Not all trips abroad are holidays. People choose to travel for many reasons – to find adventure, to help people in disadvantaged areas, for work purposes or to take part in a charity event.
Travel insurance is integral for anyone planning a trip overseas, though this is even more of a necessity for people visiting areas that are inherently dangerous.
To put this risk into context, here are five of the most dangerous places in the world for people to visit, and a brief guide on what travel insurance coverage you will need to arrange before you go.
The Caribbean nation is still suffering from the effects of the 2010 earthquake, and is a destination for many Aussies hoping to lend a hand. However, Haiti's ability to bounce back from the tragedy that affected around three million people was stunted by rampant crime.
Drug trafficking is a large part of the problem, though personal attacks pose a pressing concern. The US State Department believes there are no safe areas of Haiti, and travellers are always likely to stand out in disadvantaged regions, so their property and health should be protected should the worst come to pass.
Venezuela has some stunning beaches and a vast diversity of both plant and wildlife. As such, many people may consider it a great alternative travel destination.
There's no doubt that many Australian jet-setters can find something new in the country, though the nation's crime rate – particularly around the capital city of Caracas – should also give food for thought.
The murder rate in Caracas is infamous for being the highest in the world, meaning cover against death should be taken into consideration, no matter the reason for your visit.
3) Mount Everest
The tallest mountain in the world could give eager travellers some real life experiences – even those not planning on making the full ascent – though they should definitely be prepared for accidents and injuries.
Hospital and medical treatments in foreign countries are likely to be incredibly expensive, so adventure-seekers should always spend time protecting themselves with a robust travel insurance policy before attempting this kind of holiday.
This not only counts for Everest, but anyone taking a trip to perform more extreme adventures. Most travel insurance policies won't automatically cover against accidents and injuries from dangerous sports and activities, so speak with your insurance broker first.
4) People's Republic of China
Let's forget about the often-reported human rights violations taking place in the Asian superpower, travelling around China is relatively safe. However, its visa regulations are noticeably strict, and could lead to trouble for a visitor.
Lost luggage is an unfortunate reality for a traveller, and if your passport and/or visa go missing, you could find yourself in a difficult situation. This is only exacerbated in a country with not only a different language but a whole different alphabet – your ability to mediate may be limited at best.
Your travel insurance policy may not be able to prevent you losing your luggage or such essential documents, but your coverage and insurance broker will certainly be able to help should a difficult situation arise.
With the Australian and Indian governments working in closer union, many businesspeople could be making a trip in the coming years to help build their relations with suppliers and consumers in the booming market.
India is also a place of incredible diversity, attracting many on a whistle-stop tour of Asia or a round the world trip. As well as its food, culture and architecture, India is also famed for the range of illnesses people tend to contract while visiting.
A lack of sanitation and a selection of viruses that Aussie immune systems are not prepared for can lead to many visitors getting ill. For this reason, it's important to have full overseas medical coverage to prevent you getting stung on treatment.
How HICA helps
It's important to remember that these parts of your insurance policy are not set in stone. If you are planning a trip abroad, particularly one to a region that is considered dangerous, you should consult with your insurance broker on your specific requirements.
HICA is experienced in obtaining appropriate travel insurance policies through our network of providers, and we can lower your costs by as much as 30 per cent as well. Call us today on 1300 44 22 01 and we'll discuss your individual needs.