Question 1

What is travel insurance?

Accepted Answer

Travel insurance is insurance that provides protection against certain financial losses you could suffer while travelling. The losses could be the result of things like medical expenses due to illness or injury; lost, damaged, or stolen luggage; cancelled flights or accommodation; even emergency medical evacuation. The type of events you are covered for depends on the type of policy you have taken out, with the most common one being international travel cover, though it is possible to get multi-trip travel policies which is a single policy that covers you for multiple trips in a single year.

Question 2

What is the cheapest travel policy?

Accepted Answer

When it comes to travel insurance cover, your priority should not be the cheapest travel insurer, but rather who offers relevant travel policy with all the benefits you need. Assessing the benefits, limits, and exclusions should be your top priority, followed by price. We’ll show you a range of policies at affordable prices.

Question 3

What does travel insurance cover?

Accepted Answer

What is covered by travel policies differs from one insurer to the next, and according to the type of cover you request. Coverage could include the following:

Medical expenses
 Flight and accommodation cancellations
 Lost, stolen, or delayed luggage
 Emergency medical evacuations

Read through the Product Disclosure Statement when comparing quotes online to understand what is covered, and what is excluded.

Question 4

Do I need travel insurance for Australia?

Accepted Answer

If you’re an Australian resident travelling in Australia domestic cover can be useful in protecting you against stolen or accidentally lost luggage, and cancelled trips. If you are visiting from abroad, then travel insurance to Australia is definitely a wise choice for the same reason as visiting any country: you never know when you might need it for medical costs, unplanned changes to your travels, or just delayed luggage.

Question 5

When should I get travel insurance?

Accepted Answer

The best time to take out a travel policy is when you book and pay for your trip. Some policies have a 7-14 day waiting period before any benefits become available, and buying it well in advance of your trip also protects you against cancellation costs. If you do a comparison of travel insurance products before booking your trip you will be better prepared to make a decision.

Question 6

Should I get travel insurance for a cruise?

Accepted Answer

We generally advise that you should take out cruise cover, even on a domestic cruise. This is not only to protect yourself against cancellations and stolen or accidentally lost luggage but also for onboard medical expenses. Medicare and private health insurance do not generally cover medical expenses incurred while on a cruise, even if the cruise ship never leaves Australian waters.

Question 7

Does my credit card cover travel insurance?

Accepted Answer

Many credit cards do offer cheap – or free – travel policies if you pay for your trip using your credit card. However, some of the benefits included in these policies could be quite limited compared to standalone travel cover. It is always wise to assess the benefits compared to other policies before deciding whether or not it is sufficient.

Question 8

Can seniors get travel insurance?

Accepted Answer

Yes, seniors can get travel cover, though some insurers do still have a maximum age they will cover, along with other restrictions and/or benefit limits. We provide access to discounted travel insurance for seniors, with an additional 10% saving for travellers aged 60 and over. Depending on your age, we may ask you a few questions about your health and lifestyle to determine whether cover can be provided.

Unfortunately, we are not currently offering travel insurance.