Travel Insurance Broker: Expert Protection for Your Next Adventure
You’ve booked the flights, planned the itinerary, and saved for the spending money. But have you secured the one thing that guarantees you’ll make it home safely if disaster strikes?
Travel insurance is often a last-minute thought, grabbed via a tick-box on an airline website. This is a dangerous gamble. Standard, automated policies often contain hidden exclusions that can leave you stranded with a $100,000 medical bill.
At Assurance Life Pro, we believe your safety deserves more than an algorithm. As your dedicated Travel insurance broker, we specialise in finding robust personal travel insurance that covers you—your health, your age, and your specific itinerary. Whether you are planning a weekend in Bali or a round-the-world odyssey, we ensure your safety net is as strong as your sense of adventure.
Why Risk Your Holiday with a Generic Policy?
When you buy travel insurance off the shelf (or rely on the “free” cover from your bank), you are getting a policy designed for the “average” traveller. But if you have a medical history, are over a certain age, or plan to ride a scooter in Thailand, you are not “average.” You are “high risk” to an insurer.
If you don’t declare these risks correctly, your policy is worthless. A broker removes this uncertainty. We navigate the fine print of Product Disclosure Statements (PDS) to ensure you are genuinely covered for the things that matter—from medical evacuation to cancellation due to family emergencies.
Who Needs a Specialist Travel Insurance Broker?
While we can help anyone find a competitive travel insurance quote, our services are essential for three key groups:
Travellers with Pre-Existing Medical Conditions
This is the #1 reason claims are denied. Heart conditions, diabetes, asthma, or a recent surgery are often automatically excluded by online forms. We work with specialist underwriters who assess medical risks individually. We can often secure full medical coverage for conditions that other insurers reject, giving you the confidence to travel without fear.
Seniors & Grey Nomads
Age shouldn’t be a barrier to seeing the world. While many insurers cut off cover at age 65 or 70, we have access to policies designed for mature travellers up to age 100+. We understand the specific needs of seniors, including cover for cruises and pre-existing ailments.
Adventure Seekers & Skiers
Going off the beaten track? Standard holiday travel insurance often excludes activities like skiing, snowboarding, scuba diving, or riding motorbikes. We ensure your policy includes the necessary “Adventure Packs” so you are covered if you break a leg on the slopes or need a decompression chamber.
Key Benefits: Real Cover vs. "Free" Credit Card Insurance
A common trap is assuming your Platinum Credit Card covers you. Often, this “free” cover is riddled with gaps:
Activation: Did you pay for 100% of your trip on the card? If not, you might not be covered.
Medical Limits: The limits for emergency dental or hospital expenses are often much lower.
Age Limits: Many credit cards stop covering you after age 75 or 80.
No Advocacy: If you are in a hospital in Peru, you are dealing with a generic call centre, not a dedicated broker.
We help you compare travel insurance options so you can see exactly where the “free” policy falls short and where a standalone policy provides superior protection.
What We Cover: Comprehensive Holiday Travel Insurance
Our comprehensive policies are designed to cover the full spectrum of travel risks:
Unlimited Medical & Evacuation: The gold standard. If you need an air ambulance home, the cost (which can exceed $150,000 from the USA) is covered.
Cancellation & Deposits: Reimbursement for non-refundable flights and accommodation if you fall ill before you leave.
Luggage & Personal Effects: Replacement costs for lost bags, stolen cameras, or delayed items.
Rental Car Excess: Covering the expensive “excess” fee (often $4,000+) if you damage a hire car.
The Process: How to Get Covered in Minutes
Securing expert cover doesn’t have to be slow.
The Trip Details: Tell us where you are going, for how long, and who is travelling.
The Medical Check: We guide you through a simple medical screening (online or over the phone). You answer honest “Yes/No” questions about your health.
The Quote: We generate tailored travel insurance quotes that clearly show any extra premiums for your medical conditions.
The Cover: You approve the quote, pay securely, and we email your Certificate of Insurance and 24/7 Emergency Assistance card instantly.
Eligibility & Application Steps
We cover Australian residents for domestic and international travel.
Residency: You must be a resident of Australia with a valid Medicare card.
Timing: You should buy your policy as soon as you book your trip. This ensures your “Cancellation Cover” starts immediately.
One-Way Travel: We can even arrange cover for one-way journeys if you are relocating (conditions apply).
Don’t let a medical bill become the ultimate souvenir.
FAQs on Travel insurance broker
Does travel insurance cover COVID-19?
Most modern policies now offer some level of COVID-19 cover, but it varies wildly. A good policy will cover your medical costs overseas if you catch COVID. Some top-tier policies also cover cancellation costs if you contract COVID before you leave and can't travel. As your Travel insurance broker, we can point you to the specific insurers who offer the best pandemic protection.
I have a pre-existing medical condition. Can I still get cover?
Yes, in most cases. The key is disclosure. You must tell us about any condition you have received treatment or medication for in the last 12-24 months. We will run a medical assessment. Often, you can get covered for a small extra premium. If you don't tell us and then have a flare-up overseas, your claim will be denied.
When should I buy my travel insurance?
Immediately after you book your flights or pay a deposit. Why? because "Cancellation Cover" starts the moment you buy the policy. If you book a trip for December but don't buy insurance until November, and you break your leg in October, you lose your money. If you buy insurance now, the insurer pays you back for the lost trip.
What is the difference between "Single Trip" and "Annual Multi-Trip"?
If you travel more than twice a year, an Annual Multi-Trip policy is usually cheaper. It covers you for unlimited trips (e.g., up to 30 or 60 days duration each) over a 12-month period. It’s perfect for business travellers or frequent holidaymakers. A Single Trip policy covers just one specific journey.
Am I covered for riding a scooter/motorbike overseas?
Only if you follow the rules! Most policies require you to:
Wear a helmet.
Hold a valid Australian motorcycle license (not just a car license).
Hold a valid license in the country you are visiting. If you crash a scooter in Bali without a license, no insurer will cover your medical bills. We can clarify these rules for you before you go.