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Talking Travel Insurance · She's On The Money

0:00
Speaker 1: Hello.
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Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
0:05
Speaker 2: Order Kernie Whoalbury and a waddery woman. And before we
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Speaker 2: get started on She's on the Money podcast, I would
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Speaker 2: like to acknowledge the traditional custodians of the land of
0:14
Speaker 2: which this podcast is recorded on a wondery country, acknowledging
0:18
Speaker 2: the elders, the ancestors and the next generation coming through
0:23
Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
0:27
Speaker 2: the storytelling of you to make a difference for today
0:31
Speaker 2: and lasting impact for tomorrow.
0:33
Speaker 1: Let's get into it.
0:34
Speaker 3: She's on the Money. She's on the Money.
0:57
Speaker 4: Hello, and welcome to She's on the the podcast for
1:01
Speaker 4: millennials who want financial freedom. My name is Georgia King
1:04
Speaker 4: and joining me as always is the Lovely Victoria Divine V.
1:09
Speaker 4: How are we.
1:09
Speaker 1: I'm well, I'm always still jarred when you say, oh,
1:13
Speaker 1: the Lovely Victoria Devine, I'm like, well, that's showbiz because
1:16
Speaker 1: before you were like, oh, get better, V. And I
1:18
Speaker 1: was like, oh, I'm not sick, and you were like, no,
1:19
Speaker 1: you just need to get better. Like I feel like
1:21
Speaker 1: there's this offline bullying versus online Likene so lovely, like,
1:26
Speaker 1: don't lie, George, don't like it.
1:28
Speaker 4: It's all eyes, guys. Let's get into it with travel
1:31
Speaker 4: back on the cards. We want to unpack something today that,
1:34
Speaker 4: in your opinion, v is even more important than remembering
1:37
Speaker 4: to pack your toothbrush or your undies.
1:39
Speaker 1: Because you can buy those things when you get there.
1:41
Speaker 4: Well, that's exactly right, exactly we are talking, of course,
1:44
Speaker 4: about travel insurance. It might sound a little dry, we'll
1:47
Speaker 4: admit it, but we were amazed by how many people
1:49
Speaker 4: messaged us through with questions after we spoke about insurance
1:53
Speaker 4: over on the sotom Instagram page when you were preparing for.
1:56
Speaker 1: Your trip, So many personal dms from people being like, oh,
2:00
Speaker 1: what one did you go with? How did it work?
2:02
Speaker 1: What does this mean? And girl, I didn't just do
2:05
Speaker 1: my research. I saved all the PDS's and then control
2:09
Speaker 1: FT and like looked through all of them to make
2:11
Speaker 1: sure that every single one had a policy. And I
2:14
Speaker 1: made a spreadsheet because that's the best way to track anything,
2:17
Speaker 1: and that's how I picked my policy. And the She's
2:20
Speaker 1: on the Money team are already reaping the benefits.
2:23
Speaker 4: And hopefully today you will too, sweet listener, So today
2:27
Speaker 4: we will be answering a number of the questions that
2:29
Speaker 4: popped up from you guys, including how you can access
2:32
Speaker 4: what do you actually need when you're heading away, what's
2:34
Speaker 4: just a waste of money a bit of a rip off,
2:36
Speaker 4: and what is just downright I'm helpful.
2:38
Speaker 1: There's a lot of things in insurance that you think
2:40
Speaker 1: would be important that actually aren't. Georgia King, what do
2:42
Speaker 1: you think the most important thing is when it comes
2:44
Speaker 1: to travel insurance?
2:45
Speaker 4: Ooh, a top of my head, I would say, you
2:49
Speaker 4: know things that you can break or easily lose. I'm
2:52
Speaker 4: thinking your bag, your phone, your laptop. We've all dropped
2:55
Speaker 4: phones when abroad and then they haven't worked.
2:58
Speaker 1: Alex Devine start your friend. We were standing in an
3:02
Speaker 1: airport in Nice and she dropped her Apple Watch and
3:06
Speaker 1: the fate. Yeah, she's obsessed with it, like she cannot
3:10
Speaker 1: take one step without that Apple Watch. But once you've
3:12
Speaker 1: got a track over, the entire face of the Apple
3:15
Speaker 1: Watch shattered, and I think I saw her soul leave
3:19
Speaker 1: her body. And then she was in a really bad
3:22
Speaker 1: mood for the rest of the day. So I just
3:23
Speaker 1: avoided her. It was a good sister. I was just
3:25
Speaker 1: like subtly bullying her about it. But yeah, she had
3:29
Speaker 1: no watch for the rest of the trip.
3:30
Speaker 4: How did she know what the time was?
3:32
Speaker 1: How did she know how many steps she'd taken? How
3:34
Speaker 1: did she knows been closed? But that's actually not the
3:38
Speaker 1: most important thing when it comes to travel insurance. I
3:41
Speaker 1: feel like we all get super caught up on the extras,
3:44
Speaker 1: especially because they're the shiny things that get put on
3:47
Speaker 1: the marketing material on the websites. Right they're like, oh
3:49
Speaker 1: my god, up to ten thousand dollars worth of luggage
3:52
Speaker 1: cover and you're like, oh, that's great, no problems. But
3:54
Speaker 1: at the end of the day, if you lose your laptop,
3:57
Speaker 1: real unfortunate money loss, but you can replace. What if
4:00
Speaker 1: you broke your leg in the middle of Thailand and
4:04
Speaker 1: you literally needed surgery. What's she going to do, George,
4:09
Speaker 1: Oh god, I've trade my laptop for the flight that
4:12
Speaker 1: you need to take back to Australia to get that done,
4:14
Speaker 1: because you can't just jump on a plane and come home.
4:17
Speaker 1: There's so many different levels of thought that need to
4:20
Speaker 1: go into this when it comes to insurance. And we've
4:24
Speaker 1: had money dirists before, Like remember the money dirist where
4:27
Speaker 1: her husband was in Bali and had a scooter accident
4:30
Speaker 1: and had to be medivacked back to Australia for surgery,
4:33
Speaker 1: and it's now put them in a position where they're
4:35
Speaker 1: in more than one hundred thousand dollars worth of debt
4:37
Speaker 1: because of this. That, my friend, is why we have
4:40
Speaker 1: travel insurance. It's not because we are like, oh my god,
4:44
Speaker 1: we might lose our laptop while we're away, Like, yes,
4:46
Speaker 1: those things are important to ensure if you absolutely cannot
4:50
Speaker 1: afford to lose them. And I'd argue, if there's something
4:52
Speaker 1: you can't afford to lose, please don't take it. But
4:55
Speaker 1: the only insurance we should ever get, and this is
4:58
Speaker 1: probably financial advice by I think I'll get away with
5:01
Speaker 1: it is comprehensive, Like please don't just get third party.
5:04
Speaker 1: You need to protect yourself as much as everybody else.
5:08
Speaker 1: If you're getting anything less than that, I do genuinely
5:11
Speaker 1: think it's a bit of a waste of money, Like
5:12
Speaker 1: I don't care if you damage someone's property. I get it,
5:15
Speaker 1: like there's obviously going to be a financial implication, But
5:18
Speaker 1: it blows my mind that people don't protect themselves, like
5:22
Speaker 1: you're so willing gee to put yourself in a position
5:25
Speaker 1: where you're like, oh, my three thousand dollar laptop need
5:27
Speaker 1: to ensure it. And I go, yeah, great, good idea, Georgia.
5:29
Speaker 1: What if you come home and you can't work ever again?
5:32
Speaker 4: Dear God?
5:33
Speaker 1: But like, why aren't we ensuring our own person our
5:35
Speaker 1: own ability to generate income, our own ability to be
5:39
Speaker 1: self sufficient, Like if something really bad happens. I know
5:41
Speaker 1: this is really dramatic, And this is why I'm so
5:43
Speaker 1: passionate about insurance, Like you're done, Like we need so
5:48
Speaker 1: many things in place to make sure that you're okay,
5:50
Speaker 1: and travel insurance is one of those things that I
5:52
Speaker 1: do think you should be spending the money on. And
5:54
Speaker 1: I've had a conversation with a few people in my
5:56
Speaker 1: DMS recently where like, oh my god, yeah, I'm going away.
5:59
Speaker 1: I looked at travel insurance and it's too expensive. I'm like, well, ah,
6:02
Speaker 1: I feel like this is such an entitled position to
6:04
Speaker 1: be in, but like, if you can't afford insurance, probably
6:07
Speaker 1: don't go. Yes, it's like a forge. And don't get
6:11
Speaker 1: me wrong, insurance is now a little bit more expensive
6:13
Speaker 1: than it used to be because of COVID and because
6:15
Speaker 1: of everything else going on in the world. I get it,
6:18
Speaker 1: but that's an investment. It's not just about the cheap flights.
6:20
Speaker 1: It's like, all right, well what is this actually going
6:22
Speaker 1: to cost me to go on my trip to Bali?
6:24
Speaker 4: Right? Okay, so super interesting there because I feel like
6:28
Speaker 4: for me, I definitely, as I said, I'll just be
6:30
Speaker 4: like my lappie that'll probably get smashed, probably get that covered.
6:33
Speaker 4: But I would never be like, well I could die.
6:35
Speaker 1: And it's not because travel is so much more risky, right,
6:38
Speaker 1: it's because you don't have the private health or even
6:41
Speaker 1: the health system that we have in Australia covering you. Yeah.
6:44
Speaker 4: So with this speed, just before we get into the
6:47
Speaker 4: thick of things, would you say travel insurance is necessary
6:50
Speaker 4: for like an eight hour trip to mil Dura, No,
6:54
Speaker 4: going to Europe or something like that, Like, how do
6:56
Speaker 4: you know what's necessary?
6:57
Speaker 2: No?
6:57
Speaker 1: No, So I would be considering travel insurance if you're
6:59
Speaker 1: planning on leaving the country, which means you're leaving our
7:01
Speaker 1: medical system. I wouldn't be considering it if you're going
7:05
Speaker 1: to meal Dura for the weekend or you're off to
7:07
Speaker 1: a Chuka for a girl's weekend. Like it's just not
7:09
Speaker 1: what it is for, Like travel insurance is to cover
7:12
Speaker 1: you while you are out of our country and don't
7:15
Speaker 1: have access to Medicare or the health insurance that you
7:18
Speaker 1: actually have on your person at the moment. Right, So
7:21
Speaker 1: it's all about making sure that you're okay while you're
7:24
Speaker 1: out of Australia's hands.
7:25
Speaker 4: Perfect, Yeah, that makes sense. Okay. Just before VU said
7:29
Speaker 4: that the only insurance we should get is comprehensive insurance.
7:32
Speaker 1: Entitled opinion, I totally understand that. But we are putting
7:36
Speaker 1: you in the best possible position when I say that, right, Like,
7:39
Speaker 1: my job is to make sure you are okay, because
7:41
Speaker 1: I'd love to think I'm like your finance mum. Yeah,
7:43
Speaker 1: big sister, big sister, Yeah, big sister. That makes me
7:46
Speaker 1: feel younger. Yeah, but like I'm your finance big sister.
7:48
Speaker 1: I want the best for you. So that's the advice
7:50
Speaker 1: I have.
7:51
Speaker 4: Right, So what actually is to your head? But what Yeah,
7:54
Speaker 4: so tell me what it is? Yeah, okay.
7:56
Speaker 1: So comprehensive travel insurance is the highest level of cover
7:59
Speaker 1: you can get. Obviously there's a lot of When you
8:02
Speaker 1: go to a travel insurance website and you start doing
8:04
Speaker 1: your comparisons, they'll be like, here's the entry level, here's
8:07
Speaker 1: this and this you don't need like the Kreme de
8:09
Speaker 1: la Creme like covers fifty million dollars worth of xys it.
8:13
Speaker 1: What you need is to make sure that you and
8:15
Speaker 1: your third party is covered. And it means that it's
8:18
Speaker 1: not just covering you having an accident and the costs
8:22
Speaker 1: that are incurred by the other person. So each company
8:25
Speaker 1: has lots of different nuances. So what you are looking
8:27
Speaker 1: for is twenty four to seven medical cover So injury
8:30
Speaker 1: or illness including hospital, states, surgery, dental is a really
8:34
Speaker 1: important one to make sure it's there because what if
8:36
Speaker 1: you come head first off a scooter g your relief
8:39
Speaker 1: are going to need that service, prescription drugs, which can
8:43
Speaker 1: be incredibly expensive overseas, and doctor's visits. The other thing
8:47
Speaker 1: that I think is really important is medical evacuation and repatriation.
8:51
Speaker 1: So you might go, what the hell, Victoria, like, what
8:53
Speaker 1: are you talking about? That is not what I was
8:55
Speaker 1: thinking when I thought travel insurance. But that is to
8:58
Speaker 1: get you home something really bad happens to you, and
9:01
Speaker 1: like we all knock on woard, we don't want that
9:02
Speaker 1: to ever happen. But if something happens, I can get
9:05
Speaker 1: you home, and that to me is the most important thing,
9:09
Speaker 1: because I have heard and I guess this is the
9:11
Speaker 1: beauty of being in She's on the money and you know,
9:14
Speaker 1: running a community of financial advisors where you know, if
9:18
Speaker 1: people are in a pickle, they do tend to come
9:20
Speaker 1: to me and go, V what would you do? How
9:22
Speaker 1: would you do this? I've seen it so many times.
9:24
Speaker 1: They're like, my brother, my cousin, my sister, my aunt
9:26
Speaker 1: is stuck overseas because they had this thing happen to
9:29
Speaker 1: them and now they can't fly home, or they have
9:32
Speaker 1: to stay overseas for eight weeks because they can't get
9:34
Speaker 1: on an actual commercial flight. They would need a medical
9:38
Speaker 1: evac to get them home and that can't happen because
9:40
Speaker 1: it's one hundred thousand dollars. So I think that if
9:43
Speaker 1: something happens to you, getting home from my perspective, is
9:46
Speaker 1: one of the biggest priorities, and that's really expensive. The
9:50
Speaker 1: next is personal liability, so if something happens, you're insruan
9:53
Speaker 1: for that. Cancelation cover is really important, but maybe not
9:57
Speaker 1: the most important thing for me. When I was looking
10:00
Speaker 1: at travel insurance recently because as you know, ge Jess
10:02
Speaker 1: and I just got back from Europe, cancelation cover for
10:07
Speaker 1: me was important because we had so many connecting flights
10:10
Speaker 1: and if a middle flight got canceled, like, what are
10:13
Speaker 1: we doing to do? Just missed the next one? I
10:15
Speaker 1: wanted cover for that. But I also wanted to make
10:17
Speaker 1: sure we had COVID cover, yeah, which most travel insurance
10:21
Speaker 1: policies are absolutely excluding at the moment because it's too hard.
10:25
Speaker 1: I found one, so we've got that. But we can
10:28
Speaker 1: then be covered for family emergencies. So something happens and
10:31
Speaker 1: you absolutely need to go home. Great, covered for that.
10:34
Speaker 1: But then it's also about things like the bells and whistles,
10:37
Speaker 1: which I would say are the things that are not
10:40
Speaker 1: necessary but really nice to have, like lost or damage
10:43
Speaker 1: luggage cover. Great, really important to be covered for that.
10:46
Speaker 1: But my priority is making sure your body is okay Georgia.
10:49
Speaker 1: And then alternative transport costs, which I think is kind
10:52
Speaker 1: of important as well, because we just want to make
10:55
Speaker 1: sure that we're not stung with thousands of dollars of
10:58
Speaker 1: costs while we're overseas.
11:00
Speaker 4: Really, you mentioned their V I feel like your main
11:03
Speaker 4: point was that medical evacuation and repatriation is the most
11:07
Speaker 4: important thing. So let's get into the nitty gritty now,
11:10
Speaker 4: because there are so many things when you're fit and
11:13
Speaker 4: healthy that you just don't think about. We really do
11:15
Speaker 4: take our health for granted.
11:17
Speaker 1: And I feel like as an Australian, we really take
11:19
Speaker 1: our health for granted. Further, like, did you know we
11:22
Speaker 1: are the most underinsured country in the world because like
11:25
Speaker 1: we're just Aussies. We just trust it be right? Should
11:28
Speaker 1: be right, mate, Like we literally have the lowest level
11:31
Speaker 1: of insurance across the entire world because of our trusting
11:34
Speaker 1: nature and our medical system is so good that we
11:37
Speaker 1: are like, oh, should be right. It doesn't matter, Like, yeah,
11:39
Speaker 1: you're right, don't have private health insurance, but like I'll
11:42
Speaker 1: just go to the hospital. Like it's one of those
11:43
Speaker 1: things that it blows my mind as a financial advisor
11:47
Speaker 1: that we are so underprepared. But it's a really nice
11:51
Speaker 1: reflection at the same time of how trusting we are.
11:53
Speaker 4: Yeah, crazy for sure. So on that note, what would
11:56
Speaker 4: you say are some of the most difficult and expensive
11:59
Speaker 4: things that we might up against when we're overseas that
12:01
Speaker 4: we would want insurance to cover us for.
12:03
Speaker 1: So, as I said before, emergency medical evacuation, to make
12:06
Speaker 1: sure you can either get from your current location to
12:09
Speaker 1: a suitable hospital or to get from your current location
12:12
Speaker 1: back home. Ambulance and emergency hospital stuff, so medical surgical
12:17
Speaker 1: hospital costs need to all be included overseas. It's really expensive.
12:21
Speaker 1: I mean it's different in every state and territory here
12:23
Speaker 1: in Australia, but ambulance cover in Australia is also really
12:27
Speaker 1: expensive if you don't have ambo cover, so definitely look
12:30
Speaker 1: into that. The next is the cost of your return
12:33
Speaker 1: to Australia if it's earlier than planned, and if this
12:36
Speaker 1: is medically necessary. So we say stuff like this and
12:40
Speaker 1: you go, yeah, but I could just pay for a flight,
12:41
Speaker 1: It's fine. I had a client who did their back,
12:45
Speaker 1: like broke their back, had gone to surgery, was in
12:47
Speaker 1: the UK. The doctor said, no problems, like all done, dusted.
12:51
Speaker 1: Thankfully they had travel insurance so all their surgery was covered.
12:54
Speaker 1: They got it fused, We're good to go. But the
12:57
Speaker 1: doctor then said, you cannot travel for six months and
13:01
Speaker 1: if you do, and when you do, you need to
13:03
Speaker 1: travel in business class because you need a lay flatbed.
13:06
Speaker 1: You cannot sit up in a chair for the entire
13:09
Speaker 1: duration of a flight. Have you saent how expensive business
13:12
Speaker 1: class flights are at the moment seventeen thousand dollars to
13:15
Speaker 1: get her home.
13:15
Speaker 4: Oh my god.
13:16
Speaker 1: And that's just out of pocket, that's not covered, that's
13:19
Speaker 1: not anything. So this is why we care. It's not
13:22
Speaker 1: because oh my gosh, Ve that'll never happen. Yeah, I
13:25
Speaker 1: hope it never happens. But for those of you who
13:28
Speaker 1: it does happen to, this is so important. Like I
13:31
Speaker 1: can't stress enough. I feel like it's the one thing
13:33
Speaker 1: that people like, oh did you sort out travel insurance?
13:36
Speaker 1: You go, oh, forgot, don't worry about it next trip, hah,
13:39
Speaker 1: Like it's not a haha situation. The next thing as well,
13:42
Speaker 1: g is to allow you to return to Australia and
13:45
Speaker 1: for someone to stay with you and travel home with
13:48
Speaker 1: you if you're not from Australia and you need help,
13:51
Speaker 1: and then emergency assistants so for example, keeping your friends
13:55
Speaker 1: and family back home updated obviously with your permission, telephone
13:59
Speaker 1: interpreting and translation, and if you're in hospital in a
14:02
Speaker 1: non English speaking country, this is way more important than
14:05
Speaker 1: you think it is. And then gee, what happens if
14:07
Speaker 1: you have kids, Like we need to return those kids
14:11
Speaker 1: back to Australia to be looked after. If something really
14:13
Speaker 1: serious has happened to you, and then also sourcing emergency
14:16
Speaker 1: prescription drugs like sometimes that is far harder than you
14:20
Speaker 1: think it is. And I know that I'm being really dramatic,
14:23
Speaker 1: but it happens, and it happens more often than we
14:26
Speaker 1: would like to think it does.
14:27
Speaker 4: Keeping on with the dramatic theme, b what happens if
14:31
Speaker 4: I'm overseas and I pass away?
14:33
Speaker 1: This happens. Yeah, this happens, and you will get home.
14:36
Speaker 1: That's okay, But it does happen, and it's really upsetting.
14:40
Speaker 1: But I guess such is life in a way, and
14:42
Speaker 1: that's why we have travel insurance to make sure we're okay.
14:46
Speaker 1: But if you do pass away while you are traveling overseas,
14:49
Speaker 1: travel insurance is going to make sure that you can
14:51
Speaker 1: either have your body or your ashes return to Australia.
14:53
Speaker 1: That could cost up to twenty thousand dollars for your
14:56
Speaker 1: family if you don't have that, or if your family
14:58
Speaker 1: decides to have a funeral or a burial in the
15:00
Speaker 1: country which you passed away, that will be covered as well.
15:03
Speaker 1: So I think it's interesting to think about a bit morbid,
15:06
Speaker 1: but it's a big part of travel insurance. It really is,
15:10
Speaker 1: because that could cost your family thousands.
15:13
Speaker 4: Yeah, and you don't want to lump that on them
15:14
Speaker 4: when they're already grieving your loss. All right, on that
15:17
Speaker 4: morbid note, VD, let's take a little break more.
15:21
Speaker 1: Let's best podcast. That's not She's on the money, I'm obsessed.
15:28
Speaker 1: Haven't checked that out? Do that in your break also
15:30
Speaker 1: come back to us. Course after this, we're going to
15:32
Speaker 1: talk more about travel insurance, COVID and all of those
15:34
Speaker 1: spicy things.
15:35
Speaker 4: What more could you want?
15:36
Speaker 1: Maybe their podcast better this time?
15:41
Speaker 4: All right, very straight back into it. We had a
15:43
Speaker 4: number of questions about COVID, which makes a lot of sense,
15:47
Speaker 4: and you said it before that not a lot of
15:50
Speaker 4: insurers do cover it.
15:51
Speaker 1: What's yeah, because it's so prevalent, right, and it kind
15:53
Speaker 1: of makes sense for them to go, all right, well,
15:55
Speaker 1: if you're going to travel, you know, COVID exists, you know,
15:59
Speaker 1: it's been around for a while. That's a risk that
16:01
Speaker 1: you have to wear, so it pays if you're planning
16:04
Speaker 1: on getting travel insurance and want to be covered for that.
16:07
Speaker 1: To take that into consideration, several insurers have literally now
16:11
Speaker 1: been like, either we're not doing travel insurance for the meantime,
16:14
Speaker 1: because it's too much risk on them, we are going
16:17
Speaker 1: to limit cover, so we're going to exclude anything related
16:20
Speaker 1: to COVID, or if they do have COVID included in
16:23
Speaker 1: their policy, there's a really strict guideline as how that
16:25
Speaker 1: can be used or abused. Essentially, so some policies only
16:29
Speaker 1: cover medical and repatriation costs if you get COVID overseas,
16:32
Speaker 1: while other policies actually provide limited cover for cancelation costs
16:36
Speaker 1: and medical costs and repatriation costs and stuff like that.
16:39
Speaker 1: So I think it's important to take this into consideration
16:42
Speaker 1: as to how important this is for you. Because having
16:45
Speaker 1: this conversation with Jess and you know, the girls before
16:48
Speaker 1: we went on our holiday, I was like, well, what
16:50
Speaker 1: happens if one of us get COVID? Obviously we have
16:53
Speaker 1: to isolate and do what that country needs us to do.
16:56
Speaker 1: How would that work? So we'd thought about it a lot,
16:59
Speaker 1: but it was real important for me on a expensive,
17:03
Speaker 1: let's be honest Europe trip with a group of girls,
17:07
Speaker 1: to be covered so that we weren't completely out if
17:09
Speaker 1: one of us did. I mean, we're crazy. So we
17:12
Speaker 1: traveled with like a box of fifty rapid tests because
17:15
Speaker 1: we were like, we aren't going to take any risks.
17:18
Speaker 1: Jess coughed one day and I was like, rappit, get
17:20
Speaker 1: it go, and like we were all just testing to
17:23
Speaker 1: make sure that we were okay. I think we're also
17:25
Speaker 1: really over the top with it because we're traveling with
17:27
Speaker 1: someone who was pregnant, so I was like, there is
17:30
Speaker 1: no chance I'm going to even be party to giving
17:33
Speaker 1: a baby COVID, Like not a chance. But it's really
17:36
Speaker 1: important to understand that there will be costs if you
17:39
Speaker 1: get COVID overseas, and they could be big, they could
17:41
Speaker 1: be small. It could be you know, having to extend
17:43
Speaker 1: your accommodation so that you can stay in the one
17:46
Speaker 1: place and isolate. Could be Uber Eats deliveries because you
17:49
Speaker 1: can't just like cook in a hotel room, right like
17:52
Speaker 1: where are you going to get food? Are you going
17:53
Speaker 1: to get Uber Eats or are you going to get
17:54
Speaker 1: room service? Or how is this going to work? It
17:57
Speaker 1: could be cancelation, so like loss of you know that
18:00
Speaker 1: boat to where you are going to go on that
18:01
Speaker 1: you now can't go on. So there's a lot to it,
18:04
Speaker 1: but it's worth considering if it's important to you or not.
18:07
Speaker 4: Are there cooling off periods for COVID cancelation cover?
18:11
Speaker 1: Yes, and it is best to buy your travel insurance
18:14
Speaker 1: at the same time as you book your trip. So
18:15
Speaker 1: some insurers only cover cancelation if you test positive to
18:18
Speaker 1: COVID and their policy was purchased twenty one days before
18:21
Speaker 1: your scheduled departure date, which you go, oh, my gosh,
18:23
Speaker 1: wouldn't everyone do that? No, Georgia King, because Jess and
18:27
Speaker 1: I and the girls, we decided to go on our
18:29
Speaker 1: holiday with less than twenty one days to books, so
18:31
Speaker 1: like we were covered by that. Thankfully we didn't get COVID.
18:34
Speaker 4: May wait, goodness, do cancelation policies usually cover extra expenses
18:39
Speaker 4: for like quarantine costs?
18:41
Speaker 1: Yes, yes they do, but there are a fair few
18:44
Speaker 1: exclusions and limits to look out for in your policy,
18:46
Speaker 1: and not all policies are created equally, so you do
18:49
Speaker 1: need to have a look, especially when it comes to
18:50
Speaker 1: COVID cover. Not all cancelation policies cover cancelation or extra
18:55
Speaker 1: expenses for quarantine if you're deemed a close contact overseas,
18:59
Speaker 1: which I thought it was really important. I was like, well,
19:01
Speaker 1: what if one of the girls get COVID that's going
19:03
Speaker 1: to impact the rest of the trip, like, how does
19:05
Speaker 1: this work? And many policies cover the cancelation and extra
19:09
Speaker 1: expenses to as little as twenty five hundred dollars combined.
19:12
Speaker 1: So in my situation, combined was the active word there.
19:17
Speaker 1: That wouldn't have worked for us. So we were like, well,
19:19
Speaker 1: twenty five hundred dollars across five girls for needing to
19:23
Speaker 1: be in quarantine for a week. That's going to do
19:25
Speaker 1: basically nothing. And then travel insurance policies are very unlikely
19:29
Speaker 1: to cover cancelation if you're unable to travel due to
19:31
Speaker 1: general traveler restrictions, so stuff like lockdown at home or
19:35
Speaker 1: at your planned destination. So it's literally only if you
19:38
Speaker 1: have it, if that makes sense, because you shouldn't be
19:40
Speaker 1: booking a holiday if you're in lockdown. Yeah, yeah, for sure,
19:43
Speaker 1: I feel like that's very sad holiday.
19:45
Speaker 4: Just a little PSA from me as well. It's really
19:47
Speaker 4: important to remember that even though the ban on international
19:50
Speaker 4: travel for vaxed Australians has been lifted, transit and destination
19:55
Speaker 4: countries still may apply restrictions on your entries, such as
19:58
Speaker 4: quarantine on entry.
20:00
Speaker 1: Yeah, it was really interesting, obviously, we will make sure
20:02
Speaker 1: that those are linked in our show notes. But your
20:05
Speaker 1: vaccination status does impact or can impact your travel insurance
20:10
Speaker 1: cover which is important to note because you know, if
20:12
Speaker 1: you've chosen not to be vaccinated, that's you know, something
20:16
Speaker 1: you would need to take into consideration. But also traveling
20:20
Speaker 1: around the different countries was really interesting as well, because
20:23
Speaker 1: you need to get your international COVID certificate, so we
20:27
Speaker 1: had to download that and I had that on my
20:29
Speaker 1: phone and I had a PDF version of that. People
20:31
Speaker 1: did check it, but there were also different rules and regulations.
20:34
Speaker 1: So for example, George, we went from London to France
20:38
Speaker 1: and we had to have had a second booster within
20:41
Speaker 1: three months, and if it was more than three months,
20:42
Speaker 1: we had to have a full PCR test beforehand. So
20:45
Speaker 1: there was actually a lot of logistics that went into
20:49
Speaker 1: changing country and traveling because some of us had had
20:52
Speaker 1: our booster and one of us was triple vax, but
20:54
Speaker 1: it had happened like four months ago, so therefore we
20:57
Speaker 1: needed to organize a PCR and that's actually quite an
21:00
Speaker 1: expensive process when you're in the middle of London and
21:03
Speaker 1: you need it in four hours, So it's worth considering
21:06
Speaker 1: and making sure you're there, but then also the plane,
21:09
Speaker 1: I can't remember if they checked. I don't think they checked,
21:11
Speaker 1: but they definitely made sure that everybody on the plane
21:14
Speaker 1: was you know, hand sanitizing and wearing their masks for
21:16
Speaker 1: the entire time. But once you were there, you definitely
21:19
Speaker 1: didn't feel it. So it sounds very dramatic, and I
21:21
Speaker 1: know that, you know, it's actually really important. I know
21:24
Speaker 1: the entire ses on the Money team is vaxed and
21:26
Speaker 1: very pro vaxed, so we're not having this conversation, but
21:29
Speaker 1: I think it's important to understand what those hurdles were.
21:32
Speaker 1: Even for us as fully triple vaxed people trying to
21:35
Speaker 1: get into another country, it was, you know, a fair
21:38
Speaker 1: few hurdles to get over and prove and they were
21:41
Speaker 1: scanning our vaxed certificates and checking them and doing temperatures
21:44
Speaker 1: at the airport. So I think it's to be honest,
21:48
Speaker 1: I'm really glad they're taking it seriously because it's for
21:50
Speaker 1: our safety.
21:51
Speaker 4: Yeah, one hundred percent. It can be quite overwhelming as well.
21:54
Speaker 4: So we're going to link Smart Traveler into our show notes,
21:57
Speaker 4: which kind of it tells you where I think one
21:59
Speaker 4: hundred seventy seven countries. It tells you what you need
22:03
Speaker 4: to do to get into them, so that makes it
22:04
Speaker 4: much and.
22:05
Speaker 1: Travel tip right, check Smart Traveler before you literally cook
22:08
Speaker 1: anything anywhere, like it is the go to website, Like
22:12
Speaker 1: this is not sponsored, it's just good practice, Like check
22:15
Speaker 1: that before you even check flight prices, because they'll tell
22:18
Speaker 1: you whether you can or can't travel, or if there's
22:20
Speaker 1: any safety warnings, or there's a tsunami that's happened that
22:23
Speaker 1: you haven't been provy to, like it's so important.
22:26
Speaker 4: So COVID has definitely thrown spanner, a spanner, couple of spanners,
22:30
Speaker 4: big spanners into the work speed. What are your top
22:33
Speaker 4: tips for figuring out what we.
22:34
Speaker 1: Need when it comes to travelingsurance, Like when it comes
22:36
Speaker 1: to you looking after yourself for COVID, because I've had COVID,
22:39
Speaker 1: can you give you some hot tip green Coottie's Cordial,
22:41
Speaker 1: Green Cotty's Cordial ten out of ten if you know
22:43
Speaker 1: you know the sparkling version, Chef's kiss. But the one
22:48
Speaker 1: thing I would do is do your research. So the
22:51
Speaker 1: first thing I would do is again head to Smart Traveler.
22:53
Speaker 1: Have a look. What is the Smart Traveler advice level
22:56
Speaker 1: for the countries that you are traveling to and can
22:59
Speaker 1: we make sure that your travel insurance policy covers you
23:02
Speaker 1: for those things? If not, you're going to have a
23:05
Speaker 1: very clear gap.
23:06
Speaker 4: Right.
23:06
Speaker 1: So I remember traveling way back when Tabali, like it
23:10
Speaker 1: was around the time that there was a tsunami. It
23:12
Speaker 1: happened a couple of years ago, and they said, in
23:15
Speaker 1: my travel insurance policy, we won't cover you if this
23:19
Speaker 1: happens because it's essentially a global event and it was
23:21
Speaker 1: way too big for the travel insurance company to cover.
23:24
Speaker 1: And I was like, oh, interesting, but that will really
23:26
Speaker 1: quickly show you the gaps of whether it's worth the
23:30
Speaker 1: risk or not worth the risk, and it will let
23:32
Speaker 1: you know whether it's a good idea to travel there
23:34
Speaker 1: or not. So g on, smart traveler. If your destination
23:37
Speaker 1: that you're going to is an advice level three, it
23:39
Speaker 1: will mean that you need to reconsider travel. And not
23:42
Speaker 1: all travel insurers are going to cover that because they're like,
23:45
Speaker 1: don't be dumb and go to a travel destination that's
23:48
Speaker 1: going to put you at significant risk. I can get
23:51
Speaker 1: behind that policy kind of makes sense absolutely, But then
23:54
Speaker 1: also does your destination require proof that you're insured for
23:58
Speaker 1: COVID nineteen medical related spencers so interestingly, if you wanted
24:03
Speaker 1: to go to Singapore, you actually have to make sure
24:05
Speaker 1: that you have COVID nineteen travel insurance and a minimum
24:09
Speaker 1: coverage amount of thirty thousand Singapore dollars. Like would you
24:13
Speaker 1: have known that if you hadn't gone to a smart
24:15
Speaker 1: travel No. But then also you might have just gone,
24:17
Speaker 1: all right, I'm just going to get some cheap travel insurance.
24:19
Speaker 1: You would have got to their border and they would
24:21
Speaker 1: have been like, yeat home, my friend, because you were covered.
24:24
Speaker 1: The next is are you covered for the full duration
24:27
Speaker 1: of your trip? And can you extend your cover if
24:29
Speaker 1: you're overseas for longer than planned due to a canceled flight.
24:32
Speaker 1: So I don't know if this is travel hack or
24:34
Speaker 1: just me being anxious, but I always book my travel
24:39
Speaker 1: insurance to start the night before and end the night
24:41
Speaker 1: after I get back, because I just don't like the
24:45
Speaker 1: idea that, you know, if my flight was delayed and
24:47
Speaker 1: something happened and I was in an airport, like this
24:50
Speaker 1: is victory Divine's thought pattern, Like she's an anxious girl.
24:54
Speaker 4: But that helps you, right, yes, So, like.
24:56
Speaker 1: My anxiety is channeled into bettering the community. So if
25:00
Speaker 1: I got back at like For example, I can tell
25:02
Speaker 1: you exactly I was meant to get back on Saturday
25:05
Speaker 1: morning at like six am or something, so I actually
25:08
Speaker 1: made sure that six am on Sunday might cover finished
25:11
Speaker 1: because I was like, I just don't want there to
25:13
Speaker 1: be any wiggle room of me being in the wrong
25:15
Speaker 1: here if something did happen. So, yeah, that's anxiety, gal
25:19
Speaker 1: love it trying to help you out. And then also
25:22
Speaker 1: any stopovers on the way to your destination covered, Like
25:26
Speaker 1: if there's a restriction on the amount of time that
25:27
Speaker 1: you can be in a stopover location, that needs to
25:30
Speaker 1: be taken into consideration, and what happens if you remain
25:33
Speaker 1: stuck in that location for an extended period of time.
25:36
Speaker 1: Speaking of stopover destinations and being triggered, Georgia King, what
25:41
Speaker 1: lets play a quick little guessing game of how much
25:45
Speaker 1: money did stopping over in Dubai in international roaming fees? Oh,
25:51
Speaker 1: I'm so I did my research. My phone network allows
25:57
Speaker 1: five dollars roaming overseas, and I'm like money, we need
25:59
Speaker 1: now do five bucks? I have nailed this. Get to
26:02
Speaker 1: use my existing data for only five bucks a day.
26:04
Speaker 1: I'm not even gonna think about it. Get to Dubai
26:07
Speaker 1: turn on my phone to tell my mom, Hey mom,
26:09
Speaker 1: this is sick. I'm in Dubai, and my phone starts
26:12
Speaker 1: racking up seven hundred, maybe one hundred dollars in two
26:18
Speaker 1: hours in Dubai, seven hundred dollars. Because this very charitable
26:23
Speaker 1: individual was like, don't worry, Alex, don't worry Steph, don't
26:27
Speaker 1: worry Rose. It's a lot of got five dollar roaming
26:32
Speaker 1: tether to my phone. So they all used my Inintenet.
26:34
Speaker 1: I used Maintenet, and now I have a seven hundred
26:37
Speaker 1: dollar phone bill, which is a money loss, and I'm
26:40
Speaker 1: currently talking to them about trying to get out of
26:42
Speaker 1: that because that was not communicated to me. But maybe
26:46
Speaker 1: that's my stupidity. I should have known known can't be
26:50
Speaker 1: perfect in every way A doll well, I look up
26:53
Speaker 1: and then, to be honest, I think I've got this
26:54
Speaker 1: loophole right. So sorry, if you're all my phone provider
26:57
Speaker 1: and you're listening to this. Halfway through, they send you
26:59
Speaker 1: a checht message and they say you're one hundred dollars
27:01
Speaker 1: over and I was like, no, I've got five dollar roaming,
27:04
Speaker 1: like that makes no sense. And my phone provider has
27:07
Speaker 1: a app, so I like logged onto the app and
27:09
Speaker 1: sent them a message and said, hey, like, I just
27:12
Speaker 1: got this text message saying that I'm one hundred dollars
27:14
Speaker 1: over like I'm on five dollar roaming. Can you please confirm?
27:17
Speaker 1: And they replied and said, yeah, just confirming you are
27:20
Speaker 1: on five dollar roaming. So I thought that was an error,
27:22
Speaker 1: not that I had one hundred dollar bill. So I
27:24
Speaker 1: think that that loophole of them confirming.
27:27
Speaker 4: That I.
27:29
Speaker 1: Kept using it just assuming then maybe that's how they
27:31
Speaker 1: measure it. Like, I don't know what this turns out.
27:34
Speaker 1: I'm just really silly. Oh girl, girl, that was not
27:39
Speaker 1: covered or my travel insurance Georgia.
27:41
Speaker 4: King, See, we're learning from your mistakes. Was there anything
27:44
Speaker 4: else you wanted to cover off here?
27:45
Speaker 1: There's obviously a lot of different tips and tricks, and
27:48
Speaker 1: I might actually whack together a little blog post so
27:51
Speaker 1: that they're all there, because I feel like I've done
27:53
Speaker 1: their research and you guys should benefit from that. But
27:57
Speaker 1: the other thing I want to point out is if
27:59
Speaker 1: you're a cruise and you're going to go on a cruise,
28:01
Speaker 1: you need to be extra careful because a lot of
28:04
Speaker 1: travel inturers might not offer COVID nineteen for multi night cruises,
28:07
Speaker 1: which I thought was a bit wild, but something worthy
28:11
Speaker 1: of consideration because I think at this point in time,
28:14
Speaker 1: a lot of people going, oh, cruise seems really easy,
28:16
Speaker 1: but also like a bacon for cultivating COVID.
28:20
Speaker 4: Yeah. Well, remember at the start Princess Swan or something,
28:25
Speaker 4: I don't know, the Ruby Princess.
28:27
Speaker 1: They have such interesting cruise ship names.
28:29
Speaker 4: Absolutely, they're very sexy.
28:30
Speaker 1: When we were in Monaco. When we were in Monaco,
28:33
Speaker 1: there was this woman walking around for the flag and
28:36
Speaker 1: the plethora of Americans behind her, and her flag said
28:38
Speaker 1: celebrity cruisers, and I was like, oh, those people don't
28:41
Speaker 1: look like celebrities, but they named cruises real weird names.
28:45
Speaker 4: Absolutely. I love a good cruise, happy to have the boats.
28:47
Speaker 1: Have you been on a cruise?
28:49
Speaker 4: Yeah, with mom and Dad when I was like eighteen,
28:52
Speaker 4: I was like, Mango Dakari please. I felt like such
28:54
Speaker 4: a spoiled little beach, litle abyss. It was so good.
28:57
Speaker 1: Was it included?
28:58
Speaker 4: Yeah, it was like the money Caress.
29:01
Speaker 1: It was the best on a cruise. Looking at our producers,
29:05
Speaker 1: she says, no, but it is.
29:07
Speaker 4: It's very much an older demographic.
29:09
Speaker 1: Soon, Yeah, we can make a fun back to travel
29:11
Speaker 1: insurance question Jking on tour, lots of.
29:15
Speaker 4: People be on the IG wanted to know if their
29:18
Speaker 4: credit card company offers them default insurance when they travel.
29:21
Speaker 4: Is that a thing?
29:21
Speaker 1: It is a thing, and it's a really nice perk,
29:23
Speaker 1: and it can, from my perspective, be a really nice
29:26
Speaker 1: perk for the cost of your travel. So, say you
29:29
Speaker 1: booked your flights on your credit card. Usually then your
29:33
Speaker 1: credit card's like, Wow, that entitles you to get free
29:36
Speaker 1: travel insurance from us. But the thing I would be
29:38
Speaker 1: really wary of is what's included and what's not included,
29:42
Speaker 1: because it's usually a very low cost group insurance policy
29:47
Speaker 1: that is probably not covering the things you need. And
29:50
Speaker 1: too many times people just go, oh my god, but
29:52
Speaker 1: I booked on my credit card, It's fine, I have
29:54
Speaker 1: automatic insurance. I'm like, did you even look at the policy?
29:57
Speaker 1: Do you even know what's included? I'm sure there are
30:00
Speaker 1: some credit card companies that have great travel insurance policies,
30:04
Speaker 1: but from my perspective, they're just not enough. They just
30:07
Speaker 1: don't cover enough of the stuff that I would want
30:09
Speaker 1: you personally covered for, and a lot of their priority
30:13
Speaker 1: is on, you know, making you feel good about booking
30:16
Speaker 1: your flights through your credit card, so it would cover
30:18
Speaker 1: loss of income if you missed your flights, or it
30:21
Speaker 1: might cover like loss of luggage or something. But they're
30:23
Speaker 1: not talking about expatriation right, and that to me is
30:26
Speaker 1: the important part. Like I just want to make sure
30:29
Speaker 1: that your body is safe and you get home in full,
30:32
Speaker 1: regardless of whether your laptop comes home with you or not.
30:34
Speaker 4: Sure, speaking of danger, danger danger driving cars overseas, often
30:39
Speaker 4: you're on the other side of the road. It's not
30:41
Speaker 4: that easy. Sure is there?
30:44
Speaker 1: Yes?
30:45
Speaker 4: There is?
30:45
Speaker 1: But did you know you also needed an international drivers permit.
30:48
Speaker 1: So in addition to having your driver's license, you need
30:52
Speaker 1: an international driver's permit. And I promise they're really easy
30:55
Speaker 1: to get if you aren't on your pea plates. If
30:57
Speaker 1: you actually have a full license, you just go through
31:00
Speaker 1: RACV or RACQ or whatever it is in your state.
31:03
Speaker 1: Just literally google IDP or International drivers Permit. But you
31:07
Speaker 1: actually need to have your Australian license and a complimentary
31:11
Speaker 1: international drivers permit to make sure that you are safe.
31:14
Speaker 1: And I say this not because you can't just go
31:16
Speaker 1: to France and hire a car. You can, but will
31:19
Speaker 1: your travel insurance cover you if you don't have your permit.
31:22
Speaker 1: Probably not, so it's important to understand that the same
31:25
Speaker 1: thing happens. Like you know how many Australians go to Bali.
31:28
Speaker 1: They're like, I just got a scooter, Like, of course
31:30
Speaker 1: they're going to lease a scooter to you. Are you
31:32
Speaker 1: actually covered on your travel insurance?
31:34
Speaker 2: No?
31:35
Speaker 1: And that's what we saw in that money diary ages ago,
31:38
Speaker 1: where her husband had a scooter accident wasn't covered because
31:41
Speaker 1: he didn't have a driver's license to drive that. So
31:44
Speaker 1: that is heartbreaking to think that you're like, oh, I'm
31:46
Speaker 1: just on holiday, it'll be fine. But if you apply
31:48
Speaker 1: for your international driving permit, it's actually really easy. You
31:51
Speaker 1: can do it all online. I say that because I
31:53
Speaker 1: did it before I left. We didn't end up hiring
31:55
Speaker 1: a car, but I didn't want to be stuck for
31:57
Speaker 1: choice because like the idea of hiring a vintage French
32:02
Speaker 1: car to drive down the vintage French Riviera was very appealing.
32:07
Speaker 1: But when we got there and realized how expensive it was,
32:09
Speaker 1: I was like, I will catch that train. That is
32:12
Speaker 1: not an option. But in my head it was good
32:14
Speaker 1: and I think it only cost me about forty five dollars,
32:17
Speaker 1: So that's a bit of a money win. I think
32:19
Speaker 1: it lasts for a fair while as well, so it's
32:21
Speaker 1: like you need to get one every time. Yeah, yeah,
32:23
Speaker 1: so that's pretty good. And technically it's also a requirement
32:26
Speaker 1: for renting cars in lots of other countries. But I know,
32:29
Speaker 1: and this is why I've like disclaimed it. I know
32:32
Speaker 1: people are probably going to rent you the car anyway
32:34
Speaker 1: because they want the sale. So it's about actually protecting you,
32:37
Speaker 1: not necessarily looking at what that car rental company will
32:40
Speaker 1: accept or not. It's actually about are you safe. That's
32:42
Speaker 1: the actual answer for me.
32:44
Speaker 4: There's also something about age in that. I remember when
32:47
Speaker 4: I was in Italy with my mates and I was
32:49
Speaker 4: twenty four but my mate was twenty five. It was
32:52
Speaker 4: much more affordable insurance wise for her to be driving
32:55
Speaker 4: the car.
32:55
Speaker 1: Yeah, yeah, yeah, I think it's because you were really
32:58
Speaker 1: young and irresponsible. Actually, just saw your name come up
33:00
Speaker 1: and nearly drop her. Not heard about her, no, sir,
33:04
Speaker 1: no sir. But yeah, over twenty five. I think it's
33:07
Speaker 1: over twenty five or over twenty six, because the same
33:09
Speaker 1: thing happens in Australia. Like once you're off your pea
33:12
Speaker 1: plates and you have a full driver's license and you're
33:14
Speaker 1: over the age of twenty five, you're much better when
33:17
Speaker 1: it comes to like driving. Apparently you're safer. It's the
33:20
Speaker 1: reason why I could tell my sister she couldn't drive
33:23
Speaker 1: my car until she was over the age of twenty five.
33:25
Speaker 1: Now she is. I'm a bit disappointed.
33:27
Speaker 4: Because I've got no can't use that anymore.
33:29
Speaker 1: I can't use that anymore, brilliant.
33:30
Speaker 4: Before we wrap for the day, VD, do you have
33:33
Speaker 4: any last tips you want to lay on the ladies.
33:37
Speaker 1: So the one thing that I think people are going
33:39
Speaker 1: to think I'm a loser for, but you know what
33:42
Speaker 1: you want to do. You want to travel with your
33:43
Speaker 1: loser friend because they're the one keeping you in track.
33:46
Speaker 1: They're the one with the spreadsheet that I will share
33:48
Speaker 1: on my website at some point soon, so you can
33:50
Speaker 1: download and use it. But create a little drop box
33:53
Speaker 1: and put a copy of your driver's license, your passport,
33:56
Speaker 1: your driver's permit, or your credit cards or your travel
34:00
Speaker 1: pop it in there. I know it doesn't sound the safest,
34:03
Speaker 1: so probably spread them out so that they're not just
34:05
Speaker 1: in one location. For a robber. I often email myself
34:09
Speaker 1: those documents so that I know they're sitting in my emails.
34:12
Speaker 1: But that means if anything goes missing, you actually have
34:15
Speaker 1: a copy of it on hand. And too many times
34:18
Speaker 1: with pickpockets and stuff like that overseas, like it's not
34:22
Speaker 1: just going to be you forgetting it, it might literally
34:24
Speaker 1: just get stolen from you while you're on the metro.
34:26
Speaker 1: So I think having a copy of that is going
34:28
Speaker 1: to mean everything's so much easier. Like if you need
34:30
Speaker 1: to cancel a credit card, you can just call up
34:32
Speaker 1: and cancel it. If you need to get a new passport,
34:34
Speaker 1: you can just go to the embassy and be like,
34:35
Speaker 1: this is a copy of my passport. Can you please
34:38
Speaker 1: help me organize this? It makes their job easier, your
34:40
Speaker 1: job easier. And also, George, when I am traveling, I
34:45
Speaker 1: actually put my passport in the safe and I made
34:48
Speaker 1: some nice purchases and they were like, do you want
34:50
Speaker 1: the tax back on that? And I was like yes,
34:51
Speaker 1: and they were like, we need your passport and I
34:53
Speaker 1: was like, oh, it's in the safe and I was like, wait,
34:55
Speaker 1: I've got it on job box. Who So that was
34:57
Speaker 1: really helpful. I didn't actually have to carry my passport
34:59
Speaker 1: around go shopping day, which makes me feel a little
35:02
Speaker 1: bit Then those are my hot tips. That's all I've got.
35:05
Speaker 1: If you think that's all our travel content done forever,
35:08
Speaker 1: you're wrong, because I'm going to stretch this Europe trip out.
35:10
Speaker 4: As much as possible. Brilliant, Thanks b. I feel like
35:13
Speaker 4: moral of the story is we need to make sure
35:15
Speaker 4: we have comprehensive insurance and that we're covered for repatriation
35:19
Speaker 4: and medical evacuation. Yes.
35:22
Speaker 1: Absolutely, It sounds like I'm being a really dramatic nanner,
35:25
Speaker 1: but like I promise you, those are the things that
35:27
Speaker 1: your friends and family are going to thank you for
35:30
Speaker 1: if something does happen.
35:31
Speaker 4: Yeah, for sure. All right, let's leave it. They're boring
35:34
Speaker 4: but important stuff. Let's get into it. The advice shed
35:36
Speaker 4: on She's on the Money is general in nature and
35:38
Speaker 4: does not considerut your individual circumstances. She's on the money
35:42
Speaker 4: exists purely for educational purposes and should not be relied
35:45
Speaker 4: upon to make an investment or a financial decision. And
35:48
Speaker 4: we promise Victoria divine and She's on the Money are
35:51
Speaker 4: authorized representatives of Infocused Securities Australia Proprietary Limited ABN four
35:56
Speaker 4: seven zer A nine seven seven nine seven zero four
35:58
Speaker 4: nine AS two three six five two.
36:00
Speaker 1: Three, and as always, we would love it if you
36:03
Speaker 1: joined our Facebook group, where our community shares money tips,
36:06
Speaker 1: travel tricks every single day, free of judgment. So she's
36:10
Speaker 1: on the money on Facebook and join us if Facebook's
36:12
Speaker 1: not your thing. We're also on Instagram and we're really
36:15
Speaker 1: bad at TikTok, where she's on the money a us. Also,
36:18
Speaker 1: don't forget to rate, review, subscribe to us to make
36:20
Speaker 1: sure that we still feel the love.
36:22
Speaker 4: That would be so nice, it'd be so nice, so nice,
36:25
Speaker 4: it would be so nice.
36:26
Speaker 1: All right, see your Friday, guys.
36:28
Speaker 4: Bye guys. See then,