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.
A well-known feature of travel insurance is protection for your luggage and personal effects you take with you on your holidays... however it is also one of the most misinterpreted aspects of the policy.
Leaving your phone behind in a restaurant is often not covered, leaving your bag in the back of a taxi is often not covered, and forgetting a suitcase on the airport conveyer belt is not covered. So when are you covered?!
When you leave your luggage and personal effects:
Normal luggage cover is subject to decpreciation - the lowering of value over time and with wear and tear. So a claim for your stolen four-year-old camera that cost $3000 might only get you back $2000. To avoid depreciation, you can look for high value item travel insurance - an add-on most insurers offer where you can list your expensive items.
|Insurer||Underwriter||Policy Name||Luggage Cover||Buy Now|
|1Cover||Certain underwriters at LLoyd's||Comprehensive||$15,000|
|American Express||Chubb Insurance Australia Limited||International Comprehensive||$15,000|
|Budget Direct||Auto & General Services Pty Ltd||Comprehensive||$7,500|
|Columbus||Certain underwriters at LLoyd's||Premier||$10,000|
|Downunder||Certain underwriters at LLoyd's||Premier||$7,500|
|Fast Cover||Hollard Insurance Company Pty Ltd||Comprehensive||$10,000|
|InsureandGo||Mitsui Sumitomo Insurance Company Limited||Insure & Go Gold||$8,000|
|itrek||Certain underwriters at LLoyd's||Pinoeer||$5,000|
|No Worries Insurance||Chubb Insurance Australia Limited||Comprehensive||$20,000|
|Online Travel Insurance||Allianz Australia Insurance Limited||Comprehensive||$10,000|
|Simply Travel Insurance||Certain underwriters at LLoyd's||Comprehensive||$7,500|
|Tick||Mitsui Sumitomo Insurance Company Limited||Top||$7,500|
|Travel Insuranz||Berkshire Hathaway Speciality Insurance||Deluxe||$7,500|
|Travel Insurance Saver||QBE Insurance Limited||Comprehensive||$12,000|
|Worldcare||Allianz Australia Insurance Limited||Comprehensive||$10,000|
|Webjet||Allianz Australia Insurance Limited||Comprehensive||$10,000|
|Zoom Travel Insurance||Certain underwriters at LLoyd's||Comprehensive||$7,500|
Your items are usually defined as: Any personal items owned by you and that you take with you, or buy on your journey and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment.
Sarah from Melbourne*
“During my last holiday I lost my baggage and spent the remainder of the trip calling my insurer to file a claim. After numerous phone calls and emails I was told that my baggage could not be claimed as it was lost due to my negligence.”
Peter from Brisbane*
“At the train station in Barcelona my iPhone was stolen from my bag that I had left with a friend whilst I went to the bathroom. Once I realised the loss, I reported it to the police and made a claim on my insurance, which was declined because I was told my bag was unattended!”
James from Jervis Bay*
“My luggage was misdirected while travelling to Hong Kong, and the airline refused to accept it was their fault in writing. Then my travel insurance claim was rejected as I did not have the necessary documentation.”
It’s important to remember that each uinsurer has a different list of items and situations that are covered, so it pays to shop around and compare different policies. For example some insurers do not cover sporting equipment, musical instruments, jewellery, or cash under a standard policy. Always refer to an insurer’s fine print to see what items and situations they exclude. Reading through customer reviews for travel insurance can also help you understand why claims are accepted or denied.
Having travelled to over 40 countries, studied tourism management and worked as a flight attendant for over three years, Natalie knows more than a thing or two about travel! She’s an adventure-lover, whose favourite trips have been trekking Machu Picchu and volunteering in an animal shelter in the Amazon. Qualified in Tier 2 General Insurance General Advice and specialising in travel insurance for the last five years, she in passionate about helping travellers get the most out of their holiday.