Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Luggage and personal effects cover is the most frequently claimed benefit, but it's also the one which causes the most confusion at claims time. We answer some of the most common questions customers ask us about luggage cover, and help you find which insurers have the right luggage cover for you.
Comprehensive travel insurance policies include luggage cover up to a specified limit. Each insurer has a different list of items and situations that are covered, so it pays to compare their policies, shop around, and find the policy that's right for you. Some insurers do not cover sporting equipment, while others don't cover it while it's in use. Some don't cover musical instruments, or have any benefits for theft of cash. Luckily, it's all written in their product disclosure statement - so read through it so you know exactly what you'll be covered for before you buy. Reading through customer reviews for travel insurance can also help you understand why claims are accepted or denied, so you can stay ahead of the curve.
An excess is the amount under which an insurer won't pay your claim. So if you have a $100 excess and a $20 pair of sunglasses go missing, you can still claim for it, but you wouldn't get anything back because it is below excess. However, if your suitcase went missing, with $3000 worth of items, including your $20 sunglasses, then the most you could get back is $2900 ($3,000 less your $100 excess). Most insurers charge an excess per event - so if your camera was stolen one day, and your backpack fell off the cruise ship another day, each claim would incur an excess.
Holding onto your original receipts can make claims move faster. However, if you don't have them, have a hunt around for your bank or credit card statements from the time to see if they're confirmed on there. If you have them, you can use them to help substantial your claim, or you can visit the retailer and ask them to reprint the receipt. Paid in cash? A screenshot, email or statutory declaration from the person you purchased it from may help. Otherwise, do you have any photos from before the loss or theft? Some insurers may accept this as proof of ownership, although it may not help them know what its value is or how much depreciation to deduct, so you get their underwriter's minimum amount.
Most items are covered if checked in to the cargo hold of a plane, however most insurers do not cover for jewellery, phones, laptops and other expensive items stored in the cargo hold. You may also be eligible for luggage delay benefits if the airline misplaces your luggage, and you temporarily need to buy clothes, toiletries, etc. Check your insurer's policy documents for details.
Yes, most insurers require you to get a police report within 24 hours. Check your policy to confirm. Some insurers also require this if an item is lost. Check out our guide for more on claiming on your travel insurance.
Your IMEI is an identification number specific to your handset (it's not your mobile number). It is printed on the box you received with your phone, and is typically also on the receipt from the retailer you purchased from. You can also typically find out your IMEI number from your phone service provider, and request that they block your IMEI number. This means that no one else can insert another SIM into the phone and start using it. Most insurers require proof that your IMEI has been blocked to cover claims related to phones.
Within some benefits, like luggage and personal effects benefits, there are sub-limits for individual items. You might have a total benefit of $7,500-$10,000 for luggage, but you may have an individual item limit of $500-$750, or $3000 for computers, or $1000 for phones. These sub-limits will vary between insurers. Check your policy documents for more information.
With a research and journalism background, and certified in Tier 2 General Insurance General Advice, Crystal is passionate about investigating customers’ tricky travel questions and helping them find the answers they’re looking for. A writer and filmmaker whose favourite trips have been to film festivals in Cuba and South Korea, and campervanning around the USA, she loves getting to know new people and seeing a glimpse of the world through their eyes.