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.
It’s often the last item we think about when headed overseas, but your passport is a top-priority document when travelling abroad. It’s only pocket-sized but a case of theft, loss or damage to your passport can have grave ramifications for you and your fellow holidaymakers.
Recently, more and more stories have been hitting the headlines regarding Australians denied travel due to torn, water-stained or somehow compromised passports. Both immigrations and airlines have been cracking down on the issue leaving travellers vulnerable to huge holiday hiccups. So, does travel insurance cover lost, stolen or damaged passports? We break it down for you below.
Travel insurance may cover the cost to replace your lost or stolen passport, in addition to any related out of pocket expenses. Most insurers will require you to produce a written police report in the event of theft. You will also need to let your insurer know as soon as possible of the theft or loss of your passport.
Generally speaking you would be covered for:
While travel insurance policies may vary, damaged passports may not be covered by travel insurance. A common clause within most travel insurance policies excludes cover for ‘errors, omissions or failure to obtain the relevant visa, passport or travel document.’
While that may sound wordy, it basically means that is your responsibility to care for and ensure that your passport is in order. Most policies will only cover passports that are damaged under certain circumstances, for instance, in a fire or flood at your accommodation. Otherwise, you are obliged to take reasonable care of your belongings and travel documents. Passport tears, marks or water stains would not usually be covered under your policy.
Passport damage can refer to any flaw which renders it invalid, affecting your ability to travel. According to the Australian Passport Office (APO), this can include.
If you are due to travel overseas and have spotted damage to your passport, contact the Australian Passport Office on 131 232.
Depending on the date of your travels, you may have time to be reissued with a new passport (urgent applications can be processed within two business days for an additional fee).
If you are already overseas and suspect your passport is damaged, you may be required to get an emergency passport. Without valid travel documents you may be denied exit or entry by border authorities and even face arrest or jail.
Travellers with damaged passports are advised to contact the nearest Australian embassy or consulate, or phone the 24-hour Consular Emergency Centre in Canberra on +61 2 6261 3305.
Note that not all countries accept emergency passports and you may need an additional visa to cross certain borders.
As a rule, travel insurance does not typically cover the following scenarios:
-Failure to carry your passport with you (unless locked in a safety deposit box)
-Passports stored in the hold when flying or travelling with any public transport provider
-Expired or invalid passports (i.e. with less than six months’ validity to enter the country)
-Failure to renew or obtain a new passport in the required timeframe
While a small amount of ‘wear and tear’ may be acceptable, it’s expected that you should do your best to look after and prevent any major damages to your passport. The following tips may help prevent any passport mishaps:
Natali is a former kids magazine writer whose credits include working for the mouse (Mickey that is). An avid traveller, Natali spent part of her childhood in Israel and enjoyed several stints across the globe. Having worked in travel insurance for three years, Natali likes to simplify the fine-print and help Aussies make sense of their insurance policies. She currently lives in Sydney with her husband and one-year old son.