"destination-specific Coverage In Australian Travel Insurance Policies"

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Australia, Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Macau, Malaysia, Myanmar*, New Zealand, Pakistan, Philippines, South Korea, Sri Lanka, Taiwan, Thailand, Vietnam

"destination-specific Coverage In Australian Travel Insurance Policies"

Albania, Argentina, Austria, Bahrain, Belarus, Belarus, Belarus, Bolivia, Bosnia and Herzegovina, Brazil, Bulgaria, Chile, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey, Hungary, Iceland , Iran , Ireland, Israel, Italy, Jersey, Jordan, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Mexico, Montenegro, Netherlands, Norway, Oman, Palestine, Paraguay, Peru, Poland, Portugal, Qatar, Romania, Russia, Saudi Arabia, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, UK, Ukraine, Uruguay

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Australia, Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Macau, Malaysia, Myanmar*, New Zealand, Pakistan, Philippines, South Korea, Sri Lanka, Taiwan, Thailand, Vietnam

Albania, Argentina, Austria, Bahrain, Belarus, Belarus, Belarus, Bolivia, Bosnia and Herzegovina, Brazil, Bulgaria, Canada, Chile, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey, Hungary , Iceland, Iran, Ireland, Israel, Italy, Jersey, Jordan, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Mexico, Montenegro, Netherlands, Norway, Oman, Palestine, Paraguay, Peru, Poland, Portugal, Qatar, Romania, Russian Federation, Saudi Arabia, Serbia, Slovakia, Republic, Slovenia, Spain, Sweden, Switzerland, Turkey, UAE, Ukraine, United Kingdom, Uruguay, USA

Anguilla (Caribbean), Antigua and Barbuda (Caribbean), Aruba (Caribbean), Azerbaijan, Barbados (Caribbean), Bermuda (Caribbean), Bonaire, Sint Eustatius and Saba, British Virgin Islands (Caribbean), Colombia, Congo (Democratic Republic), Costa Rica, Curacao, Dominica (Caribbean), Ecuador, Egypt, El Salvador, Faroe Islands, Fiji, Gabon, Ghana, Greenland, Grenada (Caribbean), Guam, Guatemala, Guernsey, Guinea Bissau, Guyana, Haiti (Caribbean), Honduras , Jamaica (Caribbean), Kazakhstan, Kenya, Kuwait, Kyrgyzstan, Laos, Macedonia, Madagascar, Malawi, Mongolia, Montserrat (Caribbean), Mozambique, Nauru, Nepal, Nicaragua, Niger, Nigeria, Panama, Papua New Guinea, Puerto Rico, Rwanda, Samoa, Seychelles, South Africa, St Kitts and Nevis (Caribbean), St Lucia (Caribbean), St Vincent (Caribbean), Tajikistan, Tanzania, Timor Leste, Tonga, Turks and Caicos (Caribbean), Uganda, Uruguay, Uzbekistan, Vanuatu, Venezuela, Zambia

Afghanistan, Algeria, Angola, Armenia, Bahamas, Benin, Bhutan, Botswana, Burkina Faso, Cameroon, Cape Verde, Cayman Islands (Caribbean), Central African Republic, Chad, Congo, Côte d'Ivoire (Côte d'Ivoire), Cyprus, Dominican Republic, French Guiana, French Polynesia, Gambia, Georgia, Guadeloupe, Guinea, Iraq, Isle of Man, Lebanon, Lesotho, Liberia, Maldives, Mali, Martinique, Mauritius, Moldova, Morocco, New Caledonia, Northern Mariana Island, Saint Barthélemy, Saint Martin, Senegal, Sierra Leone, Slovakia, Solomon Islands, Suriname, Swaziland, Tunisia, Zimbabwe The Skift Travel Health Index is a real-time measure of the performance of the travel industry as a whole, and the core verticals within it, for 22 countries. The index provides the travel industry with a powerful tool for strategic planning, of utmost importance as the industry makes its way towards recovery from the impact of the pandemic.

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The index was launched by Skift in May 2020 as the Skift Recovery Index. At the beginning of 2022, a far-reaching rebrand will mark the addition of more indicators, additional data partners, and a new name for the index, going beyond the analysis of how the travel industry has developed since the pandemic. 2023 sees a continuation of this approach.

The index tracks 84 indicators per country to assess the health of the travel industry in each country. These indicators are aggregated into performance categories and subcategories. The top level of division is by travel vertical, and each vertical is further divided by intent indicators, booking indicators and key performance indicators.

The index focuses on travel performance in 22 of the largest tourism economies, combined for 62% of inbound tourism, 67% of outbound tourism spending, and 78% of global 2019 GDP.

The selection of these countries is a combination of the largest economies, and the most important tourist destinations and origin markets. The selection deliberately includes a number of net exports of tourism (more inbound tourism than outbound tourism), and net imports of tourism, to track how this affects travel performance.

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Subject to availability, largely driven by industry standards in each travel vertical, the index design includes a mix of market focuses. If possible, the index takes data divided into three aspects: inbound travel, home travel, and outbound travel. Not all data sources have this level of granularity available, however. There is therefore a second divide that divides demand into a destination view (combining inbound and domestic travel) and a source market view (combining domestic travel and outbound travel). Below we clearly state the focus of each indicator, and in our analysis and reports we similarly indicate the focus of the analyzed dataset.

One of the index's key strengths is its reliance on a wide range of sources for each category and subcategory. We work with a large number of industry leading travel players who provide their proprietary data to be included in the index. Further information about each data partner can be found at the end of this document.

Each 2019/20, 2019/21, 2019/22, and 2019/23 growth rate is indexed, where the 2019 volume or value is based on 100. will be 100. Any growth compared to 2019 means an index score above 100, any contraction means a score less than 100.

Each indicator is weighted to provide a final index score. The weighting is based on Skift's estimates of the relative importance of different travel verticals, as well as the strength and reliability of the indicators to ultimately provide insight into the industry's performance. For example, search data provides an interesting indication of travel intent, but actual transactional data such as hotel occupancy is considered more important as an indicator of on-the-ground recovery. Therefore, hotel occupancy is weighted more than hotel research.

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Each particular category and subcategory "buckets" a number of different indicators. For example, airline passenger volume data, load factors, and revenue per kilometer flown are all indicators, but together they roll up into the same "Aviation KPIs" subcategory. Typically, all indicators are equally weighted within a given metric.

Each category and subcategory combines data from different data partners to strengthen the data, with the only exception being the car rental category, which is provided by a single data provider.

Since not all indicators are available for every country, the weightings differ slightly per country, but below is a table with ideal weightings by category and metrics when all indicators are available.

We have been following the industry since the beginning of 2020. For 2020, the aim is to compare the 2020 performance of each indicator with the same period in 2019.

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For 2021, 2022, and 2023, the performance of each indicator is expected to compare similarly with the same period in 2019. This means that the calculations look like this:

The index provides a score relative to a baseline reading of 100 for the same month in 2019.

Comparing the current performance with 2019 figures, which was a strong year for travel in most countries and verticals, allows for easy interpretation as different verticals and countries showed fluctuating performances.

Seasonality offers large fluctuations in the travel industry, affecting countries differently, and by comparing the current month with the same month in 2019, the index compensates for any seasonal fluctuations.

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At the beginning of 2021, 2022, and 2023, changes were made to the index to further improve the data by adding data partners and indicators. This means that there are time series breaks that could shift growth rates between December and January of 2020/21, 2021/22, and 2022/23.

To make the index almost real-time, we opted for monthly updates of the index scores. Most of our data partners can provide us with this data one week after the month is completed.

There are some indicators that have a longer lag time, including hotel occupancy from STR, and flight load factors from IATA.

In these cases, we use last month's data to make an estimate for the current month. We will update this retrospectively as data becomes available, which may result in historical revisions of the index scores.

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To add further accuracy to the index, we include cancellation data, although this is a negative indicator, it is layered on top of the index. In other words, more cancellations than the same month in 2019 will result in a negative score that will be subtracted from the overall index score.

The maximum cancellation score is set to 0 (low cancellations mean no subtraction), and the minimum score is limited to half the total weight of the booking indicator. For example, there are 15 indicators that track hotel booking data, with an aggregate weight of 19.5%, so the cancellation data score can be a maximum of 0, and a minimum of -9.75 (half of 19.5%).

To further benefit our analysis of the travel industry, select data partners provide additional data that is not included in the index but is used in our analysis and reporting. This data can also be found on the dashboard on the Skift website.

Skift collaborates with 22 data partners to provide monthly updated data, without

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