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Travel Insurance - Don't Leave Home Without It

I think it's fair to say that I'm not the most consistent blogger in the world, six months between posts is normal right? Trip reports are something I always plan to write but never get around to, it's why I've switched to daily Facebook review posts while we're away instead. So, the story of our first Disney Cruise in celebration of LJ's first birthday has never been told... until now!

My extended family had a first birthday extravaganza planned for Master LJ. It began with 10 nights in Disney World (including my sister's wedding at our beloved Polynesian), followed with a 4 night Bahamian cruise on the Disney Dream and finished with three nights in Disneyland. Way better than planning a party, for all involved.

All was going swimmingly until the first morning of our cruise when LJ passed out and a call to the emergency line had a doctor and two nurses in our stateroom before I could even hang up the phone. Turns out he had a hypoglycaemic (low blood sugar) attack and the doctor on board couldn't work out why. We were due to visit Nassau that day, thankfully, so the doc hooked our little guy up to a drip so we could get the Ambulance over to the hospital and hopefully get the all clear to continue sailing before the ship departed. 

Long story short, we still have no idea what caused the attack and it's thankfully never happened again but the paediatrician at the hospital was confident he'd be fine and signed him off as fit to sail. Regular visits to the Health Centre for the rest of the cruise to monitor his blood sugar level and stocking up on tubes of glucose for the flight home just in case and we all survived to tell the tale. On a side note the glucose tubes were awesome and something our GP had never seen before, so I of course carried around the ones we brought home with me like a paranoid parent until they went out of date - just in case.

What has all this got to do with travel insurance you might ask? Well... that 'quick' visit to the emergency room in Nassau cost us more than the cruise did. Add on to that the initial health centre bill and then $80 USD a pop every time we entered the health centre for a blood sugar check and we were thankful for three things - a much better exchange rate than we have today, available credit on our credit cards and travel insurance. Had we the luxury of more time we probably would have touched base with our travel insurance provider while we were in hospital and had them look after everything for us but we needed to get back to the ship, so just swiped away and dealt with it when we got home.

The moral of this story, don't leave Australia without travel insurance. We've never needed it since and hopefully never will but there's no way we'd risk it. Had LJ's condition been more serious we may have been looking at an airlift to Florida and more treatment there - our credit card certainly wouldn't have coped with that.

Cover-More is our choice of travel insurance providers. Travel insurance is their specialty, so they know what they're doing and we have found their policies to be competitive and have great inclusions. Of course, you should grab yourself a quote and check out the PDS before making any decisions but we're confident you'll find them adequate. My Dad has some pre-existing medical conditions that require special cover as well and organising that has been as simple as completing an online questionnaire. This is one area where 'free' credit card policies won't cut it. In fact, despite being eligible for 'free' credit card policies ourselves on each of our trips, we have still made the choice to purchase a separate Cover-More policy. As the saying goes... if you can afford to travel, you can afford travel insurance. Please be sure to budget for it to ensure you and your family are protected should the worst happen. Here's hoping you never need to make use of it. Grab a quote today by clicking on the banner below.

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