Travel insurance costs are rising - here's what you can do about it

Planning an overseas holiday and alarmed at how expensive the travel insurance policies are? You're not alone. According to a new report by Mozo, travel insurance costs - on average - have risen by a whopping 24 per cent in the past 12 months.

The average daily cost, according to the financial comparison website, varies for different policies, with essential travel cover costing $13, comprehensive insurance costing $18, and policies covering skiing and cruising costing $20 and $19 respectively. But you can still find bargains, says Mozo, as long as you're ready to spend some time and compare different offerings in the market. When doing so, accordingly to the comparison firm, it's imperative to look at the following three areas carefully: medical cover, cancellation cover and luggage cover. Going for low premiums is OK as long as you're suitably covered for these three categories. mozo.com.au

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Nature, adventure, art and dining. The coastal NSW city of Lake Macquarie seems to tick all the boxes. But with the launch of 12-seater vessel Hydro, offering eco-sensitive cruises in the region, it can add another feather to its cap. The low-impact vessel is operated by CoastXP, which has received sustainable accreditation from the Australian Tourism Industry Council, and its tours (from $99 for hour-long excursions) give visitors an option to make contributions as small as a dollar per person, which are used to offset the minimal emissions of their trip. But CoastXP owner Dominic May says it goes much further. Supporting communities and gaining insights on local geology and Aboriginal culture also contribute to the tours' sustainability credentials. coastxp.com