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.
Good news for iPhone fans; the latest release promises a longer-lasting battery life in an assortment of bright new colours. Best of all, the new model features an extra durable screen and water-resistant handset. With prices starting at a cool $1,629 (or $1,799 for the Max, wide-screen version) Apple fans keen will need to dig deep for the latest iPhone instalment.
However...those planning to travel with their flash new gadgets may want to consider whether their iPhone, Android or any type of smartphone are actually covered on the go!
Learn more about cover for mobile phones, smartphones and other electronic gadgets in our guide on luggage cover.
These days our phones aren’t optional travel accessories- they’re essential. However, all too often travellers damage or lose their gadgets only to later discover that they aren’t covered. Or they can only claim back half of the phone’s original cost.
Did you know a standard travel insurance policy may not necessarily cover the entire cost to replace your phone, due to single-item cover limits? If your phone is worth upwards of $1,000 you'll need to find a policy with higher per-item limits. Or one that allows you to pay an extra premium to cover your high-value gadgets.
**Click on the crosses for more information**
Insurer | Underwriter | Limit | Conditions | Buy Now |
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Certain underwriters at LLoyd's | $1,000 | ![]() |
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Chubb Insurance Australia Limited | $1,500 (international Ultimate plan) | ![]() |
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Auto and General | $3,000 | ![]() |
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Certain underwriters at LLoyd's | $750 | ![]() |
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Hollard Insurance Company Pty Ltd | $1,000 | ![]() |
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Mitsui Somotomo | $3,000 | ![]() |
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Allianz Australia Insurance Limited |
$1,000 | ![]() |
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Certain underwriters at LLoyd's | $1,000 | ![]() |
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Mitsui Somotomo | $3,000 | ![]() |
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Berkshire Hathaway Specialty Insurance Company | $500 | ![]() |
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Pacific International Insurance Pty Ltd | $250 to $1,000 | ![]() |
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Allianz Australia Insurance Limited |
$1,000 | ![]() |
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Certain underwriters at LLoyd's | $1,000 | ![]() |
Despite some exclusions surrounding phone cover, travel insurance can be a huge asset when travelling with expensive devices. A great benefit is that most comprehensive policies cover the full cost of your phone, regardless of any outstanding contract fees.
Insurers like Zoom Travel Insurance, 1Cover and Budget Direct will pay for the total value of your handset, no matter how much of your contract you’ve paid off. While depreciation may still apply this can still be an invaluable benefit for those who haven’t yet paid off their phone in full.
No IMEI number: Some insurance companies will not pay out a claim relating to a mobile phone (or device with phone capabilities) if you are unable to supply the IMEI (International Mobile Equipment Identity).
Cracked screens: It’s happened to the best of us - an ill-fated fall has cracked our phone screen, or it’s been waterlogged in a bathtub or toilet. While the iPhone XS promises to be indestructible, not all phones can withstand a hard knock or splash. Some insurers have begun restricting cover for phone screen cracks and damages. Many omit cover for damages to mobile phone, laptop, or tablet screens - so make sure you do your research when shopping for insurance.
Leaving iphones behind: Failing to keep a close watch on your iphone may also invalidate your cover. Forgetting your mobile behind in a taxi, hotel room, airplane or from an unlocked car for instance, wouldn’t be covered by most insurance policies given the phone was left unattended.
Checked in items: Most insurers do not cover for damages or loss for items that were checked into the cargo hold of any transport carrier. So make sure you have your phone in your hand luggage.
Unreported items: Most policies will maintain that it is your responsibility to report theft or loss to the relevant authority (and your travel insurance provider) within 24 hours.
Items with no proof of purchase: Without an original receipt to prove your iphone purchase, your claim might be rejected. Something to bear in mind is that photocopied, faxed or scanned documents may not be accepted.
When alcohol or drugs are a contributing factor: If you were under the influence of drugs or alcohol when your smartphone went missing, your claim may not be paid out.
Insurers will usually depreciate the value of any item you claim for, so when taking a brand-new smartphone away on holidays, adding it as a ‘specific high value item’ will limit the impact of depreciation on your phone. Just a few months can drop your phone’s value by as much as 50% so it may be worth spending a little extra to ensure the phone value remains.
Always do your research and see what varying insurers can offer you. When you’ve spent a lot of money on your new exxy iphone it’s worth taking the time to ensure it’s well protected. Compare travel insurance for you and your phone now.
And find the right cover for your holiday.
Our top tips can help you get the best cover!
Make sure you're safe when you travel the globe.
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Read moreHaving pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.
Read moreNot all insurers will cover you automatically if you’re over 22 weeks gestation or have had pregnancy complications. See which companies offer cover for pregnant women.
Read moreHaving 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.
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