1 00:00:00,640 --> 00:00:00,960 Speaker 1: Hello. 2 00:00:01,520 --> 00:00:05,000 Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the 3 00:00:05,120 --> 00:00:08,720 Speaker 2: Order Kernie Whoalbury and a waddery woman. And before we 4 00:00:08,800 --> 00:00:11,440 Speaker 2: get started on She's on the Money podcast, I would 5 00:00:11,480 --> 00:00:14,480 Speaker 2: like to acknowledge the traditional custodians of the land of 6 00:00:14,520 --> 00:00:18,640 Speaker 2: which this podcast is recorded on a wondery country, acknowledging 7 00:00:18,680 --> 00:00:22,560 Speaker 2: the elders, the ancestors and the next generation coming through 8 00:00:23,040 --> 00:00:27,120 Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and 9 00:00:27,200 --> 00:00:30,560 Speaker 2: the storytelling of you to make a difference for today 10 00:00:31,040 --> 00:00:32,599 Speaker 2: and lasting impact for tomorrow. 11 00:00:33,280 --> 00:00:34,120 Speaker 1: Let's get into it. 12 00:00:34,760 --> 00:00:54,040 Speaker 3: She's on the Money. She's on the Money. 13 00:00:57,760 --> 00:01:01,040 Speaker 4: Hello, and welcome to She's on the the podcast for 14 00:01:01,120 --> 00:01:04,679 Speaker 4: millennials who want financial freedom. My name is Georgia King 15 00:01:04,920 --> 00:01:08,840 Speaker 4: and joining me as always is the Lovely Victoria Divine V. 16 00:01:09,040 --> 00:01:09,480 Speaker 4: How are we. 17 00:01:09,680 --> 00:01:12,959 Speaker 1: I'm well, I'm always still jarred when you say, oh, 18 00:01:13,240 --> 00:01:16,520 Speaker 1: the Lovely Victoria Devine, I'm like, well, that's showbiz because 19 00:01:16,520 --> 00:01:18,120 Speaker 1: before you were like, oh, get better, V. And I 20 00:01:18,160 --> 00:01:19,480 Speaker 1: was like, oh, I'm not sick, and you were like, no, 21 00:01:19,560 --> 00:01:21,080 Speaker 1: you just need to get better. Like I feel like 22 00:01:21,080 --> 00:01:26,360 Speaker 1: there's this offline bullying versus online Likene so lovely, like, 23 00:01:26,680 --> 00:01:28,240 Speaker 1: don't lie, George, don't like it. 24 00:01:28,240 --> 00:01:31,200 Speaker 4: It's all eyes, guys. Let's get into it with travel 25 00:01:31,440 --> 00:01:33,800 Speaker 4: back on the cards. We want to unpack something today that, 26 00:01:34,120 --> 00:01:37,120 Speaker 4: in your opinion, v is even more important than remembering 27 00:01:37,120 --> 00:01:39,480 Speaker 4: to pack your toothbrush or your undies. 28 00:01:39,200 --> 00:01:41,119 Speaker 1: Because you can buy those things when you get there. 29 00:01:41,160 --> 00:01:44,279 Speaker 4: Well, that's exactly right, exactly we are talking, of course, 30 00:01:44,360 --> 00:01:47,360 Speaker 4: about travel insurance. It might sound a little dry, we'll 31 00:01:47,400 --> 00:01:49,919 Speaker 4: admit it, but we were amazed by how many people 32 00:01:49,960 --> 00:01:53,160 Speaker 4: messaged us through with questions after we spoke about insurance 33 00:01:53,240 --> 00:01:56,560 Speaker 4: over on the sotom Instagram page when you were preparing for. 34 00:01:56,560 --> 00:02:00,240 Speaker 1: Your trip, So many personal dms from people being like, oh, 35 00:02:00,320 --> 00:02:02,360 Speaker 1: what one did you go with? How did it work? 36 00:02:02,480 --> 00:02:05,480 Speaker 1: What does this mean? And girl, I didn't just do 37 00:02:05,600 --> 00:02:09,680 Speaker 1: my research. I saved all the PDS's and then control 38 00:02:09,840 --> 00:02:11,880 Speaker 1: FT and like looked through all of them to make 39 00:02:11,919 --> 00:02:14,600 Speaker 1: sure that every single one had a policy. And I 40 00:02:14,639 --> 00:02:17,720 Speaker 1: made a spreadsheet because that's the best way to track anything, 41 00:02:17,960 --> 00:02:20,240 Speaker 1: and that's how I picked my policy. And the She's 42 00:02:20,280 --> 00:02:22,720 Speaker 1: on the Money team are already reaping the benefits. 43 00:02:23,040 --> 00:02:27,200 Speaker 4: And hopefully today you will too, sweet listener, So today 44 00:02:27,280 --> 00:02:29,240 Speaker 4: we will be answering a number of the questions that 45 00:02:29,320 --> 00:02:32,120 Speaker 4: popped up from you guys, including how you can access 46 00:02:32,120 --> 00:02:34,280 Speaker 4: what do you actually need when you're heading away, what's 47 00:02:34,320 --> 00:02:35,920 Speaker 4: just a waste of money a bit of a rip off, 48 00:02:36,040 --> 00:02:38,120 Speaker 4: and what is just downright I'm helpful. 49 00:02:38,160 --> 00:02:40,119 Speaker 1: There's a lot of things in insurance that you think 50 00:02:40,160 --> 00:02:42,840 Speaker 1: would be important that actually aren't. Georgia King, what do 51 00:02:42,880 --> 00:02:44,600 Speaker 1: you think the most important thing is when it comes 52 00:02:44,639 --> 00:02:45,480 Speaker 1: to travel insurance? 53 00:02:45,639 --> 00:02:49,120 Speaker 4: Ooh, a top of my head, I would say, you 54 00:02:49,160 --> 00:02:52,079 Speaker 4: know things that you can break or easily lose. I'm 55 00:02:52,080 --> 00:02:55,760 Speaker 4: thinking your bag, your phone, your laptop. We've all dropped 56 00:02:55,760 --> 00:02:58,240 Speaker 4: phones when abroad and then they haven't worked. 57 00:02:58,560 --> 00:03:02,640 Speaker 1: Alex Devine start your friend. We were standing in an 58 00:03:02,680 --> 00:03:06,000 Speaker 1: airport in Nice and she dropped her Apple Watch and 59 00:03:06,200 --> 00:03:10,240 Speaker 1: the fate. Yeah, she's obsessed with it, like she cannot 60 00:03:10,360 --> 00:03:12,880 Speaker 1: take one step without that Apple Watch. But once you've 61 00:03:12,880 --> 00:03:15,680 Speaker 1: got a track over, the entire face of the Apple 62 00:03:15,720 --> 00:03:19,200 Speaker 1: Watch shattered, and I think I saw her soul leave 63 00:03:19,240 --> 00:03:22,000 Speaker 1: her body. And then she was in a really bad 64 00:03:22,040 --> 00:03:23,320 Speaker 1: mood for the rest of the day. So I just 65 00:03:23,360 --> 00:03:25,440 Speaker 1: avoided her. It was a good sister. I was just 66 00:03:25,480 --> 00:03:29,000 Speaker 1: like subtly bullying her about it. But yeah, she had 67 00:03:29,320 --> 00:03:30,840 Speaker 1: no watch for the rest of the trip. 68 00:03:30,919 --> 00:03:32,360 Speaker 4: How did she know what the time was? 69 00:03:32,639 --> 00:03:34,680 Speaker 1: How did she know how many steps she'd taken? How 70 00:03:34,720 --> 00:03:38,520 Speaker 1: did she knows been closed? But that's actually not the 71 00:03:38,560 --> 00:03:41,440 Speaker 1: most important thing when it comes to travel insurance. I 72 00:03:41,440 --> 00:03:44,200 Speaker 1: feel like we all get super caught up on the extras, 73 00:03:44,320 --> 00:03:47,000 Speaker 1: especially because they're the shiny things that get put on 74 00:03:47,040 --> 00:03:49,840 Speaker 1: the marketing material on the websites. Right they're like, oh 75 00:03:49,880 --> 00:03:52,120 Speaker 1: my god, up to ten thousand dollars worth of luggage 76 00:03:52,160 --> 00:03:54,680 Speaker 1: cover and you're like, oh, that's great, no problems. But 77 00:03:54,880 --> 00:03:57,000 Speaker 1: at the end of the day, if you lose your laptop, 78 00:03:57,320 --> 00:04:00,880 Speaker 1: real unfortunate money loss, but you can replace. What if 79 00:04:00,920 --> 00:04:04,640 Speaker 1: you broke your leg in the middle of Thailand and 80 00:04:04,920 --> 00:04:08,720 Speaker 1: you literally needed surgery. What's she going to do, George, 81 00:04:09,320 --> 00:04:12,440 Speaker 1: Oh god, I've trade my laptop for the flight that 82 00:04:12,480 --> 00:04:14,920 Speaker 1: you need to take back to Australia to get that done, 83 00:04:14,920 --> 00:04:17,080 Speaker 1: because you can't just jump on a plane and come home. 84 00:04:17,320 --> 00:04:20,719 Speaker 1: There's so many different levels of thought that need to 85 00:04:20,720 --> 00:04:24,200 Speaker 1: go into this when it comes to insurance. And we've 86 00:04:24,240 --> 00:04:27,400 Speaker 1: had money dirists before, Like remember the money dirist where 87 00:04:27,640 --> 00:04:30,599 Speaker 1: her husband was in Bali and had a scooter accident 88 00:04:30,640 --> 00:04:33,560 Speaker 1: and had to be medivacked back to Australia for surgery, 89 00:04:33,760 --> 00:04:35,680 Speaker 1: and it's now put them in a position where they're 90 00:04:35,720 --> 00:04:37,600 Speaker 1: in more than one hundred thousand dollars worth of debt 91 00:04:37,600 --> 00:04:40,440 Speaker 1: because of this. That, my friend, is why we have 92 00:04:40,520 --> 00:04:44,160 Speaker 1: travel insurance. It's not because we are like, oh my god, 93 00:04:44,200 --> 00:04:46,720 Speaker 1: we might lose our laptop while we're away, Like, yes, 94 00:04:46,800 --> 00:04:50,159 Speaker 1: those things are important to ensure if you absolutely cannot 95 00:04:50,200 --> 00:04:52,920 Speaker 1: afford to lose them. And I'd argue, if there's something 96 00:04:52,960 --> 00:04:55,440 Speaker 1: you can't afford to lose, please don't take it. But 97 00:04:55,600 --> 00:04:58,240 Speaker 1: the only insurance we should ever get, and this is 98 00:04:58,360 --> 00:05:01,039 Speaker 1: probably financial advice by I think I'll get away with 99 00:05:01,080 --> 00:05:04,680 Speaker 1: it is comprehensive, Like please don't just get third party. 100 00:05:04,760 --> 00:05:07,880 Speaker 1: You need to protect yourself as much as everybody else. 101 00:05:08,160 --> 00:05:11,000 Speaker 1: If you're getting anything less than that, I do genuinely 102 00:05:11,040 --> 00:05:12,599 Speaker 1: think it's a bit of a waste of money, Like 103 00:05:12,680 --> 00:05:15,280 Speaker 1: I don't care if you damage someone's property. I get it, 104 00:05:15,360 --> 00:05:17,800 Speaker 1: like there's obviously going to be a financial implication, But 105 00:05:18,720 --> 00:05:22,480 Speaker 1: it blows my mind that people don't protect themselves, like 106 00:05:22,520 --> 00:05:25,159 Speaker 1: you're so willing gee to put yourself in a position 107 00:05:25,160 --> 00:05:27,040 Speaker 1: where you're like, oh, my three thousand dollar laptop need 108 00:05:27,080 --> 00:05:29,880 Speaker 1: to ensure it. And I go, yeah, great, good idea, Georgia. 109 00:05:29,920 --> 00:05:32,120 Speaker 1: What if you come home and you can't work ever again? 110 00:05:32,520 --> 00:05:33,080 Speaker 4: Dear God? 111 00:05:33,200 --> 00:05:35,880 Speaker 1: But like, why aren't we ensuring our own person our 112 00:05:35,920 --> 00:05:38,960 Speaker 1: own ability to generate income, our own ability to be 113 00:05:39,080 --> 00:05:41,560 Speaker 1: self sufficient, Like if something really bad happens. I know 114 00:05:41,640 --> 00:05:43,359 Speaker 1: this is really dramatic, And this is why I'm so 115 00:05:43,400 --> 00:05:48,080 Speaker 1: passionate about insurance, Like you're done, Like we need so 116 00:05:48,160 --> 00:05:50,200 Speaker 1: many things in place to make sure that you're okay, 117 00:05:50,279 --> 00:05:52,080 Speaker 1: and travel insurance is one of those things that I 118 00:05:52,160 --> 00:05:54,279 Speaker 1: do think you should be spending the money on. And 119 00:05:54,320 --> 00:05:56,240 Speaker 1: I've had a conversation with a few people in my 120 00:05:56,320 --> 00:05:58,880 Speaker 1: DMS recently where like, oh my god, yeah, I'm going away. 121 00:05:59,279 --> 00:06:02,480 Speaker 1: I looked at travel insurance and it's too expensive. I'm like, well, ah, 122 00:06:02,680 --> 00:06:04,800 Speaker 1: I feel like this is such an entitled position to 123 00:06:04,800 --> 00:06:07,839 Speaker 1: be in, but like, if you can't afford insurance, probably 124 00:06:07,880 --> 00:06:11,120 Speaker 1: don't go. Yes, it's like a forge. And don't get 125 00:06:11,120 --> 00:06:13,560 Speaker 1: me wrong, insurance is now a little bit more expensive 126 00:06:13,600 --> 00:06:15,320 Speaker 1: than it used to be because of COVID and because 127 00:06:15,320 --> 00:06:17,640 Speaker 1: of everything else going on in the world. I get it, 128 00:06:18,000 --> 00:06:20,960 Speaker 1: but that's an investment. It's not just about the cheap flights. 129 00:06:20,960 --> 00:06:22,920 Speaker 1: It's like, all right, well what is this actually going 130 00:06:22,960 --> 00:06:24,440 Speaker 1: to cost me to go on my trip to Bali? 131 00:06:24,520 --> 00:06:28,560 Speaker 4: Right? Okay, so super interesting there because I feel like 132 00:06:28,680 --> 00:06:30,880 Speaker 4: for me, I definitely, as I said, I'll just be 133 00:06:30,920 --> 00:06:33,919 Speaker 4: like my lappie that'll probably get smashed, probably get that covered. 134 00:06:33,960 --> 00:06:35,880 Speaker 4: But I would never be like, well I could die. 135 00:06:35,960 --> 00:06:38,680 Speaker 1: And it's not because travel is so much more risky, right, 136 00:06:38,760 --> 00:06:41,559 Speaker 1: it's because you don't have the private health or even 137 00:06:41,560 --> 00:06:44,480 Speaker 1: the health system that we have in Australia covering you. Yeah. 138 00:06:44,839 --> 00:06:47,680 Speaker 4: So with this speed, just before we get into the 139 00:06:47,800 --> 00:06:50,839 Speaker 4: thick of things, would you say travel insurance is necessary 140 00:06:50,880 --> 00:06:53,760 Speaker 4: for like an eight hour trip to mil Dura, No, 141 00:06:54,480 --> 00:06:56,120 Speaker 4: going to Europe or something like that, Like, how do 142 00:06:56,200 --> 00:06:57,040 Speaker 4: you know what's necessary? 143 00:06:57,040 --> 00:06:57,080 Speaker 2: No? 144 00:06:57,240 --> 00:06:59,640 Speaker 1: No, So I would be considering travel insurance if you're 145 00:06:59,640 --> 00:07:01,920 Speaker 1: planning on leaving the country, which means you're leaving our 146 00:07:01,960 --> 00:07:05,160 Speaker 1: medical system. I wouldn't be considering it if you're going 147 00:07:05,200 --> 00:07:06,960 Speaker 1: to meal Dura for the weekend or you're off to 148 00:07:07,000 --> 00:07:09,240 Speaker 1: a Chuka for a girl's weekend. Like it's just not 149 00:07:09,560 --> 00:07:12,760 Speaker 1: what it is for, Like travel insurance is to cover 150 00:07:12,840 --> 00:07:15,360 Speaker 1: you while you are out of our country and don't 151 00:07:15,400 --> 00:07:18,280 Speaker 1: have access to Medicare or the health insurance that you 152 00:07:18,360 --> 00:07:21,480 Speaker 1: actually have on your person at the moment. Right, So 153 00:07:21,560 --> 00:07:24,320 Speaker 1: it's all about making sure that you're okay while you're 154 00:07:24,360 --> 00:07:25,559 Speaker 1: out of Australia's hands. 155 00:07:25,560 --> 00:07:29,640 Speaker 4: Perfect, Yeah, that makes sense. Okay. Just before VU said 156 00:07:29,640 --> 00:07:33,080 Speaker 4: that the only insurance we should get is comprehensive insurance. 157 00:07:32,720 --> 00:07:36,320 Speaker 1: Entitled opinion, I totally understand that. But we are putting 158 00:07:36,320 --> 00:07:39,000 Speaker 1: you in the best possible position when I say that, right, Like, 159 00:07:39,320 --> 00:07:41,320 Speaker 1: my job is to make sure you are okay, because 160 00:07:41,320 --> 00:07:43,400 Speaker 1: I'd love to think I'm like your finance mum. Yeah, 161 00:07:43,440 --> 00:07:46,080 Speaker 1: big sister, big sister, Yeah, big sister. That makes me 162 00:07:46,080 --> 00:07:48,640 Speaker 1: feel younger. Yeah, but like I'm your finance big sister. 163 00:07:48,720 --> 00:07:50,800 Speaker 1: I want the best for you. So that's the advice 164 00:07:50,840 --> 00:07:51,120 Speaker 1: I have. 165 00:07:51,280 --> 00:07:54,440 Speaker 4: Right, So what actually is to your head? But what Yeah, 166 00:07:54,440 --> 00:07:56,240 Speaker 4: so tell me what it is? Yeah, okay. 167 00:07:56,320 --> 00:07:59,360 Speaker 1: So comprehensive travel insurance is the highest level of cover 168 00:07:59,440 --> 00:08:02,160 Speaker 1: you can get. Obviously there's a lot of When you 169 00:08:02,200 --> 00:08:04,400 Speaker 1: go to a travel insurance website and you start doing 170 00:08:04,480 --> 00:08:07,440 Speaker 1: your comparisons, they'll be like, here's the entry level, here's 171 00:08:07,480 --> 00:08:09,840 Speaker 1: this and this you don't need like the Kreme de 172 00:08:09,920 --> 00:08:13,080 Speaker 1: la Creme like covers fifty million dollars worth of xys it. 173 00:08:13,400 --> 00:08:15,640 Speaker 1: What you need is to make sure that you and 174 00:08:15,760 --> 00:08:18,680 Speaker 1: your third party is covered. And it means that it's 175 00:08:18,800 --> 00:08:22,239 Speaker 1: not just covering you having an accident and the costs 176 00:08:22,240 --> 00:08:25,080 Speaker 1: that are incurred by the other person. So each company 177 00:08:25,120 --> 00:08:27,880 Speaker 1: has lots of different nuances. So what you are looking 178 00:08:27,880 --> 00:08:30,320 Speaker 1: for is twenty four to seven medical cover So injury 179 00:08:30,360 --> 00:08:34,040 Speaker 1: or illness including hospital, states, surgery, dental is a really 180 00:08:34,120 --> 00:08:36,360 Speaker 1: important one to make sure it's there because what if 181 00:08:36,360 --> 00:08:39,320 Speaker 1: you come head first off a scooter g your relief 182 00:08:39,600 --> 00:08:43,280 Speaker 1: are going to need that service, prescription drugs, which can 183 00:08:43,360 --> 00:08:47,800 Speaker 1: be incredibly expensive overseas, and doctor's visits. The other thing 184 00:08:47,840 --> 00:08:51,120 Speaker 1: that I think is really important is medical evacuation and repatriation. 185 00:08:51,280 --> 00:08:53,560 Speaker 1: So you might go, what the hell, Victoria, like, what 186 00:08:53,600 --> 00:08:55,160 Speaker 1: are you talking about? That is not what I was 187 00:08:55,160 --> 00:08:58,480 Speaker 1: thinking when I thought travel insurance. But that is to 188 00:08:58,559 --> 00:09:01,360 Speaker 1: get you home something really bad happens to you, and 189 00:09:01,440 --> 00:09:02,920 Speaker 1: like we all knock on woard, we don't want that 190 00:09:02,960 --> 00:09:05,760 Speaker 1: to ever happen. But if something happens, I can get 191 00:09:05,840 --> 00:09:08,760 Speaker 1: you home, and that to me is the most important thing, 192 00:09:09,040 --> 00:09:11,880 Speaker 1: because I have heard and I guess this is the 193 00:09:11,920 --> 00:09:14,480 Speaker 1: beauty of being in She's on the money and you know, 194 00:09:14,600 --> 00:09:18,319 Speaker 1: running a community of financial advisors where you know, if 195 00:09:18,360 --> 00:09:20,760 Speaker 1: people are in a pickle, they do tend to come 196 00:09:20,760 --> 00:09:22,160 Speaker 1: to me and go, V what would you do? How 197 00:09:22,160 --> 00:09:24,280 Speaker 1: would you do this? I've seen it so many times. 198 00:09:24,280 --> 00:09:26,600 Speaker 1: They're like, my brother, my cousin, my sister, my aunt 199 00:09:26,800 --> 00:09:29,839 Speaker 1: is stuck overseas because they had this thing happen to 200 00:09:29,920 --> 00:09:32,000 Speaker 1: them and now they can't fly home, or they have 201 00:09:32,080 --> 00:09:34,600 Speaker 1: to stay overseas for eight weeks because they can't get 202 00:09:34,640 --> 00:09:38,480 Speaker 1: on an actual commercial flight. They would need a medical 203 00:09:38,480 --> 00:09:40,840 Speaker 1: evac to get them home and that can't happen because 204 00:09:40,840 --> 00:09:43,280 Speaker 1: it's one hundred thousand dollars. So I think that if 205 00:09:43,360 --> 00:09:46,760 Speaker 1: something happens to you, getting home from my perspective, is 206 00:09:46,840 --> 00:09:50,400 Speaker 1: one of the biggest priorities, and that's really expensive. The 207 00:09:50,440 --> 00:09:53,520 Speaker 1: next is personal liability, so if something happens, you're insruan 208 00:09:53,640 --> 00:09:57,480 Speaker 1: for that. Cancelation cover is really important, but maybe not 209 00:09:57,600 --> 00:10:00,160 Speaker 1: the most important thing for me. When I was looking 210 00:10:00,240 --> 00:10:02,960 Speaker 1: at travel insurance recently because as you know, ge Jess 211 00:10:02,960 --> 00:10:07,040 Speaker 1: and I just got back from Europe, cancelation cover for 212 00:10:07,120 --> 00:10:10,160 Speaker 1: me was important because we had so many connecting flights 213 00:10:10,520 --> 00:10:13,440 Speaker 1: and if a middle flight got canceled, like, what are 214 00:10:13,480 --> 00:10:15,120 Speaker 1: we doing to do? Just missed the next one? I 215 00:10:15,160 --> 00:10:17,839 Speaker 1: wanted cover for that. But I also wanted to make 216 00:10:17,840 --> 00:10:21,360 Speaker 1: sure we had COVID cover, yeah, which most travel insurance 217 00:10:21,400 --> 00:10:24,760 Speaker 1: policies are absolutely excluding at the moment because it's too hard. 218 00:10:25,559 --> 00:10:28,559 Speaker 1: I found one, so we've got that. But we can 219 00:10:28,600 --> 00:10:31,240 Speaker 1: then be covered for family emergencies. So something happens and 220 00:10:31,280 --> 00:10:33,880 Speaker 1: you absolutely need to go home. Great, covered for that. 221 00:10:34,200 --> 00:10:37,480 Speaker 1: But then it's also about things like the bells and whistles, 222 00:10:37,480 --> 00:10:40,240 Speaker 1: which I would say are the things that are not 223 00:10:40,360 --> 00:10:43,120 Speaker 1: necessary but really nice to have, like lost or damage 224 00:10:43,160 --> 00:10:46,000 Speaker 1: luggage cover. Great, really important to be covered for that. 225 00:10:46,080 --> 00:10:49,520 Speaker 1: But my priority is making sure your body is okay Georgia. 226 00:10:49,600 --> 00:10:52,640 Speaker 1: And then alternative transport costs, which I think is kind 227 00:10:52,640 --> 00:10:55,880 Speaker 1: of important as well, because we just want to make 228 00:10:55,920 --> 00:10:58,520 Speaker 1: sure that we're not stung with thousands of dollars of 229 00:10:58,559 --> 00:10:59,880 Speaker 1: costs while we're overseas. 230 00:11:00,240 --> 00:11:03,320 Speaker 4: Really, you mentioned their V I feel like your main 231 00:11:03,320 --> 00:11:07,440 Speaker 4: point was that medical evacuation and repatriation is the most 232 00:11:07,440 --> 00:11:10,679 Speaker 4: important thing. So let's get into the nitty gritty now, 233 00:11:10,800 --> 00:11:13,240 Speaker 4: because there are so many things when you're fit and 234 00:11:13,280 --> 00:11:15,480 Speaker 4: healthy that you just don't think about. We really do 235 00:11:15,520 --> 00:11:16,880 Speaker 4: take our health for granted. 236 00:11:17,040 --> 00:11:19,160 Speaker 1: And I feel like as an Australian, we really take 237 00:11:19,200 --> 00:11:22,120 Speaker 1: our health for granted. Further, like, did you know we 238 00:11:22,200 --> 00:11:25,720 Speaker 1: are the most underinsured country in the world because like 239 00:11:25,760 --> 00:11:28,559 Speaker 1: we're just Aussies. We just trust it be right? Should 240 00:11:28,559 --> 00:11:31,560 Speaker 1: be right, mate, Like we literally have the lowest level 241 00:11:31,600 --> 00:11:34,600 Speaker 1: of insurance across the entire world because of our trusting 242 00:11:34,720 --> 00:11:36,920 Speaker 1: nature and our medical system is so good that we 243 00:11:37,000 --> 00:11:39,680 Speaker 1: are like, oh, should be right. It doesn't matter, Like, yeah, 244 00:11:39,720 --> 00:11:42,360 Speaker 1: you're right, don't have private health insurance, but like I'll 245 00:11:42,360 --> 00:11:43,959 Speaker 1: just go to the hospital. Like it's one of those 246 00:11:43,960 --> 00:11:47,640 Speaker 1: things that it blows my mind as a financial advisor 247 00:11:47,679 --> 00:11:50,960 Speaker 1: that we are so underprepared. But it's a really nice 248 00:11:51,040 --> 00:11:53,400 Speaker 1: reflection at the same time of how trusting we are. 249 00:11:53,520 --> 00:11:56,080 Speaker 4: Yeah, crazy for sure. So on that note, what would 250 00:11:56,120 --> 00:11:59,240 Speaker 4: you say are some of the most difficult and expensive 251 00:11:59,280 --> 00:12:01,480 Speaker 4: things that we might up against when we're overseas that 252 00:12:01,480 --> 00:12:03,160 Speaker 4: we would want insurance to cover us for. 253 00:12:03,360 --> 00:12:06,480 Speaker 1: So, as I said before, emergency medical evacuation, to make 254 00:12:06,520 --> 00:12:09,319 Speaker 1: sure you can either get from your current location to 255 00:12:09,440 --> 00:12:12,360 Speaker 1: a suitable hospital or to get from your current location 256 00:12:12,559 --> 00:12:17,360 Speaker 1: back home. Ambulance and emergency hospital stuff, so medical surgical 257 00:12:17,400 --> 00:12:21,400 Speaker 1: hospital costs need to all be included overseas. It's really expensive. 258 00:12:21,559 --> 00:12:23,839 Speaker 1: I mean it's different in every state and territory here 259 00:12:23,840 --> 00:12:27,760 Speaker 1: in Australia, but ambulance cover in Australia is also really 260 00:12:27,800 --> 00:12:30,920 Speaker 1: expensive if you don't have ambo cover, so definitely look 261 00:12:30,960 --> 00:12:33,800 Speaker 1: into that. The next is the cost of your return 262 00:12:33,840 --> 00:12:36,360 Speaker 1: to Australia if it's earlier than planned, and if this 263 00:12:36,480 --> 00:12:40,080 Speaker 1: is medically necessary. So we say stuff like this and 264 00:12:40,120 --> 00:12:41,920 Speaker 1: you go, yeah, but I could just pay for a flight, 265 00:12:41,960 --> 00:12:44,880 Speaker 1: It's fine. I had a client who did their back, 266 00:12:45,160 --> 00:12:47,880 Speaker 1: like broke their back, had gone to surgery, was in 267 00:12:47,920 --> 00:12:51,760 Speaker 1: the UK. The doctor said, no problems, like all done, dusted. 268 00:12:51,800 --> 00:12:54,600 Speaker 1: Thankfully they had travel insurance so all their surgery was covered. 269 00:12:54,640 --> 00:12:57,040 Speaker 1: They got it fused, We're good to go. But the 270 00:12:57,040 --> 00:13:00,920 Speaker 1: doctor then said, you cannot travel for six months and 271 00:13:01,080 --> 00:13:03,480 Speaker 1: if you do, and when you do, you need to 272 00:13:03,559 --> 00:13:06,040 Speaker 1: travel in business class because you need a lay flatbed. 273 00:13:06,120 --> 00:13:08,880 Speaker 1: You cannot sit up in a chair for the entire 274 00:13:09,160 --> 00:13:12,160 Speaker 1: duration of a flight. Have you saent how expensive business 275 00:13:12,160 --> 00:13:15,280 Speaker 1: class flights are at the moment seventeen thousand dollars to 276 00:13:15,320 --> 00:13:15,880 Speaker 1: get her home. 277 00:13:15,880 --> 00:13:16,480 Speaker 4: Oh my god. 278 00:13:16,720 --> 00:13:19,640 Speaker 1: And that's just out of pocket, that's not covered, that's 279 00:13:19,679 --> 00:13:22,440 Speaker 1: not anything. So this is why we care. It's not 280 00:13:22,559 --> 00:13:25,120 Speaker 1: because oh my gosh, Ve that'll never happen. Yeah, I 281 00:13:25,160 --> 00:13:27,960 Speaker 1: hope it never happens. But for those of you who 282 00:13:28,000 --> 00:13:31,600 Speaker 1: it does happen to, this is so important. Like I 283 00:13:31,640 --> 00:13:33,640 Speaker 1: can't stress enough. I feel like it's the one thing 284 00:13:33,640 --> 00:13:35,960 Speaker 1: that people like, oh did you sort out travel insurance? 285 00:13:36,200 --> 00:13:39,320 Speaker 1: You go, oh, forgot, don't worry about it next trip, hah, 286 00:13:39,440 --> 00:13:42,840 Speaker 1: Like it's not a haha situation. The next thing as well, 287 00:13:42,920 --> 00:13:45,520 Speaker 1: g is to allow you to return to Australia and 288 00:13:45,920 --> 00:13:48,440 Speaker 1: for someone to stay with you and travel home with 289 00:13:48,559 --> 00:13:51,400 Speaker 1: you if you're not from Australia and you need help, 290 00:13:51,880 --> 00:13:55,199 Speaker 1: and then emergency assistants so for example, keeping your friends 291 00:13:55,200 --> 00:13:59,160 Speaker 1: and family back home updated obviously with your permission, telephone 292 00:13:59,200 --> 00:14:02,200 Speaker 1: interpreting and translation, and if you're in hospital in a 293 00:14:02,240 --> 00:14:05,079 Speaker 1: non English speaking country, this is way more important than 294 00:14:05,120 --> 00:14:07,720 Speaker 1: you think it is. And then gee, what happens if 295 00:14:07,760 --> 00:14:11,040 Speaker 1: you have kids, Like we need to return those kids 296 00:14:11,040 --> 00:14:13,200 Speaker 1: back to Australia to be looked after. If something really 297 00:14:13,200 --> 00:14:16,839 Speaker 1: serious has happened to you, and then also sourcing emergency 298 00:14:16,840 --> 00:14:20,560 Speaker 1: prescription drugs like sometimes that is far harder than you 299 00:14:20,600 --> 00:14:22,640 Speaker 1: think it is. And I know that I'm being really dramatic, 300 00:14:23,680 --> 00:14:26,400 Speaker 1: but it happens, and it happens more often than we 301 00:14:26,400 --> 00:14:27,400 Speaker 1: would like to think it does. 302 00:14:27,760 --> 00:14:31,320 Speaker 4: Keeping on with the dramatic theme, b what happens if 303 00:14:31,320 --> 00:14:33,120 Speaker 4: I'm overseas and I pass away? 304 00:14:33,280 --> 00:14:36,480 Speaker 1: This happens. Yeah, this happens, and you will get home. 305 00:14:36,560 --> 00:14:40,040 Speaker 1: That's okay, But it does happen, and it's really upsetting. 306 00:14:40,240 --> 00:14:42,520 Speaker 1: But I guess such is life in a way, and 307 00:14:42,560 --> 00:14:45,640 Speaker 1: that's why we have travel insurance to make sure we're okay. 308 00:14:46,080 --> 00:14:48,920 Speaker 1: But if you do pass away while you are traveling overseas, 309 00:14:49,320 --> 00:14:51,200 Speaker 1: travel insurance is going to make sure that you can 310 00:14:51,240 --> 00:14:53,840 Speaker 1: either have your body or your ashes return to Australia. 311 00:14:53,920 --> 00:14:56,200 Speaker 1: That could cost up to twenty thousand dollars for your 312 00:14:56,200 --> 00:14:58,680 Speaker 1: family if you don't have that, or if your family 313 00:14:58,720 --> 00:15:00,720 Speaker 1: decides to have a funeral or a burial in the 314 00:15:00,720 --> 00:15:03,120 Speaker 1: country which you passed away, that will be covered as well. 315 00:15:03,160 --> 00:15:06,720 Speaker 1: So I think it's interesting to think about a bit morbid, 316 00:15:06,920 --> 00:15:10,440 Speaker 1: but it's a big part of travel insurance. It really is, 317 00:15:10,480 --> 00:15:12,920 Speaker 1: because that could cost your family thousands. 318 00:15:13,000 --> 00:15:14,440 Speaker 4: Yeah, and you don't want to lump that on them 319 00:15:14,480 --> 00:15:17,480 Speaker 4: when they're already grieving your loss. All right, on that 320 00:15:17,640 --> 00:15:21,200 Speaker 4: morbid note, VD, let's take a little break more. 321 00:15:21,320 --> 00:15:26,240 Speaker 1: Let's best podcast. That's not She's on the money, I'm obsessed. 322 00:15:28,120 --> 00:15:30,200 Speaker 1: Haven't checked that out? Do that in your break also 323 00:15:30,240 --> 00:15:32,240 Speaker 1: come back to us. Course after this, we're going to 324 00:15:32,320 --> 00:15:34,760 Speaker 1: talk more about travel insurance, COVID and all of those 325 00:15:34,800 --> 00:15:35,520 Speaker 1: spicy things. 326 00:15:35,560 --> 00:15:36,280 Speaker 4: What more could you want? 327 00:15:36,320 --> 00:15:37,800 Speaker 1: Maybe their podcast better this time? 328 00:15:41,600 --> 00:15:43,880 Speaker 4: All right, very straight back into it. We had a 329 00:15:43,960 --> 00:15:47,720 Speaker 4: number of questions about COVID, which makes a lot of sense, 330 00:15:47,760 --> 00:15:49,840 Speaker 4: and you said it before that not a lot of 331 00:15:50,000 --> 00:15:51,240 Speaker 4: insurers do cover it. 332 00:15:51,240 --> 00:15:53,800 Speaker 1: What's yeah, because it's so prevalent, right, and it kind 333 00:15:53,800 --> 00:15:55,840 Speaker 1: of makes sense for them to go, all right, well, 334 00:15:55,840 --> 00:15:59,120 Speaker 1: if you're going to travel, you know, COVID exists, you know, 335 00:15:59,200 --> 00:16:01,240 Speaker 1: it's been around for a while. That's a risk that 336 00:16:01,360 --> 00:16:04,480 Speaker 1: you have to wear, so it pays if you're planning 337 00:16:04,480 --> 00:16:06,920 Speaker 1: on getting travel insurance and want to be covered for that. 338 00:16:07,240 --> 00:16:11,080 Speaker 1: To take that into consideration, several insurers have literally now 339 00:16:11,120 --> 00:16:14,320 Speaker 1: been like, either we're not doing travel insurance for the meantime, 340 00:16:14,360 --> 00:16:17,240 Speaker 1: because it's too much risk on them, we are going 341 00:16:17,280 --> 00:16:20,280 Speaker 1: to limit cover, so we're going to exclude anything related 342 00:16:20,280 --> 00:16:23,000 Speaker 1: to COVID, or if they do have COVID included in 343 00:16:23,000 --> 00:16:25,880 Speaker 1: their policy, there's a really strict guideline as how that 344 00:16:25,960 --> 00:16:29,480 Speaker 1: can be used or abused. Essentially, so some policies only 345 00:16:29,480 --> 00:16:32,800 Speaker 1: cover medical and repatriation costs if you get COVID overseas, 346 00:16:32,840 --> 00:16:36,400 Speaker 1: while other policies actually provide limited cover for cancelation costs 347 00:16:36,440 --> 00:16:39,560 Speaker 1: and medical costs and repatriation costs and stuff like that. 348 00:16:39,840 --> 00:16:42,840 Speaker 1: So I think it's important to take this into consideration 349 00:16:42,960 --> 00:16:45,960 Speaker 1: as to how important this is for you. Because having 350 00:16:45,960 --> 00:16:48,360 Speaker 1: this conversation with Jess and you know, the girls before 351 00:16:48,400 --> 00:16:50,040 Speaker 1: we went on our holiday, I was like, well, what 352 00:16:50,160 --> 00:16:53,120 Speaker 1: happens if one of us get COVID? Obviously we have 353 00:16:53,200 --> 00:16:56,320 Speaker 1: to isolate and do what that country needs us to do. 354 00:16:56,400 --> 00:16:58,880 Speaker 1: How would that work? So we'd thought about it a lot, 355 00:16:59,040 --> 00:17:03,600 Speaker 1: but it was real important for me on a expensive, 356 00:17:03,840 --> 00:17:06,920 Speaker 1: let's be honest Europe trip with a group of girls, 357 00:17:07,160 --> 00:17:09,720 Speaker 1: to be covered so that we weren't completely out if 358 00:17:09,720 --> 00:17:12,399 Speaker 1: one of us did. I mean, we're crazy. So we 359 00:17:12,520 --> 00:17:15,800 Speaker 1: traveled with like a box of fifty rapid tests because 360 00:17:15,800 --> 00:17:18,440 Speaker 1: we were like, we aren't going to take any risks. 361 00:17:18,840 --> 00:17:20,960 Speaker 1: Jess coughed one day and I was like, rappit, get 362 00:17:20,960 --> 00:17:23,399 Speaker 1: it go, and like we were all just testing to 363 00:17:23,400 --> 00:17:25,359 Speaker 1: make sure that we were okay. I think we're also 364 00:17:25,480 --> 00:17:27,600 Speaker 1: really over the top with it because we're traveling with 365 00:17:27,640 --> 00:17:29,879 Speaker 1: someone who was pregnant, so I was like, there is 366 00:17:30,000 --> 00:17:33,720 Speaker 1: no chance I'm going to even be party to giving 367 00:17:33,760 --> 00:17:36,720 Speaker 1: a baby COVID, Like not a chance. But it's really 368 00:17:36,800 --> 00:17:39,359 Speaker 1: important to understand that there will be costs if you 369 00:17:39,400 --> 00:17:41,600 Speaker 1: get COVID overseas, and they could be big, they could 370 00:17:41,600 --> 00:17:43,680 Speaker 1: be small. It could be you know, having to extend 371 00:17:43,880 --> 00:17:46,440 Speaker 1: your accommodation so that you can stay in the one 372 00:17:46,440 --> 00:17:49,639 Speaker 1: place and isolate. Could be Uber Eats deliveries because you 373 00:17:49,680 --> 00:17:52,040 Speaker 1: can't just like cook in a hotel room, right like 374 00:17:52,080 --> 00:17:53,320 Speaker 1: where are you going to get food? Are you going 375 00:17:53,400 --> 00:17:54,719 Speaker 1: to get Uber Eats or are you going to get 376 00:17:54,760 --> 00:17:57,000 Speaker 1: room service? Or how is this going to work? It 377 00:17:57,040 --> 00:17:59,760 Speaker 1: could be cancelation, so like loss of you know that 378 00:18:00,040 --> 00:18:01,480 Speaker 1: boat to where you are going to go on that 379 00:18:01,520 --> 00:18:04,040 Speaker 1: you now can't go on. So there's a lot to it, 380 00:18:04,160 --> 00:18:06,960 Speaker 1: but it's worth considering if it's important to you or not. 381 00:18:07,840 --> 00:18:11,600 Speaker 4: Are there cooling off periods for COVID cancelation cover? 382 00:18:11,800 --> 00:18:14,000 Speaker 1: Yes, and it is best to buy your travel insurance 383 00:18:14,040 --> 00:18:15,600 Speaker 1: at the same time as you book your trip. So 384 00:18:15,640 --> 00:18:18,760 Speaker 1: some insurers only cover cancelation if you test positive to 385 00:18:18,840 --> 00:18:21,680 Speaker 1: COVID and their policy was purchased twenty one days before 386 00:18:21,720 --> 00:18:23,720 Speaker 1: your scheduled departure date, which you go, oh, my gosh, 387 00:18:23,760 --> 00:18:27,480 Speaker 1: wouldn't everyone do that? No, Georgia King, because Jess and 388 00:18:27,520 --> 00:18:29,640 Speaker 1: I and the girls, we decided to go on our 389 00:18:29,640 --> 00:18:31,840 Speaker 1: holiday with less than twenty one days to books, so 390 00:18:31,920 --> 00:18:34,359 Speaker 1: like we were covered by that. Thankfully we didn't get COVID. 391 00:18:34,760 --> 00:18:39,800 Speaker 4: May wait, goodness, do cancelation policies usually cover extra expenses 392 00:18:39,840 --> 00:18:41,200 Speaker 4: for like quarantine costs? 393 00:18:41,400 --> 00:18:44,040 Speaker 1: Yes, yes they do, but there are a fair few 394 00:18:44,119 --> 00:18:46,720 Speaker 1: exclusions and limits to look out for in your policy, 395 00:18:46,760 --> 00:18:49,119 Speaker 1: and not all policies are created equally, so you do 396 00:18:49,240 --> 00:18:50,840 Speaker 1: need to have a look, especially when it comes to 397 00:18:50,880 --> 00:18:55,119 Speaker 1: COVID cover. Not all cancelation policies cover cancelation or extra 398 00:18:55,320 --> 00:18:58,919 Speaker 1: expenses for quarantine if you're deemed a close contact overseas, 399 00:18:59,280 --> 00:19:01,200 Speaker 1: which I thought it was really important. I was like, well, 400 00:19:01,240 --> 00:19:03,119 Speaker 1: what if one of the girls get COVID that's going 401 00:19:03,200 --> 00:19:05,240 Speaker 1: to impact the rest of the trip, like, how does 402 00:19:05,320 --> 00:19:09,399 Speaker 1: this work? And many policies cover the cancelation and extra 403 00:19:09,440 --> 00:19:12,480 Speaker 1: expenses to as little as twenty five hundred dollars combined. 404 00:19:12,920 --> 00:19:17,240 Speaker 1: So in my situation, combined was the active word there. 405 00:19:17,560 --> 00:19:19,679 Speaker 1: That wouldn't have worked for us. So we were like, well, 406 00:19:19,720 --> 00:19:23,119 Speaker 1: twenty five hundred dollars across five girls for needing to 407 00:19:23,119 --> 00:19:24,960 Speaker 1: be in quarantine for a week. That's going to do 408 00:19:25,080 --> 00:19:29,040 Speaker 1: basically nothing. And then travel insurance policies are very unlikely 409 00:19:29,119 --> 00:19:31,760 Speaker 1: to cover cancelation if you're unable to travel due to 410 00:19:31,840 --> 00:19:35,439 Speaker 1: general traveler restrictions, so stuff like lockdown at home or 411 00:19:35,480 --> 00:19:38,199 Speaker 1: at your planned destination. So it's literally only if you 412 00:19:38,320 --> 00:19:40,879 Speaker 1: have it, if that makes sense, because you shouldn't be 413 00:19:40,880 --> 00:19:43,320 Speaker 1: booking a holiday if you're in lockdown. Yeah, yeah, for sure, 414 00:19:43,400 --> 00:19:45,080 Speaker 1: I feel like that's very sad holiday. 415 00:19:45,680 --> 00:19:47,840 Speaker 4: Just a little PSA from me as well. It's really 416 00:19:47,840 --> 00:19:50,840 Speaker 4: important to remember that even though the ban on international 417 00:19:50,920 --> 00:19:54,920 Speaker 4: travel for vaxed Australians has been lifted, transit and destination 418 00:19:55,000 --> 00:19:58,560 Speaker 4: countries still may apply restrictions on your entries, such as 419 00:19:58,880 --> 00:19:59,920 Speaker 4: quarantine on entry. 420 00:20:00,080 --> 00:20:02,560 Speaker 1: Yeah, it was really interesting, obviously, we will make sure 421 00:20:02,600 --> 00:20:05,479 Speaker 1: that those are linked in our show notes. But your 422 00:20:05,560 --> 00:20:09,960 Speaker 1: vaccination status does impact or can impact your travel insurance 423 00:20:10,000 --> 00:20:12,719 Speaker 1: cover which is important to note because you know, if 424 00:20:12,760 --> 00:20:16,240 Speaker 1: you've chosen not to be vaccinated, that's you know, something 425 00:20:16,240 --> 00:20:20,520 Speaker 1: you would need to take into consideration. But also traveling 426 00:20:20,560 --> 00:20:23,760 Speaker 1: around the different countries was really interesting as well, because 427 00:20:23,800 --> 00:20:27,359 Speaker 1: you need to get your international COVID certificate, so we 428 00:20:27,440 --> 00:20:28,960 Speaker 1: had to download that and I had that on my 429 00:20:29,000 --> 00:20:31,480 Speaker 1: phone and I had a PDF version of that. People 430 00:20:31,520 --> 00:20:34,840 Speaker 1: did check it, but there were also different rules and regulations. 431 00:20:34,920 --> 00:20:38,160 Speaker 1: So for example, George, we went from London to France 432 00:20:38,680 --> 00:20:41,040 Speaker 1: and we had to have had a second booster within 433 00:20:41,080 --> 00:20:42,920 Speaker 1: three months, and if it was more than three months, 434 00:20:42,920 --> 00:20:45,800 Speaker 1: we had to have a full PCR test beforehand. So 435 00:20:45,840 --> 00:20:48,680 Speaker 1: there was actually a lot of logistics that went into 436 00:20:49,000 --> 00:20:52,479 Speaker 1: changing country and traveling because some of us had had 437 00:20:52,520 --> 00:20:54,720 Speaker 1: our booster and one of us was triple vax, but 438 00:20:54,760 --> 00:20:57,639 Speaker 1: it had happened like four months ago, so therefore we 439 00:20:57,680 --> 00:21:00,639 Speaker 1: needed to organize a PCR and that's actually quite an 440 00:21:00,680 --> 00:21:03,199 Speaker 1: expensive process when you're in the middle of London and 441 00:21:03,240 --> 00:21:06,120 Speaker 1: you need it in four hours, So it's worth considering 442 00:21:06,119 --> 00:21:08,720 Speaker 1: and making sure you're there, but then also the plane, 443 00:21:09,359 --> 00:21:11,520 Speaker 1: I can't remember if they checked. I don't think they checked, 444 00:21:11,520 --> 00:21:13,959 Speaker 1: but they definitely made sure that everybody on the plane 445 00:21:14,040 --> 00:21:16,359 Speaker 1: was you know, hand sanitizing and wearing their masks for 446 00:21:16,440 --> 00:21:19,360 Speaker 1: the entire time. But once you were there, you definitely 447 00:21:19,400 --> 00:21:21,479 Speaker 1: didn't feel it. So it sounds very dramatic, and I 448 00:21:21,600 --> 00:21:24,239 Speaker 1: know that, you know, it's actually really important. I know 449 00:21:24,320 --> 00:21:26,439 Speaker 1: the entire ses on the Money team is vaxed and 450 00:21:26,600 --> 00:21:29,399 Speaker 1: very pro vaxed, so we're not having this conversation, but 451 00:21:29,720 --> 00:21:32,320 Speaker 1: I think it's important to understand what those hurdles were. 452 00:21:32,400 --> 00:21:35,919 Speaker 1: Even for us as fully triple vaxed people trying to 453 00:21:35,960 --> 00:21:38,160 Speaker 1: get into another country, it was, you know, a fair 454 00:21:38,160 --> 00:21:41,160 Speaker 1: few hurdles to get over and prove and they were 455 00:21:41,200 --> 00:21:44,840 Speaker 1: scanning our vaxed certificates and checking them and doing temperatures 456 00:21:44,880 --> 00:21:48,040 Speaker 1: at the airport. So I think it's to be honest, 457 00:21:48,320 --> 00:21:50,560 Speaker 1: I'm really glad they're taking it seriously because it's for 458 00:21:50,600 --> 00:21:51,040 Speaker 1: our safety. 459 00:21:51,119 --> 00:21:54,360 Speaker 4: Yeah, one hundred percent. It can be quite overwhelming as well. 460 00:21:54,400 --> 00:21:57,560 Speaker 4: So we're going to link Smart Traveler into our show notes, 461 00:21:57,600 --> 00:21:59,639 Speaker 4: which kind of it tells you where I think one 462 00:21:59,720 --> 00:22:03,040 Speaker 4: hundred seventy seven countries. It tells you what you need 463 00:22:03,080 --> 00:22:04,719 Speaker 4: to do to get into them, so that makes it 464 00:22:04,800 --> 00:22:05,119 Speaker 4: much and. 465 00:22:05,240 --> 00:22:08,600 Speaker 1: Travel tip right, check Smart Traveler before you literally cook 466 00:22:08,680 --> 00:22:12,199 Speaker 1: anything anywhere, like it is the go to website, Like 467 00:22:12,240 --> 00:22:15,440 Speaker 1: this is not sponsored, it's just good practice, Like check 468 00:22:15,520 --> 00:22:18,000 Speaker 1: that before you even check flight prices, because they'll tell 469 00:22:18,040 --> 00:22:20,400 Speaker 1: you whether you can or can't travel, or if there's 470 00:22:20,440 --> 00:22:23,560 Speaker 1: any safety warnings, or there's a tsunami that's happened that 471 00:22:23,640 --> 00:22:26,120 Speaker 1: you haven't been provy to, like it's so important. 472 00:22:26,359 --> 00:22:30,560 Speaker 4: So COVID has definitely thrown spanner, a spanner, couple of spanners, 473 00:22:30,560 --> 00:22:33,320 Speaker 4: big spanners into the work speed. What are your top 474 00:22:33,320 --> 00:22:34,440 Speaker 4: tips for figuring out what we. 475 00:22:34,400 --> 00:22:36,800 Speaker 1: Need when it comes to travelingsurance, Like when it comes 476 00:22:36,840 --> 00:22:39,000 Speaker 1: to you looking after yourself for COVID, because I've had COVID, 477 00:22:39,200 --> 00:22:41,359 Speaker 1: can you give you some hot tip green Coottie's Cordial, 478 00:22:41,400 --> 00:22:43,720 Speaker 1: Green Cotty's Cordial ten out of ten if you know 479 00:22:43,800 --> 00:22:48,920 Speaker 1: you know the sparkling version, Chef's kiss. But the one 480 00:22:48,920 --> 00:22:51,080 Speaker 1: thing I would do is do your research. So the 481 00:22:51,119 --> 00:22:53,680 Speaker 1: first thing I would do is again head to Smart Traveler. 482 00:22:53,800 --> 00:22:56,640 Speaker 1: Have a look. What is the Smart Traveler advice level 483 00:22:56,640 --> 00:22:59,440 Speaker 1: for the countries that you are traveling to and can 484 00:22:59,480 --> 00:23:02,520 Speaker 1: we make sure that your travel insurance policy covers you 485 00:23:02,600 --> 00:23:05,000 Speaker 1: for those things? If not, you're going to have a 486 00:23:05,119 --> 00:23:06,000 Speaker 1: very clear gap. 487 00:23:06,359 --> 00:23:06,560 Speaker 4: Right. 488 00:23:06,840 --> 00:23:09,879 Speaker 1: So I remember traveling way back when Tabali, like it 489 00:23:10,000 --> 00:23:12,560 Speaker 1: was around the time that there was a tsunami. It 490 00:23:12,600 --> 00:23:15,600 Speaker 1: happened a couple of years ago, and they said, in 491 00:23:15,640 --> 00:23:19,239 Speaker 1: my travel insurance policy, we won't cover you if this 492 00:23:19,320 --> 00:23:21,800 Speaker 1: happens because it's essentially a global event and it was 493 00:23:21,840 --> 00:23:24,080 Speaker 1: way too big for the travel insurance company to cover. 494 00:23:24,280 --> 00:23:26,440 Speaker 1: And I was like, oh, interesting, but that will really 495 00:23:26,560 --> 00:23:30,080 Speaker 1: quickly show you the gaps of whether it's worth the 496 00:23:30,160 --> 00:23:32,320 Speaker 1: risk or not worth the risk, and it will let 497 00:23:32,359 --> 00:23:34,200 Speaker 1: you know whether it's a good idea to travel there 498 00:23:34,320 --> 00:23:37,240 Speaker 1: or not. So g on, smart traveler. If your destination 499 00:23:37,359 --> 00:23:39,840 Speaker 1: that you're going to is an advice level three, it 500 00:23:39,880 --> 00:23:42,679 Speaker 1: will mean that you need to reconsider travel. And not 501 00:23:42,760 --> 00:23:45,320 Speaker 1: all travel insurers are going to cover that because they're like, 502 00:23:45,640 --> 00:23:48,920 Speaker 1: don't be dumb and go to a travel destination that's 503 00:23:48,960 --> 00:23:51,560 Speaker 1: going to put you at significant risk. I can get 504 00:23:51,560 --> 00:23:54,640 Speaker 1: behind that policy kind of makes sense absolutely, But then 505 00:23:54,760 --> 00:23:58,159 Speaker 1: also does your destination require proof that you're insured for 506 00:23:58,240 --> 00:24:03,200 Speaker 1: COVID nineteen medical related spencers so interestingly, if you wanted 507 00:24:03,200 --> 00:24:05,800 Speaker 1: to go to Singapore, you actually have to make sure 508 00:24:05,840 --> 00:24:09,400 Speaker 1: that you have COVID nineteen travel insurance and a minimum 509 00:24:09,440 --> 00:24:13,760 Speaker 1: coverage amount of thirty thousand Singapore dollars. Like would you 510 00:24:13,800 --> 00:24:15,320 Speaker 1: have known that if you hadn't gone to a smart 511 00:24:15,359 --> 00:24:17,920 Speaker 1: travel No. But then also you might have just gone, 512 00:24:17,960 --> 00:24:19,919 Speaker 1: all right, I'm just going to get some cheap travel insurance. 513 00:24:19,920 --> 00:24:21,280 Speaker 1: You would have got to their border and they would 514 00:24:21,320 --> 00:24:24,200 Speaker 1: have been like, yeat home, my friend, because you were covered. 515 00:24:24,680 --> 00:24:26,960 Speaker 1: The next is are you covered for the full duration 516 00:24:27,080 --> 00:24:29,440 Speaker 1: of your trip? And can you extend your cover if 517 00:24:29,480 --> 00:24:32,520 Speaker 1: you're overseas for longer than planned due to a canceled flight. 518 00:24:32,840 --> 00:24:34,679 Speaker 1: So I don't know if this is travel hack or 519 00:24:34,760 --> 00:24:39,080 Speaker 1: just me being anxious, but I always book my travel 520 00:24:39,119 --> 00:24:41,840 Speaker 1: insurance to start the night before and end the night 521 00:24:41,920 --> 00:24:44,879 Speaker 1: after I get back, because I just don't like the 522 00:24:45,040 --> 00:24:47,280 Speaker 1: idea that, you know, if my flight was delayed and 523 00:24:47,359 --> 00:24:50,040 Speaker 1: something happened and I was in an airport, like this 524 00:24:50,080 --> 00:24:54,200 Speaker 1: is victory Divine's thought pattern, Like she's an anxious girl. 525 00:24:54,320 --> 00:24:56,440 Speaker 4: But that helps you, right, yes, So, like. 526 00:24:56,440 --> 00:24:59,960 Speaker 1: My anxiety is channeled into bettering the community. So if 527 00:25:00,080 --> 00:25:02,400 Speaker 1: I got back at like For example, I can tell 528 00:25:02,400 --> 00:25:05,760 Speaker 1: you exactly I was meant to get back on Saturday 529 00:25:05,800 --> 00:25:08,800 Speaker 1: morning at like six am or something, so I actually 530 00:25:08,880 --> 00:25:11,480 Speaker 1: made sure that six am on Sunday might cover finished 531 00:25:11,640 --> 00:25:13,320 Speaker 1: because I was like, I just don't want there to 532 00:25:13,359 --> 00:25:15,800 Speaker 1: be any wiggle room of me being in the wrong 533 00:25:15,880 --> 00:25:19,760 Speaker 1: here if something did happen. So, yeah, that's anxiety, gal 534 00:25:19,880 --> 00:25:22,280 Speaker 1: love it trying to help you out. And then also 535 00:25:22,600 --> 00:25:26,000 Speaker 1: any stopovers on the way to your destination covered, Like 536 00:25:26,040 --> 00:25:27,919 Speaker 1: if there's a restriction on the amount of time that 537 00:25:27,960 --> 00:25:30,359 Speaker 1: you can be in a stopover location, that needs to 538 00:25:30,400 --> 00:25:33,000 Speaker 1: be taken into consideration, and what happens if you remain 539 00:25:33,080 --> 00:25:35,720 Speaker 1: stuck in that location for an extended period of time. 540 00:25:36,119 --> 00:25:41,080 Speaker 1: Speaking of stopover destinations and being triggered, Georgia King, what 541 00:25:41,640 --> 00:25:45,280 Speaker 1: lets play a quick little guessing game of how much 542 00:25:45,359 --> 00:25:51,480 Speaker 1: money did stopping over in Dubai in international roaming fees? Oh, 543 00:25:51,800 --> 00:25:56,960 Speaker 1: I'm so I did my research. My phone network allows 544 00:25:57,000 --> 00:25:59,480 Speaker 1: five dollars roaming overseas, and I'm like money, we need 545 00:25:59,600 --> 00:26:02,000 Speaker 1: now do five bucks? I have nailed this. Get to 546 00:26:02,080 --> 00:26:04,320 Speaker 1: use my existing data for only five bucks a day. 547 00:26:04,560 --> 00:26:06,840 Speaker 1: I'm not even gonna think about it. Get to Dubai 548 00:26:07,000 --> 00:26:09,240 Speaker 1: turn on my phone to tell my mom, Hey mom, 549 00:26:09,359 --> 00:26:12,119 Speaker 1: this is sick. I'm in Dubai, and my phone starts 550 00:26:12,160 --> 00:26:18,760 Speaker 1: racking up seven hundred, maybe one hundred dollars in two 551 00:26:18,840 --> 00:26:23,879 Speaker 1: hours in Dubai, seven hundred dollars. Because this very charitable 552 00:26:23,880 --> 00:26:27,080 Speaker 1: individual was like, don't worry, Alex, don't worry Steph, don't 553 00:26:27,119 --> 00:26:31,639 Speaker 1: worry Rose. It's a lot of got five dollar roaming 554 00:26:32,080 --> 00:26:34,760 Speaker 1: tether to my phone. So they all used my Inintenet. 555 00:26:34,840 --> 00:26:37,399 Speaker 1: I used Maintenet, and now I have a seven hundred 556 00:26:37,600 --> 00:26:40,360 Speaker 1: dollar phone bill, which is a money loss, and I'm 557 00:26:40,400 --> 00:26:42,399 Speaker 1: currently talking to them about trying to get out of 558 00:26:42,440 --> 00:26:46,439 Speaker 1: that because that was not communicated to me. But maybe 559 00:26:46,440 --> 00:26:50,159 Speaker 1: that's my stupidity. I should have known known can't be 560 00:26:50,200 --> 00:26:52,920 Speaker 1: perfect in every way A doll well, I look up 561 00:26:53,000 --> 00:26:54,679 Speaker 1: and then, to be honest, I think I've got this 562 00:26:54,720 --> 00:26:57,200 Speaker 1: loophole right. So sorry, if you're all my phone provider 563 00:26:57,240 --> 00:26:59,680 Speaker 1: and you're listening to this. Halfway through, they send you 564 00:26:59,720 --> 00:27:01,560 Speaker 1: a checht message and they say you're one hundred dollars 565 00:27:01,600 --> 00:27:04,639 Speaker 1: over and I was like, no, I've got five dollar roaming, 566 00:27:04,720 --> 00:27:07,240 Speaker 1: like that makes no sense. And my phone provider has 567 00:27:07,320 --> 00:27:09,560 Speaker 1: a app, so I like logged onto the app and 568 00:27:09,640 --> 00:27:12,080 Speaker 1: sent them a message and said, hey, like, I just 569 00:27:12,119 --> 00:27:14,480 Speaker 1: got this text message saying that I'm one hundred dollars 570 00:27:14,480 --> 00:27:17,560 Speaker 1: over like I'm on five dollar roaming. Can you please confirm? 571 00:27:17,840 --> 00:27:19,960 Speaker 1: And they replied and said, yeah, just confirming you are 572 00:27:20,000 --> 00:27:22,720 Speaker 1: on five dollar roaming. So I thought that was an error, 573 00:27:22,720 --> 00:27:24,840 Speaker 1: not that I had one hundred dollar bill. So I 574 00:27:24,880 --> 00:27:27,920 Speaker 1: think that that loophole of them confirming. 575 00:27:27,400 --> 00:27:27,600 Speaker 4: That I. 576 00:27:29,280 --> 00:27:31,960 Speaker 1: Kept using it just assuming then maybe that's how they 577 00:27:31,960 --> 00:27:34,800 Speaker 1: measure it. Like, I don't know what this turns out. 578 00:27:34,840 --> 00:27:39,200 Speaker 1: I'm just really silly. Oh girl, girl, that was not 579 00:27:39,240 --> 00:27:41,440 Speaker 1: covered or my travel insurance Georgia. 580 00:27:41,160 --> 00:27:44,040 Speaker 4: King, See, we're learning from your mistakes. Was there anything 581 00:27:44,040 --> 00:27:45,640 Speaker 4: else you wanted to cover off here? 582 00:27:45,800 --> 00:27:48,159 Speaker 1: There's obviously a lot of different tips and tricks, and 583 00:27:48,240 --> 00:27:51,520 Speaker 1: I might actually whack together a little blog post so 584 00:27:51,560 --> 00:27:53,720 Speaker 1: that they're all there, because I feel like I've done 585 00:27:53,720 --> 00:27:56,639 Speaker 1: their research and you guys should benefit from that. But 586 00:27:57,000 --> 00:27:59,359 Speaker 1: the other thing I want to point out is if 587 00:27:59,400 --> 00:28:01,600 Speaker 1: you're a cruise and you're going to go on a cruise, 588 00:28:01,680 --> 00:28:04,000 Speaker 1: you need to be extra careful because a lot of 589 00:28:04,000 --> 00:28:07,560 Speaker 1: travel inturers might not offer COVID nineteen for multi night cruises, 590 00:28:07,800 --> 00:28:11,919 Speaker 1: which I thought was a bit wild, but something worthy 591 00:28:11,960 --> 00:28:14,280 Speaker 1: of consideration because I think at this point in time, 592 00:28:14,320 --> 00:28:16,600 Speaker 1: a lot of people going, oh, cruise seems really easy, 593 00:28:16,800 --> 00:28:20,240 Speaker 1: but also like a bacon for cultivating COVID. 594 00:28:20,400 --> 00:28:24,879 Speaker 4: Yeah. Well, remember at the start Princess Swan or something, 595 00:28:25,200 --> 00:28:27,000 Speaker 4: I don't know, the Ruby Princess. 596 00:28:27,280 --> 00:28:29,240 Speaker 1: They have such interesting cruise ship names. 597 00:28:29,280 --> 00:28:30,680 Speaker 4: Absolutely, they're very sexy. 598 00:28:30,840 --> 00:28:33,080 Speaker 1: When we were in Monaco. When we were in Monaco, 599 00:28:33,240 --> 00:28:36,000 Speaker 1: there was this woman walking around for the flag and 600 00:28:36,000 --> 00:28:38,920 Speaker 1: the plethora of Americans behind her, and her flag said 601 00:28:38,960 --> 00:28:41,520 Speaker 1: celebrity cruisers, and I was like, oh, those people don't 602 00:28:41,560 --> 00:28:44,960 Speaker 1: look like celebrities, but they named cruises real weird names. 603 00:28:45,120 --> 00:28:47,840 Speaker 4: Absolutely. I love a good cruise, happy to have the boats. 604 00:28:47,840 --> 00:28:48,880 Speaker 1: Have you been on a cruise? 605 00:28:49,040 --> 00:28:51,480 Speaker 4: Yeah, with mom and Dad when I was like eighteen, 606 00:28:52,080 --> 00:28:54,760 Speaker 4: I was like, Mango Dakari please. I felt like such 607 00:28:54,760 --> 00:28:57,600 Speaker 4: a spoiled little beach, litle abyss. It was so good. 608 00:28:57,760 --> 00:28:58,480 Speaker 1: Was it included? 609 00:28:58,760 --> 00:29:00,880 Speaker 4: Yeah, it was like the money Caress. 610 00:29:01,280 --> 00:29:05,040 Speaker 1: It was the best on a cruise. Looking at our producers, 611 00:29:05,120 --> 00:29:07,760 Speaker 1: she says, no, but it is. 612 00:29:07,800 --> 00:29:09,280 Speaker 4: It's very much an older demographic. 613 00:29:09,360 --> 00:29:11,640 Speaker 1: Soon, Yeah, we can make a fun back to travel 614 00:29:11,680 --> 00:29:15,000 Speaker 1: insurance question Jking on tour, lots of. 615 00:29:15,000 --> 00:29:18,080 Speaker 4: People be on the IG wanted to know if their 616 00:29:18,080 --> 00:29:21,080 Speaker 4: credit card company offers them default insurance when they travel. 617 00:29:21,120 --> 00:29:21,560 Speaker 4: Is that a thing? 618 00:29:21,680 --> 00:29:23,400 Speaker 1: It is a thing, and it's a really nice perk, 619 00:29:23,520 --> 00:29:26,360 Speaker 1: and it can, from my perspective, be a really nice 620 00:29:26,400 --> 00:29:29,240 Speaker 1: perk for the cost of your travel. So, say you 621 00:29:29,360 --> 00:29:33,320 Speaker 1: booked your flights on your credit card. Usually then your 622 00:29:33,320 --> 00:29:36,040 Speaker 1: credit card's like, Wow, that entitles you to get free 623 00:29:36,040 --> 00:29:38,720 Speaker 1: travel insurance from us. But the thing I would be 624 00:29:38,800 --> 00:29:42,360 Speaker 1: really wary of is what's included and what's not included, 625 00:29:42,400 --> 00:29:47,320 Speaker 1: because it's usually a very low cost group insurance policy 626 00:29:47,720 --> 00:29:50,479 Speaker 1: that is probably not covering the things you need. And 627 00:29:50,520 --> 00:29:52,400 Speaker 1: too many times people just go, oh my god, but 628 00:29:52,440 --> 00:29:54,239 Speaker 1: I booked on my credit card, It's fine, I have 629 00:29:54,360 --> 00:29:57,120 Speaker 1: automatic insurance. I'm like, did you even look at the policy? 630 00:29:57,160 --> 00:30:00,160 Speaker 1: Do you even know what's included? I'm sure there are 631 00:30:00,160 --> 00:30:03,800 Speaker 1: some credit card companies that have great travel insurance policies, 632 00:30:04,400 --> 00:30:07,440 Speaker 1: but from my perspective, they're just not enough. They just 633 00:30:07,480 --> 00:30:09,880 Speaker 1: don't cover enough of the stuff that I would want 634 00:30:09,920 --> 00:30:13,120 Speaker 1: you personally covered for, and a lot of their priority 635 00:30:13,320 --> 00:30:16,240 Speaker 1: is on, you know, making you feel good about booking 636 00:30:16,240 --> 00:30:18,880 Speaker 1: your flights through your credit card, so it would cover 637 00:30:18,960 --> 00:30:20,920 Speaker 1: loss of income if you missed your flights, or it 638 00:30:21,000 --> 00:30:23,480 Speaker 1: might cover like loss of luggage or something. But they're 639 00:30:23,560 --> 00:30:26,880 Speaker 1: not talking about expatriation right, and that to me is 640 00:30:26,920 --> 00:30:29,080 Speaker 1: the important part. Like I just want to make sure 641 00:30:29,280 --> 00:30:31,880 Speaker 1: that your body is safe and you get home in full, 642 00:30:32,160 --> 00:30:34,280 Speaker 1: regardless of whether your laptop comes home with you or not. 643 00:30:34,440 --> 00:30:39,680 Speaker 4: Sure, speaking of danger, danger danger driving cars overseas, often 644 00:30:39,720 --> 00:30:41,560 Speaker 4: you're on the other side of the road. It's not 645 00:30:41,640 --> 00:30:43,720 Speaker 4: that easy. Sure is there? 646 00:30:44,840 --> 00:30:45,000 Speaker 1: Yes? 647 00:30:45,000 --> 00:30:45,400 Speaker 4: There is? 648 00:30:45,440 --> 00:30:48,240 Speaker 1: But did you know you also needed an international drivers permit. 649 00:30:48,920 --> 00:30:52,160 Speaker 1: So in addition to having your driver's license, you need 650 00:30:52,160 --> 00:30:54,960 Speaker 1: an international driver's permit. And I promise they're really easy 651 00:30:55,000 --> 00:30:57,360 Speaker 1: to get if you aren't on your pea plates. If 652 00:30:57,360 --> 00:30:59,760 Speaker 1: you actually have a full license, you just go through 653 00:31:00,280 --> 00:31:03,080 Speaker 1: RACV or RACQ or whatever it is in your state. 654 00:31:03,200 --> 00:31:07,240 Speaker 1: Just literally google IDP or International drivers Permit. But you 655 00:31:07,360 --> 00:31:11,680 Speaker 1: actually need to have your Australian license and a complimentary 656 00:31:11,760 --> 00:31:14,600 Speaker 1: international drivers permit to make sure that you are safe. 657 00:31:14,800 --> 00:31:16,800 Speaker 1: And I say this not because you can't just go 658 00:31:16,840 --> 00:31:19,320 Speaker 1: to France and hire a car. You can, but will 659 00:31:19,320 --> 00:31:22,160 Speaker 1: your travel insurance cover you if you don't have your permit. 660 00:31:22,560 --> 00:31:25,720 Speaker 1: Probably not, so it's important to understand that the same 661 00:31:25,760 --> 00:31:28,160 Speaker 1: thing happens. Like you know how many Australians go to Bali. 662 00:31:28,240 --> 00:31:30,520 Speaker 1: They're like, I just got a scooter, Like, of course 663 00:31:30,520 --> 00:31:32,400 Speaker 1: they're going to lease a scooter to you. Are you 664 00:31:32,480 --> 00:31:34,520 Speaker 1: actually covered on your travel insurance? 665 00:31:34,880 --> 00:31:34,960 Speaker 2: No? 666 00:31:35,280 --> 00:31:38,040 Speaker 1: And that's what we saw in that money diary ages ago, 667 00:31:38,360 --> 00:31:41,720 Speaker 1: where her husband had a scooter accident wasn't covered because 668 00:31:41,720 --> 00:31:44,120 Speaker 1: he didn't have a driver's license to drive that. So 669 00:31:44,240 --> 00:31:46,280 Speaker 1: that is heartbreaking to think that you're like, oh, I'm 670 00:31:46,320 --> 00:31:48,880 Speaker 1: just on holiday, it'll be fine. But if you apply 671 00:31:48,960 --> 00:31:51,480 Speaker 1: for your international driving permit, it's actually really easy. You 672 00:31:51,520 --> 00:31:53,360 Speaker 1: can do it all online. I say that because I 673 00:31:53,440 --> 00:31:55,760 Speaker 1: did it before I left. We didn't end up hiring 674 00:31:55,800 --> 00:31:57,360 Speaker 1: a car, but I didn't want to be stuck for 675 00:31:57,480 --> 00:32:02,640 Speaker 1: choice because like the idea of hiring a vintage French 676 00:32:02,760 --> 00:32:06,960 Speaker 1: car to drive down the vintage French Riviera was very appealing. 677 00:32:07,480 --> 00:32:09,640 Speaker 1: But when we got there and realized how expensive it was, 678 00:32:09,680 --> 00:32:12,160 Speaker 1: I was like, I will catch that train. That is 679 00:32:12,200 --> 00:32:14,720 Speaker 1: not an option. But in my head it was good 680 00:32:14,880 --> 00:32:17,040 Speaker 1: and I think it only cost me about forty five dollars, 681 00:32:17,360 --> 00:32:19,000 Speaker 1: So that's a bit of a money win. I think 682 00:32:19,080 --> 00:32:21,320 Speaker 1: it lasts for a fair while as well, so it's 683 00:32:21,560 --> 00:32:23,800 Speaker 1: like you need to get one every time. Yeah, yeah, 684 00:32:23,800 --> 00:32:26,640 Speaker 1: so that's pretty good. And technically it's also a requirement 685 00:32:26,720 --> 00:32:29,680 Speaker 1: for renting cars in lots of other countries. But I know, 686 00:32:29,960 --> 00:32:32,160 Speaker 1: and this is why I've like disclaimed it. I know 687 00:32:32,240 --> 00:32:34,160 Speaker 1: people are probably going to rent you the car anyway 688 00:32:34,280 --> 00:32:37,320 Speaker 1: because they want the sale. So it's about actually protecting you, 689 00:32:37,400 --> 00:32:40,080 Speaker 1: not necessarily looking at what that car rental company will 690 00:32:40,120 --> 00:32:42,680 Speaker 1: accept or not. It's actually about are you safe. That's 691 00:32:42,720 --> 00:32:43,800 Speaker 1: the actual answer for me. 692 00:32:44,360 --> 00:32:47,239 Speaker 4: There's also something about age in that. I remember when 693 00:32:47,280 --> 00:32:49,800 Speaker 4: I was in Italy with my mates and I was 694 00:32:49,880 --> 00:32:52,320 Speaker 4: twenty four but my mate was twenty five. It was 695 00:32:52,720 --> 00:32:55,360 Speaker 4: much more affordable insurance wise for her to be driving 696 00:32:55,360 --> 00:32:55,680 Speaker 4: the car. 697 00:32:55,880 --> 00:32:58,000 Speaker 1: Yeah, yeah, yeah, I think it's because you were really 698 00:32:58,160 --> 00:33:00,840 Speaker 1: young and irresponsible. Actually, just saw your name come up 699 00:33:00,880 --> 00:33:04,040 Speaker 1: and nearly drop her. Not heard about her, no, sir, 700 00:33:04,200 --> 00:33:06,640 Speaker 1: no sir. But yeah, over twenty five. I think it's 701 00:33:07,000 --> 00:33:09,600 Speaker 1: over twenty five or over twenty six, because the same 702 00:33:09,640 --> 00:33:11,920 Speaker 1: thing happens in Australia. Like once you're off your pea 703 00:33:12,000 --> 00:33:14,600 Speaker 1: plates and you have a full driver's license and you're 704 00:33:14,640 --> 00:33:17,680 Speaker 1: over the age of twenty five, you're much better when 705 00:33:17,720 --> 00:33:20,440 Speaker 1: it comes to like driving. Apparently you're safer. It's the 706 00:33:20,480 --> 00:33:23,360 Speaker 1: reason why I could tell my sister she couldn't drive 707 00:33:23,400 --> 00:33:25,400 Speaker 1: my car until she was over the age of twenty five. 708 00:33:25,840 --> 00:33:27,920 Speaker 1: Now she is. I'm a bit disappointed. 709 00:33:27,400 --> 00:33:29,080 Speaker 4: Because I've got no can't use that anymore. 710 00:33:29,080 --> 00:33:30,600 Speaker 1: I can't use that anymore, brilliant. 711 00:33:30,680 --> 00:33:33,160 Speaker 4: Before we wrap for the day, VD, do you have 712 00:33:33,200 --> 00:33:36,600 Speaker 4: any last tips you want to lay on the ladies. 713 00:33:37,400 --> 00:33:39,600 Speaker 1: So the one thing that I think people are going 714 00:33:39,640 --> 00:33:42,120 Speaker 1: to think I'm a loser for, but you know what 715 00:33:42,160 --> 00:33:43,920 Speaker 1: you want to do. You want to travel with your 716 00:33:43,960 --> 00:33:46,240 Speaker 1: loser friend because they're the one keeping you in track. 717 00:33:46,360 --> 00:33:48,480 Speaker 1: They're the one with the spreadsheet that I will share 718 00:33:48,520 --> 00:33:50,760 Speaker 1: on my website at some point soon, so you can 719 00:33:50,760 --> 00:33:53,600 Speaker 1: download and use it. But create a little drop box 720 00:33:53,880 --> 00:33:56,760 Speaker 1: and put a copy of your driver's license, your passport, 721 00:33:56,880 --> 00:33:59,880 Speaker 1: your driver's permit, or your credit cards or your travel 722 00:34:00,560 --> 00:34:03,280 Speaker 1: pop it in there. I know it doesn't sound the safest, 723 00:34:03,400 --> 00:34:05,360 Speaker 1: so probably spread them out so that they're not just 724 00:34:05,520 --> 00:34:09,320 Speaker 1: in one location. For a robber. I often email myself 725 00:34:09,360 --> 00:34:12,279 Speaker 1: those documents so that I know they're sitting in my emails. 726 00:34:12,600 --> 00:34:15,239 Speaker 1: But that means if anything goes missing, you actually have 727 00:34:15,280 --> 00:34:18,240 Speaker 1: a copy of it on hand. And too many times 728 00:34:18,239 --> 00:34:21,960 Speaker 1: with pickpockets and stuff like that overseas, like it's not 729 00:34:22,040 --> 00:34:24,120 Speaker 1: just going to be you forgetting it, it might literally 730 00:34:24,200 --> 00:34:26,160 Speaker 1: just get stolen from you while you're on the metro. 731 00:34:26,480 --> 00:34:28,360 Speaker 1: So I think having a copy of that is going 732 00:34:28,440 --> 00:34:30,799 Speaker 1: to mean everything's so much easier. Like if you need 733 00:34:30,840 --> 00:34:32,560 Speaker 1: to cancel a credit card, you can just call up 734 00:34:32,560 --> 00:34:34,440 Speaker 1: and cancel it. If you need to get a new passport, 735 00:34:34,480 --> 00:34:35,799 Speaker 1: you can just go to the embassy and be like, 736 00:34:35,880 --> 00:34:38,080 Speaker 1: this is a copy of my passport. Can you please 737 00:34:38,080 --> 00:34:40,799 Speaker 1: help me organize this? It makes their job easier, your 738 00:34:40,880 --> 00:34:45,279 Speaker 1: job easier. And also, George, when I am traveling, I 739 00:34:45,320 --> 00:34:48,359 Speaker 1: actually put my passport in the safe and I made 740 00:34:48,400 --> 00:34:50,239 Speaker 1: some nice purchases and they were like, do you want 741 00:34:50,280 --> 00:34:51,680 Speaker 1: the tax back on that? And I was like yes, 742 00:34:51,680 --> 00:34:53,080 Speaker 1: and they were like, we need your passport and I 743 00:34:53,120 --> 00:34:54,960 Speaker 1: was like, oh, it's in the safe and I was like, wait, 744 00:34:55,000 --> 00:34:57,120 Speaker 1: I've got it on job box. Who So that was 745 00:34:57,120 --> 00:34:59,640 Speaker 1: really helpful. I didn't actually have to carry my passport 746 00:34:59,640 --> 00:35:02,040 Speaker 1: around go shopping day, which makes me feel a little 747 00:35:02,040 --> 00:35:05,279 Speaker 1: bit Then those are my hot tips. That's all I've got. 748 00:35:05,360 --> 00:35:07,960 Speaker 1: If you think that's all our travel content done forever, 749 00:35:08,080 --> 00:35:10,520 Speaker 1: you're wrong, because I'm going to stretch this Europe trip out. 750 00:35:10,280 --> 00:35:13,600 Speaker 4: As much as possible. Brilliant, Thanks b. I feel like 751 00:35:13,640 --> 00:35:15,640 Speaker 4: moral of the story is we need to make sure 752 00:35:15,680 --> 00:35:19,280 Speaker 4: we have comprehensive insurance and that we're covered for repatriation 753 00:35:19,960 --> 00:35:22,040 Speaker 4: and medical evacuation. Yes. 754 00:35:22,200 --> 00:35:24,840 Speaker 1: Absolutely, It sounds like I'm being a really dramatic nanner, 755 00:35:25,000 --> 00:35:27,319 Speaker 1: but like I promise you, those are the things that 756 00:35:27,920 --> 00:35:29,799 Speaker 1: your friends and family are going to thank you for 757 00:35:30,200 --> 00:35:31,280 Speaker 1: if something does happen. 758 00:35:31,360 --> 00:35:34,120 Speaker 4: Yeah, for sure. All right, let's leave it. They're boring 759 00:35:34,160 --> 00:35:36,640 Speaker 4: but important stuff. Let's get into it. The advice shed 760 00:35:36,719 --> 00:35:38,799 Speaker 4: on She's on the Money is general in nature and 761 00:35:38,840 --> 00:35:42,280 Speaker 4: does not considerut your individual circumstances. She's on the money 762 00:35:42,360 --> 00:35:45,760 Speaker 4: exists purely for educational purposes and should not be relied 763 00:35:45,800 --> 00:35:48,680 Speaker 4: upon to make an investment or a financial decision. And 764 00:35:48,719 --> 00:35:51,319 Speaker 4: we promise Victoria divine and She's on the Money are 765 00:35:51,360 --> 00:35:56,120 Speaker 4: authorized representatives of Infocused Securities Australia Proprietary Limited ABN four 766 00:35:56,160 --> 00:35:58,319 Speaker 4: seven zer A nine seven seven nine seven zero four 767 00:35:58,400 --> 00:36:00,760 Speaker 4: nine AS two three six five two. 768 00:36:00,640 --> 00:36:03,200 Speaker 1: Three, and as always, we would love it if you 769 00:36:03,320 --> 00:36:06,360 Speaker 1: joined our Facebook group, where our community shares money tips, 770 00:36:06,440 --> 00:36:10,160 Speaker 1: travel tricks every single day, free of judgment. So she's 771 00:36:10,200 --> 00:36:12,640 Speaker 1: on the money on Facebook and join us if Facebook's 772 00:36:12,680 --> 00:36:14,960 Speaker 1: not your thing. We're also on Instagram and we're really 773 00:36:15,000 --> 00:36:18,000 Speaker 1: bad at TikTok, where she's on the money a us. Also, 774 00:36:18,080 --> 00:36:20,520 Speaker 1: don't forget to rate, review, subscribe to us to make 775 00:36:20,520 --> 00:36:22,120 Speaker 1: sure that we still feel the love. 776 00:36:22,280 --> 00:36:25,200 Speaker 4: That would be so nice, it'd be so nice, so nice, 777 00:36:25,840 --> 00:36:26,839 Speaker 4: it would be so nice. 778 00:36:26,880 --> 00:36:28,000 Speaker 1: All right, see your Friday, guys. 779 00:36:28,000 --> 00:36:28,719 Speaker 4: Bye guys. See then,