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Travel Insurance

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Travel Protected and avoid any unforeseen circumstances.

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Travelling should be exciting. You shouldn’t have to worry about losing your luggage, getting sick while you’re away, or airline disruptions and cancellations. Many of us think ‘it that won’t happen to us’, but it can and it does for thousands of people each year. Travel Insurance is a must for any traveler to ensure you are covered if things go wrong while you are away.

What is travel insurance?

Travel insurance is designed to protect you against unexpected events when you’re travelling domestically or internationally. It can help with costs associated with events like illnesses and injuries while you’re overseas, lost or stolen luggage and personal effects, cancellation fees and flight delays. Depending on the type of policy and its level of protection, you can be covered for a number of events that can bring your travel plans to a halt.

What does travel insurance cover?

Travel insurance protects you against financial loss arising from unforeseen scenarios. Examples of these scenarios include (but aren’t limited to):

    • Illness or injury while overseas (some policies also cover pre-existing medical conditions)
    • Lost or stolen luggage or personal effects (e.g. laptop, suitcases)
    • Cancellation fees
    • Cancelled flights

Depending on where you’re traveling to and how much cover you need, you can choose from either a basic, mid-range or more comprehensive level of cover.


Frequently Asked Questions

Everything you ought to know.

We believe so, as travel cover provides peace of mind for a range of scenarios, including injury or illness, when you’re travelling both abroad.

When travelling internationally, you aren’t always afforded the same health care services and cover as you are in your country. Moreover, you can’t always access these services without suffering a major blow to your budget. This means if you were to fall ill or become injured overseas, you could be hit with major out-of-pocket costs.

On top of this, there’s a chance your belongings could be stolen or damaged during your travels as well. Could you afford to replace your laptop or camera equipment? How about the contents of a lost suitcase? Depending on your level of cover and your policy’s Product Disclosure Statement (PDS), your insurer can compensate you for the loss of, or damage to, your belongings while you’re travelling both domestically and internationally.

Furthermore, if your flight is delayed or cancelled and you don’t have travel insurance, you could be left to cover the costs of a new flight or alternative arrangements. Don’t forget that a cancelled flight can have major repercussions for your travel; perhaps you’ll miss your connecting flight or a pre-paid event, like a concert.

As travel insurers cover a number of specified events, why not enjoy peace of mind knowing you’re protected when you need it most?

The cost of your travel insurance depends on a range of factors, including:

  • Your destination
  • Your age and the age of other travellers
  • The number of travellers on your policy
  • Any pre-existing health conditions of all travellers
  • Whether or not you’re partaking in adventure sports
  • The length of travel
  • The level of cover you’ve taken out (i.e. basic, mid-range, or comprehensive).

On top of this, the cost of your policy will greatly depend on which insurer you go through. As each policy is unique to the traveller, it’s important you compare insurance from a range of providers to ensure you’re getting great value for your cover.

Excess refers to the amount you’ll pay if you ever claim on your policy. This amount is agreed upon when you first take out cover. When you make a claim, you’ll pay this amount, and your insurer will pay the rest of your costs (e.g. any medical bills, refunded airline tickets) up to your benefit limit.

Yes – injuries or illnesses are some of the most important reasons to get travel insurance. Depending on the type of policy you take out, your travel insurance can cover your medical expenses.

If you have any known pre-existing medical conditions, you may receive cover up to a limit – provided you disclose this to your insurer before you take out your policy. Some policies will only cover certain pre-existing conditions, while others may not provide cover at all. As such, it’s crucial you speak to your insurer and check the policy’s Product Disclosure Statement (PDS).

Also, keep in mind that you may be required to undergo a medical assessment before you take out cover.

Certain factors, like how far you are in your pregnancy or if your doctor advised you against travel, can affect your travel insurance. It’s important you talk to your insurer and check your policy’s Product Disclosure Statement (PDS) to be aware of any exclusions or limitations in cover.

Yes, your travel insurance may cover certain misplaced items, depending on your type of cover.

Insurers may not compensate lost belongings if you are negligent (i.e. you left your belongings unattended), you don’t report the theft to the authorities, or if certain valuables – like your computer or jewellery – are placed in your check-in luggage.

In order to claim, you must be able to prove the value and your ownership of the items. You’ll also be restricted to only claiming up to your policy’s benefit limit.