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Online Travel Insurance Reviews

Online travel insurance have been helping Australians in trouble overseas for over 10 years. With 5 levels of cover, from basics through to comprehensive they have a policy to suit every budget. Policies are available to those under 74 years. Dependants travel for free with parent or grandparent. They offer 24/7 emergency assistance no matter where you are in the world. Underwritten by Allianz Australia Insurance Limited.

Overall rating 7.5/10

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Would use again

Review by NatalieScott1978 | 21 July 2014, 17:33 PM | 1 comment

Very happy with the customer service I received from Online travel insurance. I had a lot of question... Read more

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Online Travel Insurance FAQ's

How many people can I include in my policy?

On their website you can only buy a policy for 2 adults and up to 10 children.

Am I covered if I go on a cruise?

Yes, you don’t even need to pick a cruise specific policy.  Here’s a top tip: Even if you’re travelling in Aussie water you still need to pick pacific for destination.

Am I covered for skiing and my equipment?

Yes if you purchase their ski packcover. OTI comprehensive ski pack will cover $2,000 worth of skiing equipment, $1,000 piste closure, $1,000 bad weather closure, and $100,000 emergency rescue

Are kids covered for free?

Yes, that’s right, kids will be covered at no added cost! Dependent children and grandchildren are included for free as long as they are under 21 years of age and not in full time employment.

Can I pay to reduce or cancel my excess?

Yes if you pay an additional premium when you purchase your policy.

What additional extras are there?

You can purchase an adventure pack which covers for abseiling, contact sports, deep sea fishing, sailing, shooting, river tubing, tandem parachuting and more.

Am I covered if my tour company collapses?

Online Travel Insurance doesn’t provide protection from insolvency.

I’m not an Australian resident- can I buy cover?

No – Their policies are only available to travellers who are permanent residents of Australia unless otherwise agreed by them.  

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

OTI will cover you for any engine size you ride as long as you’re insured to do so in Australia. Just make sure you get your International Drivers Permit (IDP) before you leave! You can ride up to 50cc with a valid driver’s license.

How long is their single trip cover for?

12 months.

Can I extend my policy from overseas?

Yes you are covered if you are delayed returning to Australia because your airline, bus or shipping line causes you delays. If you wish to stay on holiday longer, you can extend your policy from overseas but it cannot exceed 12 months in duration.You must contact OTI before your current policy expires.

Do they cover for my rental vehicle excess?

Yes, for up to $3000. You can pay an additional premium to increase this. Cover is only available for campervans/motorhomes that do not exceed 4.5 tonnes, a sedan, coupe, hatchback, station-wagon, SUV, four wheel drive or mini bus/people mover rented from a licensed motor vehicle rental company or agency.

Who underwrites them?

Allianz Insurance Australia.

What's their cooling off period?

14 days

Where are they based?



Under 74
Under 74
45 days
$750 per item limit
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