical/hospital/dental,
loss of travel documents. these excesses can be removed for
A$25 per policy of 1 or 2 people. note - for pre-existing
coverage - a non-removable excess of A$250 applies. These rates
apply if you have not yet reached your 71st birthday at time
of departure from Australia.
CHI - Budget Rescue and Medical:-
this policy is not so cheap for short durations but sounds
attractive for longer travel periods - it ONLY covers the
medical/hospital/evacuation/emergency dental and personal
liability parts of the policy - Plan "C" if you are looking
at the policy booklet. Excess applies. No luggage, no
cancellation, no travel delay etc. These rates
apply if you have not yet reached your 71st birthday at time
of departure from Australia
# Travel
Insurance can be very confusing - so please call or email
for clarification.
Can I use Medicare while I am overseas?
Medicare benefits are not available for treatment overseas, however, the
Commonwealth Government has signed Reciprocal Health Care Agreements with
Finland, Italy, Malta, the Netherlands, New Zealand, Sweden, the United Kingdom
and the Republic of Ireland.
As an Australian resident you are entitled to benefits, similar to Medicare, for
immediately necessary medical and public hospital treatment in these countries.
What is covered under the arrangements varies between countries, as outlined
below.
These agreements do not replace the need for private travel health insurance. It
is strongly recommended that you take out suitable travel insurance.
What do I need to receive health care overseas?
You will need to provide local authorities with:
your Australian passport or other passport which shows you are a permanent
Australian resident, and
a valid Medicare card. If you do not have a valid Medicare card, or your card
will expire while you are away, visit a Medicare office to arrange for a new
card before travelling overseas.
To receive medical services under the agreements, it is important that you
advise medical staff you wish to be treated under the Reciprocal Health Care
Agreement with Australia.
What is not covered by Reciprocal Health Care Arrangements?
hospital accommodation and treatment as a private patient
pre-arranged treatment
items such as glasses, contact lenses, most dental work and chiropractic
services
medical evacuation to Australia
medical treatment that is not immediately necessary
medicines are generally not subsidised under the agreement
Details on Reciprocal Health Care Arrangements by country
More information is available on countries with reciprocal health arrangements
with Australia.
Australian Medicare
has a basic agreement with the following countries,
click on the Medicare logo for more information:
