Our Domestic Travel Insurance provides cover for travel delay expenses, loss of or damage to luggage and personal effects when travelling throughout Australia*. We also provide the ability to select the level of cover for cancellations*.
Learn moreOur Basic Travel Insurance includes cover for overseas emergency assistance and medical/hospital expenses*.
Learn moreComprehensive Travel Insurance provides you with cover for luggage, medical and hospital cover plus 24/7 emergency assistance when travelling internationally, along with the option to select the level of cancellation cover you need*.
Learn moreA 12-month policy that covers multiple business and leisure trips within Australia and overseas, offering all the benefits of Comprehensive cover. The policy covers your longest journey: 15, 30 or 45 days*
Learn moreThe above is a summary only. *Terms, conditions, limits and exclusions apply. Please refer to the Product Disclosure Statement for full details.
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Covers you and your dependants under 25 travelling with you listed on your Certificate of Insurance.
Covers you and your travelling companion listed as covered on your Certificate of Insurance. Duo Cover only covers two people travelling together, it does not provide cover for dependants.
Covers you and eligible members of your family travelling with you who are listed on your Certificate of Insurance. The members of your family who can be included are your spouse or partner, your children or your grandchildren. All children and grandchildren must be your dependants and under 25.
Travel insurance is a way of obtaining cover for yourself for a range of unexpected events that could happen when travelling overseas or in Australia. This may include covering cancellation costs, overseas medical or hospital bills, or the cost of replacing items that were lost or stolen during your trip*.
The level of cover you receive is dependent on the level of cover you select. There is no such thing as ‘one size fits all’ when it comes to travel insurance. Make sure you read the Product Disclosure Statement to see which level of cover is right for you and to ensure that the policy matches your needs.
Without travel insurance, you run the risk of incurring some significant expenses that may take years to pay off.
If you’re travelling overseas, travel insurance is an important consideration for unexpected medical bills and hospitalisation. Other unforeseen expenses could include the replacement of lost or stolen luggage, delays or cancellations to your trip, and many other unfortunate scenarios.
When travelling within Australia, your medical expenses are mostly covered by Medicare or your private health provider. However, you may wish to take out insurance for domestic flight changes or cancellations, lost or stolen baggage, or rental vehicle excess.
Travel insurance may cover you for a range of unexpected events that may affect your trip, such as emergency medical assistance if you become ill or injured while travelling overseas, including arranging your evacuation if needed.
Other incidents that travel insurance may cover include costs due to unexpected delays and cancellations, rental vehicle insurance excess, and personal liability. You also have the option to purchase additional cover for activities such as adventure sports or skiing.
Cover limits vary from insurance provider to insurance provider, as do policy terms, conditions, limits and exclusions, so it’s important to read the Product Disclosure Statement to make sure you fully understand what is covered, the limits applying to the policy, and to ensure the policy is appropriate for your needs.
The length of your travel insurance policy is dependent on the travel dates you supply to the insurance provider. When obtaining a quote, or purchasing a policy, you will be prompted to enter in your departure and return dates – this will be the period of cover for your travel insurance policy.
The period of cover is also shown on your Certificate of Insurance, which is sent to you at the time of purchase. You may want to extend the length of your holiday abroad (and hence require an extension of your period of cover) and you may be able to do this within specified timeframes.
If you think you may travel more than once a year, you may wish to consider a Multi-Trip Policy.
Travel insurance exclusions are the activities, equipment and circumstances that your travel insurance provider will not cover in the event of a claim, meaning that you will be responsible for any costs incurred.
No, you must purchase travel insurance before you have started your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to commence travel.
It’s up to you when you purchase travel insurance, however, keep in mind these three things:
Yes, if you change your mind after you purchase your travel insurance policy, you may cancel it within 14 days of your Certificate of Insurance being issued.
You will be given a full refund of the premium you’ve paid, provided you have not started your journey and do not intend to make a claim or exercise any other right under your policy.
Allianz Comprehensive Travel Insurance, Multi-Trip Policy and Domestic Travel Insurance can provide some cover for lost or delayed luggage and personal effects when travelling – such as suitcases and backpacks including their contents, and articles worn or carried by you including your valuables. You can find out more about what is or is not covered by reading the Product Disclosure Statement.
When considering which travel insurance is right for you, make sure you consider your needs and requirements, as well as your financial situation. Reading the Product Disclosure Statement is a good place to start as it will give you more detail so you can decide if the plan is right for you.
Allianz Travel Insurance offers a number of travel insurance plans – Basic, Comprehensive, Domestic, Non-Medical or Multi-Trip Travel Insurance. You can see more detailed information on our Compare Cover Options page.
A Product Disclosure Statement (PDS) is a document required by the Commonwealth Corporations Act 2001 that contains information that may help you to decide whether a particular insurance product is right for you and help you to compare it with other products you may be considering.
The PDS also describes the cover available and the terms and conditions which apply. The PDS is particularly important if you decide to make a claim, as the travel insurance provider will assess your claim in accordance with the terms and conditions laid out in the PDS. After purchasing travel insurance, please make sure that the PDS, together with the Certificate of Insurance and any other relevant documents sent to you, are kept in a safe place during your trip.
This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.
However, you are covered under selected benefits in this product if, during your period of cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19.
Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
PLEASE NOTE: there is no cover under any benefit of this policy if your claim arises because you did not follow advice or a warning that has been issued by the Australian Government or a reliable mass media source.
If you have any questions call us on 13 1000.
If you are required to shorten your journey while travelling or are prevented from travelling due to a COVID-19 border closure or mandatory quarantine period you may be entitled to receive a partial or full refund on your premium. Please refer to the Supplementary Product Disclosure Statement for further information.
Please note, eligibility criteria applies.
Contact us on 1800 440 806 or email us at TravelHelpdesk@allianz-assistance.com.au
There is no cover under any benefit of this policy if your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian government (when a reconsider your need to travel or do not travel alert is in place), which can be found on Smartraveller ; or which was published in a reliable mass media source. Before purchasing travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).
Please note, this applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.
Tip! Subscribe to Smartraveller to receive travel alerts and advisory updates via email.
Refer to General Exclusions in the Product Disclosure Statement for a full list of exclusions.
If you have any questions call us on 13 1000.
A general exclusion, sometimes referred to as a policy exclusion or exclusion, is an exclusion that applies to all policy benefits, regardless of when the travel insurance policy was purchased.
Should a general exclusion apply, your travel insurance policy will not provide cover for the specified event, activities or circumstances.
Refer to General Exclusions in the Product Disclosure Statement for a full list of exclusions.