Means anywhere in the world.
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.
There’s no better feeling than escaping the daily grind; the wind in your hair, not a care on your mind. But travel is not all rest and relaxation! On the contrary, heading to new and distant regions can throw you any number of curveballs.
Not sure what travel insurance is good for? Whether you’ve taken a spill on the sidewalk, been mugged in a market or picked up an exotic disease, travel insurance can help you back on track quicker than you can say ‘happy holidays’.
No matter if you're holidaying at home or taking an overseas vacation, our comparison helps you to compare quotes from some of Australia’s most reputable travel insurers.
Although you shouldn’t bank on the worst possible scenario, it’s hardly worth taking a gamble on your travels. So what's stopping you? Compare online to save time, worry and loads of money today!
If you buy a policy for just one reason this is it! Falling ill or being injured while travelling overseas can be extremely costly. Daily hospital costs in the USA can reach up to $10,000, while emergency transport home can easily exceed $100,000!
Disasters can strike, anywhere in the world at any time! Travel insurance covers you for lost deposits and pre-paid travel arrangements for unforeseen circumstances like severe weather, accidents or illness world-wide.
Loss, theft or damage to your luggage and possessions can be a common, yet gut-wrenching experience. If your personal belongings go AWOL on holiday your policy will pay to replace or repair them. Win!
Imagine you are involved in an accident overseas or cause at-fault damage! Have peace of mind that your travel insurance policy will cover you for legal liability - usually up to at least $2 million. Phew!
You’re mid-martini when bad news breaks. Should you need to return home due to a family emergency, you'll often be covered for unforeseen events like injury or illness of a close relative.
Single trip policies cover you for one trip (from one day up to 18 months and can be extended from overseas). Annual multi-trip policies cover you for as many trips as you make over the course of a year (internationally and domestically)
Most insurers have 3 levels of cover to choose from: Basic (often medical cover only), mid-range and comprehensive. You should pick the cover that best suits the type of holiday and activities you have planned. Remember that not all adventure activities are covered automatically.
A good way to find a decent policy is to ask friends and family who they’ve bought from before. Reading past customer reviews is an excellent way to get the inside story - there’s no sugar-coating it!
Just as you might compare flight prices, you can compare insurance policies too. Travel insurance policies vary in price and benefits. A comparison website is an easy way to digest all the information in one place.
Don’t tell porky pies. It’s important to be honest with your insurer when you take out a policy. If you have any pre-existing medical conditions be upfront about them so that you know you’re covered.
If your trip is cancelled or delayed due to unforeseen circumstances, you’ll be covered for any pre-paid expenses. As soon as you’ve booked your holiday, travel insurance should be next on your list!
Travel insurance is a must-have for any holiday, but like any type of insurance it’s important to realise there are cases where you will not be covered. Because holidays don’t always go to plan, it’s a good idea to understand your policy before you head off. Keep reading to learn the most common travel insurance exclusions. You’ll find a full list of general exclusions within your chosen Product Disclosure Statement.
In a nutshell, look after your stuff! Anything you leave out of reach, that isn’t properly supervised, or isn’t safely locked away will be considered unattended and (most probably) won't be covered if you try to claim for it being lost or stolen. E.g. you wouldn’t be covered if you left your phone in the back of a taxi, or on the table in a restaurant. Luggage that is left in a storage room of a hotel once checked out is also considered unattended!
We know that travel is all about new and exciting experiences, but if you deliberately put your life in danger (like jumping off a cliff into the sea) you wouldn't be covered. Injuries or loss when alcohol or drugs have been involved may not be covered either. Not too many piña coladas now!
Hey there adrenaline junkie! Many high risk activities and extreme sports (e.g. American football, boxing, skydiving, competitive cycling , rock climbing, polo and motor sports) are not covered. Always check whether your planned activities are covered before you go jumping out of a plane (for example.)
Does your tour operator sound a bit dodgy ? Travel insurance does not always cover for insolvency of travel agents, tour wholesalers, tour operators or booking agents. Make sure you’re confident in the operater making your travel arrangements.
If you visit a destination or region that Smart Traveller has issued a travel warning for you would not be covered for an incident relating to that warning. This can range from natural disasters, terrorist threats and riots. Similarly, if you are heading to a natural disaster zone or region of civil unrest, you would no longer be able to purchase cover for the events taking place in the media.
Cancellation covers you for transport and accommodation expenses if you experience delays or cancellation of your travel plans because of illness, accidents, or other unforeseen circumstances such as a sudden natural disaster. You can’t just cancel your trip for any reason and be reimbursed. You’re won't be covered if your flight is cancelled due to a mechanical fault, overbooking or airline company closure. This is the airlines responsibility.
Some medical conditions that exist before you travel won’t be covered. But if you do have a pre-existing condition, it’s not to say that you will be travelling without any cover at all. You can still buy a policy that would cover you for all other benefits, and for any unrelated illness or injury to your pre-existing condition would of course still be covered.
A few insurers consider pregnancy a pre-existing condition, so it’s sometimes trickier to get cover in the later stages. Most insurers cover until 26 weeks, but some exclude cover for pregnancy altogether. Find out who offers travel insurance while pregnant.
Travelling in/on a vehicle that you (or the driver) are not licensed to drive is not covered. Riding a motorcycle or scooter in Thailand or Bali is a common one. Make sure you wear a helmet too!
From time to time holidays don’t go to plan... here's some tips to help when it comes to claiming on your travel insurance.
Understand what is covered and what is not, paying particular attention to exclusions and how to make a claim.
Like receipts, bank statements, photographs, photocopies or serial numbers so you can prove ownership of your belongings.
Get letters from your airline of flight delays & cancellations, and medical certificates for hospital stays - all written proof helps to back up your claim.
It is vital that you report any loss, theft or damage to your insurer, the local police, transport provider, or the relevant authority within 24 hours, or asap!
When you buy your policy and disclose any pre-existing conditions. If you lie about your medical history your insurer may deny your claim.
All insurers have telephone numbers to call in an emergency. It is a good idea to keep this number on you, along with your policy details.
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.