Travel Insurance

Travel insurance is a way of covering you for a wide range of unexpected and unforseen events when travelling internationally or domestically that could affect your health and/or cost you money. You purchase a policy before your departure date by paying a premium and declaring any relevant information that you’re currently aware of such as pre-existing medical conditions. Then if the unexpected happens, you may call for assistance and claim expenses from the travel insurance provider in accordance with the terms and conditions listed in the Product Disclosure Statement.  

If travelling overseas, travel insurance can be important to cover you for unexpected emergency medical bills, lost or stolen luggage, delays or cancellations to your trip, and many other unfortunate scenarios. Without travel insurance, you could incur some significant expenses. If you’re travelling within Australia, you may wish to consider taking out insurance against domestic flight changes or cancellations, lost or stolen baggage, or car hire excess.

You may purchase a travel insurance policy up to 12 months prior to your departure date.

For single trip cover Cover for Section 2.1 Cancellation Fees & Lost Deposits begins from the issue date shown on your Certificate of Insurance and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier. The cover for all other sections starts at the beginning of your journey or the start date shown on your Certificate of Insurance, whichever occurs later, and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier.

For multi-trip cover Cover for Section 2.1 Cancellation Fees & Lost Deposits begins on the start date shown on your Certificate of Insurance or the date you booked your journey, whichever is the later and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier. The cover for all other sections starts at the beginning of your journey or the start date shown on your Certificate of Insurance, whichever occurs later, and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier.

Please note: The maximum period for any one journey under the Multi-Trip Plan is shown on your Certificate of Insurance. You are not covered for any incident or event that arises outside of the maximum journey period you nominated.

No. Our policies can only be purchased before you commence your journey, while you are still in Australia.

Our travel insurance is designed for the leisure traveller and also business people travelling overseas for business purposes. It is not designed to cover events linked to employment overseas. Please refer to the General Exclusions Applicable to all Sections contained in the PDS. In particular General Exclusions A.7 which excludes claims arising directly or indirectly from, or in any way connected with, you engaging in manual work in conjunction with any profession, business or trade during your journey.

If you return home early, you do not get a refund. If you do not know how long you will be travelling for, you can buy a policy for a specific period you know you will be definitely away. Before your policy expires, you will need to contact us so that your policy can be extended, if possible, for an additional premium. Please note that some policies do not allow extensions. For restrictions and limitations, please refer to the Extension of Cover section in your PDS.

If you click 'Yes' to 'Pre-existing medical condition?', our online pre-existing medical assessment will take you through the process. You can also check the definition of pre-existing medical condition in the PDS to see if you have a pre-existing medical condition. If you are still unsure, please contact us on 13 1000.

It depends on your condition(s), their severity and other related factors. The website will enable you to obtain a quote or alternatively you can contact us on 13 1000 to find out the applicable premium.

If you have already purchased your travel insurance policy, then any new medical condition that arises after that date is not considered a pre-existing medical condition and you would not need to pay an additional premium, subject to the terms, conditions, exclusions and limitations listed in the PDS.