Cover for your
next great experience

Cover for your next great experience

  • Australians Overseas
    Australians Overseas

    Our insurance is appropriate if you’re an Australian resident overseas and intending to return to Australia on the date your policy ends. There is however, no cover in place for the first 48 hours from the policy start date.

  • Backpacker Travel Insurance
    Backpacker Travel Insurance

    Never mind your age, whether away for a week or a year, we’ve got product options for you. We’ll even provide cover for your non-manual, non-hazardous work and over 130 different sports or activities. So pack your bags and get ready for the trip of a lifetime!

  • Cruise Holidays
    Cruise Holidays

    Going on a cruise? Rest easy knowing your overseas medical costs will be taken care of. We can even cover missed excursions due to illness and our emergency assistance company is on hand to evacuate you to shore in an emergency and if possible. 

  • Families & Groups
    Families & Groups

    Time to finally take that long awaited holiday? Whether travelling as a family, a school excursion or simply a group of friends, choose from a range of affordable travel insurance products for you and your travelling companions.

  • Frequent Travellers
    Frequent Travellers

    Regular jet setter? With insure4Less Annual Multi Trip policies you can save money by travelling unlimited times a year on one single policy. What’s more, we even include 23 days of free snow sports cover.

  • Snow Sports
    Snow Sports

    Don't let an injury dampen your trip! Whether you are snowboarding or simply skiing, make sure you hit the slopes with great travel insurance in place. Simply tell us when you plan to ski and get covered straight away.

  • Student Travel Insurance
    Student Travel Insurance

    Whether on an exchange program, volunteering or taking a gap year, insure4less has a range of budget travel insurance options to protect your adventure. We can even cover students under 18 and travelling alone.

Things we cover

Travel delays

Delays at airports are becoming more and more frequent. Caused by various unavoidable factors including weather, air traffic control, security, cancellations, diversions and late arrivals, delays are frustrating but are also a part of life when travelling. Our travel insurance provides compensation if you are delayed for more than 12 hours.

Overseas medical expenses

This is one of the most important parts of all the best travel insurance policies, so you should ensure that the cover provided will adequately protect you when you need it most. Travel Insuranz not only covers your surgical and hospital costs if you are taken ill or injured but, if it is serious, will also arrange for a friend or family member to be flown over to be with you while you recover.

Missed connections

Are you flying in Australia to catch your international flight? What if your first plane is late and you miss the BIG one?  Our Missed Departure/Connection section pays the extra flight and hotel costs to get you to your destination so you won’t be sitting at the airport wondering what to do next.

Covers evacuations

Sometimes local medical care is not appropriate to treat your illness – our 24/7 medical assistance team will monitor your condition and if necessary will arrange for you to be evacuated to a better medical facility – this can sometimes be in another country or they’ll arrange for you to come back to Australia. Our medical experts take your health as top priority.
 

Epidemics & pandemics

Take a look at other travel insurance providers and you’ll see that most exclude medical claims from an epidemic or pandemic. So for example, if you travelled on a plane and sat next to someone with swine flu, and as a result were taken ill while overseas – you would not be covered. But with Travel Insuranz, you would be covered for your overseas medical costs. Please note that cover is applicable to overseas medical expenses only.

Covers cruises

No extra to pay if you’re going on a cruise. If you are cruising in Australian waters, but want to ensure that you are covered for medical expenses, you should select your area of travel as South Pacific.

Cover for gadgets

No doubt you’ll be taking a few gadgets such as a laptop or phone on your trip. Our plans provide different levels of cover depending on their values. Check this out carefully to ensure you take the most appropriate plan.

Working overseas

Planning on working overseas during your travels? Non-manual jobs such as teaching English as a foreign language, office, bar and restaurant work, even fruit picking is covered. Combine work and travel for the optimum overseas experience.
 

Volunteering overseas

Planning on Volunteering?
Whether to gain some valuable work experience, help others less fortunate than yourself or simply experience a new culture, then it’s important that you have the right travel insurance to support you if things go wrong. Assuming that you are volunteering in a non-manual way such as teaching, then cover is included.

Frequent Flyers points

Paid for your airfares by frequent flyer points such as Qantas, Velocity, Asia Miles etc. and can’t travel because of an illness or an accident? Travel Insuranz will refund you the cash value for these points so you won’t be out of pocket.
 

Covers terrorism

Watch out - Most travel insurers exclude terrorism completely. So you wouldn’t be covered if you had been involved in the recent terrorist attack in Paris and Tunisia. So long as you are not travelling to a country where the Australian Government says ‘do not travel’, then you would be covered for medical expenses. 

Riding scooters / motorbikes

Motorbike – Yes, covered if you have a valid Australian motorbike licence.
Moped/Scooter – Yes, covered if you have a valid Australian drivers licence.
Travel insurance is not motorbike insurance. It covers you for medical expenses if you have an accident.

Hundreds of activities covered free

A huge range of sports and activities - from bungee jumping to zorbing are included at no extra cost. So if the worst should happen and you’re injured, you’ll have peace of mind knowing that you’re covered.

For full details of terms and conditions, sub limits and exclusions that apply, please read the Product Disclosure Statement before purchasing this insurance product.

  • Love this company

    I have used Travel insuranz for all my trips & thankfully I have only ever had to use them once and everything went smoothly, I can’t recommend you enough. Thank you for having my back whilst traveling!

    Kevin
  • My Boyfriend Got His Phone Replaced Quick and Easy!

    My boyfriend got his phone stolen in Barcelona and Travel Insuranz paid him for it quite quickly - within a week or two from memory! Very happy with the service and response. Thanks!

    Sophie
  • Very Cheap but comprehensive enough

    Good value for money. The website was very easy to navigate. I will surely keep an eye on this company for future use and would recommend it to my relatives and friends.

    Jeanette
  • Awesome Company!

    Really good value for money. Amendable snow sports cover periods. Have yet to claim and hope I never have to. All communication with the customer service team arranging cover while Overseas has been exemplary.

    Michael
  • Simple, straightforward policies

    Easy policy to understand and simple process to purchase. This is my second trip with this company, and I won't use anyone else. Customer service is excellent when making a claim. Fast claims resolution.

    Linda
  • Easy as!!!

    Very easy to set up. first time user for a trip in 2020. price is very competitive with excellent cover. Looking forward to travelling and hoping NOT to use our insurance but knowing we have good cover is great peace of mind.

    Tom

Don't Worry. Just Travel.

The team at Travel Insuranz has not only arranged travel insurance for over 2 million travellers but has paid out more than $30 million in claims.

Travel Insuranz is 100% Australian owned and its travel insurance policies are insured by Berkshire Hathaway Specialty Insurance Company which is part of Berkshire Hathaway’s National Indemnity group of insurance companies, providing global strength to give you peace of mind.

In addition to our 14 day money back guarantee, all valid, fully documented claims are guaranteed to be paid within 10 business days.

Making A Claim

Any occurrence or loss, which may give rise to a claim, should be advised immediately to our claims team.

Medical Emergencies

Our emergency service hotline is available 24 hours a day, 365 days a year for assistance with medical emergencies.

Why Choose Travel Insuranz?

  • Covers one-way travel

    Are you travelling overseas but with no plans to return? Most travel insurers require you to hold a return ticket before you can buy their travel insurance. Not us. Simply enter your final destination and you are good to go! 

  • Buy from overseas

    It happens all the time. People forget to take insurance before they leave home, or they have a policy through another insurer which has expired. If you are an Australian resident overseas returning to Australia at the end of the policy period, then our Australians Overseas plan may be for you.

  • Extend from overseas

    Don’t know when you’ll be coming home? No worries – you can always extend your policy from overseas. The cost? The same as it would have been if you had taken that duration before leaving. Compare that with other insurers.

  • Kids under 21 go free with parents

    Take out a single trip family plan and all your accompanying dependents are covered for free. This leaves you with more cash to spend on your holiday and gives you the peace of mind that each child is covered up to the same amount as an adult.

  • Annual multi-trip option

    Travelling more than once this year? Check out our annual multi trip insurance – it offers great value for money and includes 23 days snow sports cover for free. Our Deluxe plan also allows your partner and kids to travel independently of each other and all our plans include cover within Australia. 

  • Choice of plans to suit budget

    Travel Insuranz offers a range of plans to suit every budget. Whether you are venturing on a cycling holiday or simply visiting relatives, make sure you choose the plan that offers benefits that best suit your needs. Because every adventure is unique! Safe travels!

  • Covers groups

    You’ll find it hard to find a more user friendly system for large groups – whether on a school study tour or for guests & family at an overseas wedding or an overseas conference.

  • Kids travelling on their own

    Overseas study and volunteering trips are becoming more common with kids these days. Travel Insurance is a must at any age, but even more so with younger kids who can be prone to mishaps whilst travelling. Send your kids off with the peace of mind that Travel Insuranz has them covered.

  • 14 Day Money Back Guarantee

    If you are not completely satisfied by the policy you have purchased let us know within 14 days and as long as you haven’t started your trip and you don’t have a claim we will refund your premium in full. 

For full details of terms and conditions, sub limits and exclusions that apply, please read the Product Disclosure Statement before purchasing this insurance product.

All FAQs and comparing of travel insurance

How much does a travel insurance policy cost?
Who are the travel insurance Insurers?
Travel Alert: Coronavirus update for policies purchased before 07 March 2020
Travel Alert: Coronavirus update for all policies issued on or after the 7th of March 2020
Taal Volcano Philippines - 15 January 2020
Mount Agung Volcanic activity - Bali

When calculating the cost of your travel insurance, we take a number of factors into account, including:

  • how many travellers there are to be insured;
  • where you are travelling to;
  • how long you are travelling;
  • the level of cover you have chosen;
  • how old you are; and
  • if you have selected any additional cover such as winter sports.

When you get your quote it will show the total price for all the travellers entered when obtaining the quote. You then need to select the level of cover that you want; enter your contact details and those to be insured. As soon as your credit card payment has been processed online, you will receive an email with your certificate.

To get a travel insurance quote please visit www.travelinsuranz.com.au

Travel Insuranz policies are insured by Berkshire Hathaway Specialty Insurance Company which is part of Berkshire Hathaway’s National Indemnity group of insurance companies, providing global strength to give you peace of mind.

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:

  • 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.
  • 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 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. 

For more information on how to submit a claim please click here

 

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

 

 

Published on 18 March 2020

For all policies issued on or after the 7th of 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. 

 

A number of flights have recently been cancelled or postponed as a result of the ash cloud/activity caused by the Taal volcano erupting.

The Philippines Institute of Volcanology and Seismology has raised its alert level to 4 out of 5 — meaning "hazardous explosive eruption is possible within hours to days".

We urge all travellers to remain up-to-date with the latest advice for the Philippines from Smartraveller which you can access here


For policies purchased before 12 January 2020 (AEST) 

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 the Philippines / 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. Classic, Premier, Deluxe and Premier Plus).  Section 8 cover is only available under Premier, Deluxe and Premier 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 hometown or city in Australia is affected by the Taal 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 12 January 2020 (AEST).

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 Taal Volcanic activity/ash cloud under policies purchased on or after 12 January 2020 or trips booked under an Annual Multi Trip policy on or after 12 January 2020.


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 the Product Disclosure Statement
                                                                                                                    
 

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. Classic, Premier and Deluxe).  Section 8 cover is only available under Premier and Deluxe 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

 

 

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