Take a look at some of the main advantages

Some of the things we cover...

  • Travellers aged up to 90
  • Non-Australian residents
  • Most pre-existing medical conditions
  • Unlimited overseas medical expenses
  • Cancelled trips / missed connections
  • Terrorism
  • Cruises / riding scooters / motorbikes
  • Gadgets / frequent flyer points
  • Heaps of sports & activities covered free

Peace of mind...

  • 24/7 medical emergency service
  • World leading insurers
  • Safe & secure website
  • Policy emailed immediately
  • Pay today for travel today
  • Claims paid in just 10 days
  • 14 day money back guarantee

Still more benefits...

  • Covers one way travel
  • Buy from overseas
  • Extend from overseas
  • Annual multi-trip option
  • Choice of plans to suit budget
  • Kids travelling on their own
  • Covers groups
  • Kids under 21 go free with parents
    (If no existing medical conditions)

FAQ

Over the years we have received thousands of travel insurance related questions.
The following shows responses to the most common queries.

  • Travel Alert: Coronavirus update for policies purchased before 07 March 2020

    For all policy holders who purchased their policies before the 7th of March 2020:

    Important information for policyholders relating to Coronavirus as at 18 March 2020

    Effective the 18th of March 2020 the Australian Government advised all Australians not to travel overseas until further notice. The Australian Government also recommends that Australians overseas return to Australia as soon as possible by commercial means.

    Section 1 – Pre-trip Cancellation/Postponement:

    If you purchased your policy prior to the 7th of March 2020, and wish to delay or cancel a trip within 8 weeks of the commencement of the journey, we ask that you take the following steps:

    1. You must take all reasonable steps to limit or reduce your out of pocket expenses and we encourage you to speak with your travel agent/airline, accommodation providers and tour companies to reduce your out of pocket expenses. This includes investigating potential alternative travel arrangements.

    1. After taking these steps we encourage our customers to submit a claim form along with any supporting documentation. Please refer to item 10 below on how to submit a claim.

    If you purchased your policy on or after 7 March 2020, there is no cover for cancellation related to the coronavirus.

    Section 1 - Curtailment during travel:
    If you purchased your policy before the 7th of March 2020, there is cover if you must curtail your trip as a result of a Government regulation preventing your travel and causing you to return to Australia before completion of your trip.

    • Cover is provided for reasonable, additional costs for travel and accommodation to return home, including a proportionate refund of unused and irrecoverable travel bookings and the original value of unused airfares which cannot be used (excluding airfares which you would have paid for to return home).

    • You must take all reasonable steps to limit or reduce your out of pocket expenses and we encourage you to speak with your travel agent/airline, accommodation providers and tour companies to reduce your out of pocket expenses. This includes investigating potential alternative travel arrangements.

    • You can also contact our assistance provider, World Travel Protection who may be able to assist you. World Travel Protection can be contacted on +61 (0) 2 8907 5953.

    If you purchased your policy on or after 7 March 2020, there is no cover for curtailment as a result of the coronavirus.

    Section 2 - Overseas Medical Expenses:
    If you are overseas and need medical assistance, please call World Travel Protection our 24 hour emergency assistance team immediately on +61 (0) 2 8907 5953 or by email at assist@worldtravelprotection.com.au.

     

    General Note:

    Travel insurance provides cover for unforeseen events only and therefore, there is no cover for amendment or cancellation costs for travel to the following regions and / or countries booked after, or for policies purchased after, the following dates as the outbreak of the Coronavirus in each place is no longer deemed an unforeseen event:

    These countries / regions and dates are as follows:

    • before 9.00am (AEST) on 22 January 2020 for travel to/from Hubei province; and
    • before 9.00am (AEST) on 2 February 2020 for travel to/from mainland China.
    • before 9.00am (AEST) on 29 February 2020 for travel to/from mainland Iran
    • before 9.00am (AEST) on 11 March 2020 for travel to/from the region of Lombardy in Italy; and
    • before 9.00am (AEST) on 12 March 2020 for travel to/from the following additional parts of Italy:  the provinces of Modena, Parma, Piacenza, Reggio nell' Emilia, Rimini, Pesaro and Urbino, Alessandria, Asti, Novara, Verbano-Cusio-Ossola, Vercelli, Padova, Treviso, and Venezia
    • before 9.00am (AEST) on 18 March for all international travel following the Australian Government’s advice not to travel

    Claims Information
    ​​In the event of a claim covered by your policy, you must do everything you can to minimise and reduce the cost of the claim (including seeking compensation from any travel service providers), and provide all supporting documentation of the event and expenses incurred. 

    General Note
    No two claims are the same and accordingly, claims are assessed on a case-by-case basis. The advice provided herein is of a general nature. Claims are assessed on their individual merits and are subject to the terms and conditions of the policy wording. 

    Any Questions?
    If you have a question regarding your claim or potential claim, please contact the claims managers Gallagher Bassett on +61 7 3005 1613 or travel@gbtpa.com.au

  • Travel Alert: Coronavirus update for policies purchased on or after 07 March 2020

    Published on 18 March 2020 

    For all policies issued on or after Saturday 07 March 2020:

    On the 7th of January 2020, Chinese authorities confirmed that they had identified a new virus originating out of Wuhan in the Hubei Province. The new virus is a coronavirus which is a family of viruses that include the common cold and viruses such as SARS (Severe Acute Respiratory Syndrome) and MERS (Middle East Respiratory Syndrome).  The World Health Organisation has identified the Caronavirus a public health emergency.  

    Effective the 18th of March 2020 the Australian Government advised all Australians not to travel overseas until further notice. The Australian Government also recommends that Australians overseas return to Australia as soon as possible by commercial means.

    Overseas Medical Expenses 

    If you purchased your policy before the 18th of March 2020 and booked and paid for travel before the 18th of  March 2020:

    • If you incur medical expenses with associated additional expenses as a result of contracting the Coronavirus, there may be cover up to the benefit limit provided.   
    • When assessing cover, our Claims Team will consider DFAT travel advices in place at the time you purchased your policy and where you chose to travel. You can access the DFAT Smart Traveller website for Australian travellers by clicking here 
    • If you are overseas and need medical assistance, please call our 24 hour emergency assistance team immediately on +61 (0) 2 8907 5953 or by email at assist@worldtravelprotection.com.au

    Note: There is no cover for Overseas Medical Expenses claims related to the Caronavirus or any derivative or mutation of such viruses if you purchased your policy or travel bookings on or after the 18th of March 2020 as this is the date the Australian Government issued a nationwide advice not to travel. 

    For Cancellation and other sections of the policy 

    There is no cover for claims related to the Caronavirus or any derivative or mutation of such viruses (or arising directly or indirectly from these) as it relates to Pre-Trip Cancellation or Curtailment, Travel Delay, Hospital Cash and/or to Resume your trip following a medical repatriation.  

    If you decide to change your travel plans, we suggest you talk with your travel agent or transport provider as soon as possible to minimise your out of pocket expenses.  

    Claims Information 
    ​​In the event of a claim covered by your policy, you must do everything you can to minimise and reduce the cost of the claim (including seeking compensation from any travel service providers), and provide all supporting documentation of the event and expenses incurred. 

    No two claims are the same and accordingly, claims are assessed on a case-by-case basis. The advice provided herein is of a general nature. Claims are assessed on their individual merits and are subject to the terms and conditions of the policy wording. 

     

  • Mount Agung Volcanic activity - Bali

    Issued: 29 June 2018

    A number of flights have recently been cancelled or postponed as a result of the ash cloud caused by the Mount Agung volcano erupting again.

    Please note that in accordance with our original notification dated 18 September 2017 (see below), there is cover available for policies issued prior to 2:00pm on 18 September 2017. For policies issued after this time, there is no cover available as the event is not considered unforeseen, as the threat level has never been downgraded and the tremors have been constantly occurring since this date.

    Issued: 2pm on 18th September Sept 2017, AEST

    The volcanic activity at Mount Agung, Bali, Indonesia has increased significantly and the evacuation zone around the volcano has been extended by Indonesian officials. We recommend you regularly check for updates through news agencies and your travel provider.

    For policies purchased up to 2pm (AEST) on 18th September 2017

    In principle advice regarding policy response to claims for cancellation, disruption and delay of scheduled travel arrangements is provided below.

    1.            Disruption experienced pre-departure

    If you have not yet departed on your trip and your outbound flight arrangements are cancelled due to:

    a)a government regulation relating to the Volcanic Ash events which prevents you from travelling as scheduled; or
     

    b)the Australian government issues a Level 4 Do Not Travel warning advising against travel to Indonesia / affected region and which remains in force 14 days prior to scheduled travel;

    Previously, some airlines offered refund vouchers in the event of cancellation due to the ash cloud and in this case, we would recommend you liaise with the airline/s, travel agent/s and associated travel providers to minimise any loss / claim. 

    2.            Disruption experienced post-departure

    Please contact your service provider in the first instance. Airlines, accommodation providers and tour companies may provide refunds, credit notes or alter your bookings without charging additional fees.

    Claims for disruption to scheduled travel arrangements post-departure are for consideration under Section 4 or 8 of the policy.  Section 4 operates under all cover levels (i.e. Essentials, Excel and Excel Plus).  Section 8 cover is only available under Excel and Excel Plus policies. 

    Subject to relevant terms and conditions, Section 4 will respond to compensate the Insured Person for additional accommodation and travel expenses incurred to reach the destination if, due to the failure of public transport, you arrive at a departure point too late to board the public transport on which you are scheduled to travel. 

    Subject to relevant terms and conditions, Section 8 provides monetary compensation to the Insured Person if the public transport on which they are booked to travel is delayed for at least 12 hours.

    All Insured Persons must act as a “prudent uninsured” and proceed on the most economical basis to minimise their loss.  We therefore suggest in the first instance you liaise with airlines and associated travel providers to reschedule travel arrangements / obtain refunds as appropriate.  Some airlines and similar carriers will provide accommodation to passengers whose travel is disrupted due to natural disasters and you should avail yourself of this facility if possible.

    All claims for additional accommodation and travel expenses must be supported by receipts, evidence of your pre-booked travel schedule and actual travel arrangements.

    If you are overseas and your return to your home town or city in Australia is affected by the Mt Agung volcano, your policy will automatically extend until you are able to return on the next available flight. You do not need to contact us to organise this extension.

    For Single Trip and Multi Trip policies purchased on or after 2pm 18th September 2017:

    Insurance serves to provide cover for sudden and unforeseen risks.  It is not possible to insure against known risks and the policy specifically excludes claims resulting from circumstances known at the time of policy purchase or trip booking and which could reasonably be expected to give rise to a claim.

    Accordingly, no cover will be afforded for any claim which relates to the Mt Agung Volcanic activity/ash cloud under policies purchased on or after 2pm 18th September 2017 or trips booked under an Annual Multi Trip policy on or after 2pm 18th September 2017.

    GENERAL NOTE:

    No two claims are the same and accordingly, claims are assessed on a case-by-case basis.  The advice provided herein is of a general nature.  Claims are assessed on their individual merits and are subject to the terms and conditions of the Product Disclosure Statement (PDS) which was provided to you at the time of policy purchase and / or is available for download from this site. 

    Please ensure that you retain / obtain all documentation which you will need to support your claim for disruption to your scheduled travel arrangements and additional costs you incur. 

    Download Product Disclosure Statement