Yes, we know it’s too late to buy travel insurance for the “known event”, as travel insurance companies term it, for the on and off again eruption of Mount Agung.
That’s why we are offering to honour your booking with us and in the event that your holiday is disrupted because of Mount Agung and you can’t make it we are happy to reschedule to a later date when our beloved Gunung Agung is playing a bit nicer.
This applies to existing bookings if you didn’t buy travel insurance in time and any future bookings because we think the airline industry is going to be going all out with low fares in the coming months if the recently finished “from $139.00 return” with Jetstar from Australia is anything to go by.
So as you don’t get caught out in the future or you umm and arrhh about travel insurance, we put together some of our simple rules on buying, under normal conditions, travel insurance for not only Bali and Nusa Lembongan but wherever you are lucky enough to be going overseas on holiday.
- If you can’t afford travel insurance, you really can’t afford to travel. It’s about $80(AUD) for 1 person for the top cover for 2 weeks in Bali and if you’re a family it’s about $150 with the kids being free. Quite simply – stuff happens. Sometimes bad, sometimes really bad. Have you got a spare $25,000 for a night in intensive care in New York….or even up to $3,000 in S.E.Asia? How about $170,000 for a doctor escorted air ambulance after a cardiac arrest from Bali? Stuff happening doesn’t discriminate and paying for it doesn’t either.
- Buy your insurance when you book your travel. Don’t log off your laptop or leave the chair at the travel agents once you’ve booked your holiday. The very next thing you should do is buy your travel insurance. It could be 6 months until you fly. Anything could happen in that time. Ladies, you could be six ninths pregnant in that time!! Seriously though, Mount Agung erupting is the perfect example of why you shouldn’t leave it until the last moment. Once it was declared a “known event” it was game over for insuring yourself against travel disruptions….and airline companies aren’t one for giving refunds.
- Check the price but don’t scrimp. The difference between getting the top cover to the basics is about $30 for 2 weeks in Bali. So for the price of a couple of beers at your local your travel insurance for Bali can go from just covering your basic medical needs to also including:
- Overseas Emergency Medical Assistance/Evacuation as well as hospital expenses
- Cancellation Fees and Lost Deposits on your accommodation
- Lost or delayed luggage.
- Travel Delay Expenses
- Alternative Transport Expenses
There’s some serious peace of mind in paying that bit extra.
- All travel insurances are not the same. Look, no one likes looking through the terms and conditions of a Travel Insurance policy or any policy for that matter…but I bet it’s a lot less painful doing it before you need cover rather than when you need it and find out all the things you aren’t covered for as you wait for a loved one in a hospital. For Example: Relying on your credit card’s travel insurance will almost always NOT have you covered for travel disruptions.
- Unsure about something or require something specific. Get on the phone and call the travel insurance company or broker. If you’ve got a pre-existing medical condition tell them when you buy the policy.
- Give the travel insurance company no excuse to turn down your claim. We all like to have a good time on holiday – just don’t overdo it. Make sure you read the “exclusions”. Most of the time these are common sense. Being drunk and injuring yourself is generally classed as an exclusion. The biggest exclusion most people overlook when holidaying on Bali/Nusa Lembongan is the hiring of motorcycles. Obviously, the rider or the pillion passenger not wearing a helmet and getting into an accident is an exclusion but so is not having a valid licence as required in your home country and in the country of travel for the same class of motorcycle you are operating. So just because our staff can help organise the hiring of motorcycles it’s not their job or responsibility to understand the legalities of your driver’s licence and/or whether it’s current and/or whether it’s yours.
- Monetary figures are in Australian Dollars (AUD).
So that’s it. Nothing too hard there I would have thought…and if you don’t want to think of yourself, think of us. Our wonderful staff relies on your patronage. Sure they get a base wage but the way we work is the busier we are the more there is to go around. We don’t want to be the bearer of bad news when you can’t make it for whatever reason and you are wanting a refund but didn’t get travel insurance.
We are not here to be difficult and the last thing we want is for you to not be here on holiday which is why at present because you can’t get insurance for cancellations or disruptions due to Mount Agung we are more than happy to honour your booking and offer a rescheduling of your holiday* at 353 Degrees North to a time when Mount Agung has calmed down.
*Rescheduling is only between the same season otherwise, the price difference has to be paid. Please see our 353 Degrees North Calendar page for the dates of when High and Low season are.
Lastly, we found this excellent YouTube video from our good friends at Bali Go Live with some Mount Agung safety tips when travelling to Bali.