Travel Insurance

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.

If you have any questions, call us on 1300 051 095.

If a COVID-19 border closure or mandatory quarantine period prevents you from travelling, or requires you to shorten your journey while travelling, you may be entitled to cancel your policy and receive a partial or full premium refund; refer to the Product Disclosure Statement for conditions.

If you have any questions or would like to apply for a refund, call us on 1300 051 095.

It’s up to you when you purchase travel insurance, however, keep in mind these three things:

1. You can purchase travel insurance up to 12 months in advance.
2. You must purchase travel insurance before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to commence travel.
3. Depending on the plan you choose you may have trip cancellation cover, which covers unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider purchasing travel insurance as soon as you’ve booked and paid for some or all of your trip as you may be covered for such events before you depart.

Our Multi-Trip Plan offers a high-level of cover for multiple trips to your chosen destinations within a 12-month period. Each individual trip will be limited to 15, 30 or 45 days and is chosen during your quote. This is a summary only. Terms, conditions, limits and exclusions apply; refer to the Product Disclosure Statement.

A general exclusion, sometimes referred to as a policy 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 the General Exclusions in the Product Disclosure Statement.

Call emergency services immediately if your condition is life threatening. Call us on +61 7 3305 7499 (overseas) or 1800 010 075 (within Australia).

If the unexpected happens while on your trip call us as soon as you can, our Australian-based case managers are here for you 24 hours a day, 7 days a week, with registered nurses and doctors available when you need them. They’ll step you through the process and take care of things. If you can’t call us straight away, make sure you keep any documentation that may help with your claim, this could include, receipts, invoices, medical records or police reports, and contact us as soon as you’re able to.