Travel Insurance

Protection for unforeseen events while traveling.

Travel insurance covers you for unexpected events and losses when you're on a trip, whether it's overseas or domestic travel. Key coverages include overseas emergency medical expenses (very important abroad, since Medicare won't cover you internationally in most cases), trip cancellation or curtailment costs if you have to cancel or cut short your trip due to unforeseen reasons, and coverage for lost, stolen or damaged baggage and personal belongings. Many policies also cover things like travel delays, personal liability while traveling, and even emergency evacuation or repatriation back to Australia. It's an essential safeguard for travelers to avoid big expenses or hardships from travel mishaps.

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Key Benefits

Overseas Medical Cover

Pays for hospital bills, doctor fees, and even medical evacuation if you get sick or injured abroad. This is crucial, as medical costs overseas (especially in places like the US) can be extremely high, and Australian Medicare won't cover you outside the country.

Trip Cancellation & Interruptions

Reimburses you for prepaid travel costs (flights, hotels, tours) if you have to cancel or shorten your trip due to covered events like serious illness, family emergencies, or natural disasters. This helps you avoid losing money on non-refundable bookings.

Luggage and Belongings Protection

Covers loss, theft, or damage to your baggage and personal items during your trip. If an airline loses your suitcase or your camera gets stolen, travel insurance can pay to replace those items up to the policy limits, reducing the financial pain of such incidents.

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Health Insurance

Covering medical costs and treatments for you and your family.

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Car Insurance

Protect your vehicle and liability on the road.

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Pet Insurance

Health cover for your pets' veterinary needs.

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Frequently Asked Questions

Coverage for pandemics has varied by insurer. Some travel insurance policies now include certain COVID-19 related benefits, such as cover for medical treatment if you catch COVID overseas or trip cancellation if you fall ill. However, many policies might still exclude pandemic-related disruptions or government border closures. It's important to read the policy's COVID-19 cover section carefully before buying.

While the medical coverage is less crucial domestically (since you can use Medicare in Australia), travel insurance can still be useful for domestic travel. It can cover things like cancellation costs, lost or damaged luggage, rental car excess cover, or unforeseen events during a trip. It's not mandatory, but it can provide peace of mind especially for expensive trips or remote area travel.

Not automatically. Many travel insurers require you to declare pre-existing conditions. Some minor conditions might be automatically covered, others you can pay an extra premium to cover, and some serious conditions might be excluded entirely. Always check the policy, declare any medical conditions when applying, and see what coverage or exclusions apply.

High-risk activities are often excluded or may require an extra premium. Common exclusions can include things like skydiving, scuba diving beyond certain depths without certification, mountaineering, or riding motorcycles without a license or helmet. If you plan adventurous activities, look for a policy that covers them or consider adding an adventure sports cover option.

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