We rate our regions in order of price from highest to lowest: Worldwide, Europe, Asia, Pacific. If you are travelling to the USA, Canada, Africa, South America or the Middle East, select WORLDWIDE. Note that when you buy a policy for a specific region, you are automatically covered for the lesser destinations. So for example, with a Worldwide policy you are covered for anywhere else in the World. Similarly with a Europe policy you are also covered for Asia & the Pacific.
Our policies have a nil excess except for travellers 81 years and over. For international policies, for travellers 81 years and over, a $5,000 excess applies for all claims relating to a medical condition. A nil excess applies for all other claims.
Yes. Comprehensive Cover & Australia Only cover is automatically available to travellers of all ages. However for travellers aged 81 years and over, cover is available subject to the following conditions.
Additionally, the following additional premiums apply to travellers 71 years and over as at the date of certificate issue:
Please note: An additional premium for pre-existing medical conditions may also apply.
Travellers aged 71 - 75 years: +50% of single premium
Travellers aged 76 - 80 years: +100% of single premium
Travellers 81 years and over: +200% of single premium
If you pay online by credit card, you will receive an immediate confirmation and Certificate of Insurance confirming that you have cover. Your are covered right away!
Our travel insurance is designed for the leisure traveller, and typically does not cover events linked to employment overseas. In most circumstances, if you suffer an injury on-the-job you may be entitled to seek compensation from your Employer in the first instance.
Sorry but no. We won't refund your premium if you cancel your policy (other than in the first 14 days under our Money Back Guarantee).
No. Our policies are all designed to be taken before you commence your journey from Australia and cover you from when you leave your home until you get back to Australia.
Our policies entitle you to medical assistance and cover for the costs of treatment. You are free to choose your own medical advisor or we can appoint an approved medical advisor to see you, unless you are treated under a Reciprocal HealthCare Agreement. (refer to your policy for details)
When you buy a policy, you're provided with a policy number and an assistance number that you can phone free of charge from anywhere around the world, 24 hours a day, 7 days a week, 365 days a year. Contact us immediately if you have a medical problem whilst overseas on 61 7 3305 7499 (reverse charge).
Yes we do, but we may refuse to pay a claim if you do not take all reasonable precautions to protect your luggage, which means ensuring that you do not leave it unsupervised and taking all necessary steps to avoid any loss or damage.
You will find a full definition in the Product Disclosure Statement on page 9.
If you are taking Comprehensive or an Australia Only policy, you can conduct a self assessment of your pre-existing medical conditions as outlined in the Product Disclosure Statement on pages 9 to 14 or our online application from within the purchase path without the need to visit your doctor or supply a medical report. Certain pre-existing conditions are covered automatically at no additional cost, however this will be explained in detail as you go through the self assessment process. If you have a PE Condition and you do not purchase the appropriate cover, we will not pay any claim arising from, related to, or associated with, your condition.
You can download the form from this site. This form must be forwarded to us, together with original documents (such as receipts, medical reports, invoices, police reports, etc)
Phone our assistance line and our team will be able to help you to deal with your emergency. These numbers appear on your Certificate of Insurance and also on our Contact Us page of this site.
If you're completing a form and it prompts you for either of the above, just put the policy number listed on your Certificate of Insurance. (Yes, both terms relate to the same number)
If you claim relates to medical expenses, you need to have your regular doctor in Australia complete this section of the form.
Our travel insurance policies do not cover medical costs incurred within Australia because under law you are already entitled to treatment under your existing public or private healthcare entitlement.
Our liability ends upon safely repatriating you to home soil, where you are assimilated into the local healthcare system.
Whether applying online or manually, you may be prompted to send us original documents, such as reports or receipts. Typically, these documents are requirements and we are unable to action the claim without the relevant supporting documentation. Each type of insurance claim that you can make may have a different document required (for example, medical report, invoice, receipt, police report), we will always advise you of any document required to action your claim.
We proudly support the General Insurance Code of Practice. The purpose of the Code is to raise the standard of practice and service in the general insurance industry. If we refuse your claim, you may refer this decision to our enquiries and complaints manager, who has an independent decision making authority. If this does not resolve the matter, you may contact the industry's independent external complaints scheme, the Insurance Ombudsman Service.
Product Disclosure Statement | Duty of Disclosure | Privacy Document