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Travel Insurance Marshall Islands to Australia

Although the Republic of the Marshall Islands (RMI) is an independent country in a Compact of Free Association with the United States of America, it still has a close bilateral relationship with Australia based on shared regional interests. Direct trade and scholarship opportunities provided through the Australia Awards1 see many RMI citizens travelling to Australia on a regular basis, making travel insurance a smart choice.

A beach in Marshall Islands

Is Travel Insurance Compulsory for Visitors to Australia?

Travel insurance is not compulsory for visitors to Australia travelling from the Marshall Islands – or any other country – but it is highly recommended that you take out travel insurance before starting your trip. Nobody wants anything to go wrong when travelling to a foreign country, but unexpected illnesses and other mishaps can’t always be avoided, and having travel insurance helps reduce the financial burden that could follow any unexpected events.

  • Medical emergencies – even if you have health insurance in your home country, it will not cover any medical or hospital expenses when you are in a foreign country. Travel insurance offers benefits for any medical emergencies you encounter while travelling, often including while travelling between countries.
  • Luggage and personal belongings – if some – or all – of your luggage is lost or delayed during transit, or any of your personal belongings are stolen during your trip, you could be reimbursed for the cost of replacement by travel insurance. On some policies this could even include reimbursement for any cash that is stolen.
  • Trip cancellations – if personal circumstances force you to cancel some or all of your trip, you could see yourself losing any deposits and prepaid expenses if you don’t have travel insurance. Travel insurance won’t always cover the full amounts you lose out on, but at least you won’t be completely out-of-pocket.

What if I am Pregnant?

All travel insurance policies require you to disclose any medical conditions you have and are being treated for. Sometimes the medical benefits of your policy won’t be accessible for any treatment relating to a pre-existing medical condition, although most insurers automatically cover thirty to forty non-serious conditions. Pregnancy isn’t always treated as a pre-existing medical condition, though some conditions will apply to any travel cover you take out. These normally state that cover isn’t available if you are more than 26 weeks into your pregnancy, if you have already experienced complications with your pregnancy, or if your pregnancy is the result of a reproductive program such as IVF. It is also worth noting that some airlines will require you to produce a doctors certificate stating that you are able to travel, but won’t allow you to travel on flights lasting more than four hours if you are further than 26 weeks into your pregnancy. The exact conditions and restrictions for pregnancy and travel insurance will be listed in the Product Disclosure Statement for any insurance products you are considering.

Should I Compare Travel Insurance?

The cost of – and benefits offered by – travel insurance will vary considerably from one insurer to the next. For that reason it is always recommended that you first compare different inbound travel insurance products before settling on one. You shouldn’t only consider the cost of the insurance product, but also the benefits and benefit limits, along with specific terms and conditions that may affect you. A good travel insurance product will look different to every traveller, and you should always be more interested in cover that offers benefits you could possibly need, without it being prohibitively expensive, and this is especially true if you have any pre-existing medical conditions.

1 https://dfat.gov.au/geo/republic-of-marshall-islands/Pages/republic-of-the-marshall-islands-country-brief.aspx

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