Underwritten by:

Userbility / Efficient use of time

• Took just over 4 minutes to gain a annual travel insurance quote
• Segmented into age groups and for policies within Australia and abroad
• You have to fill in a range of personal details before you can access a free quote
• Can be unforgiving if you've made a mistake with your personal details on the previous page. This often means you have to go back a step and start again
• If you miss something out, a box pops up. If the box says 'incomplete specified items' - it doesn't tell you what is missing and no text is highlighted for you to go back to. You have to figure this out for yourself
• Once a specific policy has been selected, you then have to go in separately to 'travel plans' and work out which is the correct type of cover
• Excess wasn't shown on 'schedule of benefits' page - you have to navigate the site to find this
• Travel plan B isn't available if more than 72 hours of trip is spent in the USA, Canada or Antarctica
• Product disclosure statements and policy wording available

Flexibility

• Covers trips up to 42 days in length
• Must be issued prior to the commencement of your trip
• Unable to repurchase travel insurance online if still on holiday and wish to extend
• Policy not available to travellers over the age of 65
• You are unable to complete your insurance online and have to contact the company direct for a form to fill out if you have undergone or been referred for medical tests for a suspected medical condition within the past 12 months
• Doesn't cover pre existing medical conditions (including pregnancy)
• 24 hour emergency helpline for those insured with Ouch

Value for money

• Does not include pre existing medical conditions
• Reduction in unnecessary overheads normally associated with travel insurance
• A large reduction in unnecessary overheads normally associated with travel insurance commission (up to 60% reduction in costs)
• Check through their online quoting system whether this is better value than purchasing insurance every time you travel over the course of a year

Financial stability

• Underwritten by QBE - one of the worlds largest assistance groups

Security of site

• Single socket layer encryption with a thawed digital certificate - this ensures the account details of your credit card are scrambled once your insurance has been purchased and that the site is extra secure