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Zoom Travel Insurance Review

4.4 / 5.0 CTI Rating
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  • AU owned and operated
  • 373 verified reviews
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Natalie Smith

Reviewed by Natalie Smith

Travel Insurance Analyst | Updated Jun 1, 2026

CTI Verdict

Zoom Travel Insurance is aimed at budget-conscious travellers. The premiums consistently sit below the industry average, but the cover itself is solid and comprehensive. Claims turnaround can be slower than competitors like Allianz or Cover-More, and phone support hours are limited. But if value is your primary concern and you are comfortable with digital self-service, Zoom is a good option.

Customer reviews

Geoff H.

March 2025

Happy customer!

Darren D.

March 2025

Medical claim cruise ship

Peter

February 2025

Great Service and prompt replies

Paul H.

January 2025

Claiming on Zoom Travel insurance

Ld

January 2025

The worst insurer ever

Peter W.

November 2024

Easy and stress free

Adelina G.

October 2024

Positive Experience

Sam S.

October 2024

Investigation went well

Nadine S.

October 2024

Excellent service and claim experience

Tony B.

September 2024

Process was straight forward

Traveller

August 2024

Excellent to work with. Would recommend to anyone travelling overseas. Good value

Traveller

August 2024

Very easy to deal with

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Got questions?

Frequently asked questions

How many people can I include in my policy?

The more the merrier right? Zoom's insures groups of up to 25. That means more fun for less hassle.

Am I covered if I go on a cruise?

No, not automatically. You must purchase their cruise pack in order to be covered for any medical treatment you receive on board and for helicopter evacuation should you require emergency medical assistance.

Am I covered for skiing and my equipment?

To be covered for winter sports, including skiing and snowboarding, you must purchase Zoom's Winter Sports Pack. This pack provides coverage for overseas emergency medical and hospital expenses, as well as reimbursement for the unused portion of your lift passes, ski hire, ski passes, ski school, or tuition fees, if you're unable to use them due to injury or illness. Zoom will also cover up to $1,500 for skiing equipment.

Can I pay to reduce or cancel my excess?

Yes, you can pay an additional premium when you purchase your policy to reduce the standard excess from $200 to $100.

What additional extras are there?

Zoom has a wide range of additional extras available to purchase, including their Adventure & Sports Pack, Bicycle Pack, Cruise Pack, Winter Sports Pack, coverage for High-Value Items and coverage for the Rental Vehicle Insurance Excess.

Am I covered if my tour company collapses?

Zoom will not pay for any expenses due to the financial collapse of any transport, tour or accommodation provider.

Can I buy cover if I'm not an Australian resident?

You may be able to buy a policy if you are not an Australian resident. Make sure you read the PDS to check their eligibility criteria.

What size moped or motorbike am I covered to ride overseas?

Zoom provides coverage for riding a moped or scooter with an engine displacement of 125cc or less, provided you hold a current and valid driver's licence in Australia. If you plan to ride a motorcycle with an engine displacement greater than 125cc, you must have a valid motorcycle licence in Australia for the specific class of motorcycle you are using.

How long is their single trip cover for?

12 months.

Can I extend my policy from overseas?

Having too much fun? No problems! You can extend your policy with Zoom as long as your original policy has not expired.

Do they cover for my rental vehicle excess?

Yes, up to $5,000 under domestic policies. For international coverage, you must purchase the Rental Vehicle Insurance Excess Pack. This coverage applies to a variety of vehicles, including a campervan, car (4WD, coupe, convertible, hatchback, sedan, SUV, utility, van), minibus, motorhome or people mover that is equal to or less than 4.5 tonnes.

Who underwrites them?

Zoom travel insurance policies are underwritten by HDI Global Specialty SE - Australia.

Where are they based?

Sydney!