Excess is the amount you pay us in the event of a claim being approved. Our excess applies per person, per event, per claim.

You can choose the excess you want ($100, $200, $0), but be aware this will change the price of your initial premium.

Our policies only cover your flight departing and arriving to Australia directly. If your flight is delayed, and you book an alternative flight, we do not cover the cost of your new flight. We do, however, offer some compensation if your fight has been delayed for more than 12 hours in some circumstances. Unfortunately, we do not cover connecting flights.

Our Silver and Gold policies cover your rental car excess up to $4000, but not motorbikes. For a rental car to be covered, you need to make sure that it is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess.

You need to be in Australia at the time of purchasing your insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication in the last five years. Our policies cover many pre-existing conditions; to see if we cover yours, please complete our medical assessment online or over the phone. Please note, failing to declare a pre-existing condition can void your policy.

Our premiums would be astronomical if we could do that! There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our product disclosure statement (or search [ctrl+F] for key words to check limits and exclusions) to see if our product is right for you.

We offer discounts for all people who are members of Seniors. If you are 64 and hold a senior membership card, you may be entitled to a discount with us.

We will reimburse the cost of your necessary additional meals and accommodation expenses up to the amount in your policy, if any individual leg of your trip is delayed for more than 12 hours, as long as you eventually go on the holiday. Sub-limits per 12 hours apply.

Our Silver and Gold policies cover your rental car excess for up to $4,000 and $8,000, respectively ($7,500 for Domestic Gold level), but not for motorbikes. For a rental car to be covered, you need to make sure that it is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess.

Our premiums would be astronomical if we could do that! There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our product disclosure statement to check limits and exclusions) to see if our product is right for you.

We offer discounts for all people who are members of Seniors. If you are 64 and hold a senior membership card, you may be entitled to a discount with us.

We will reimburse the cost of your necessary additional meals and accommodation expenses up to the amount in your policy, if any individual leg of your trip is delayed for more than 12 hours, as long as you eventually go on the holiday. Sub-limits per 12 hours apply.

You can either lodge a claim online or download a claims form from the website and post it to us with all your supporting documents (e.g. receipts, police reports). We aim to give you a response within 10 business days of us receiving your documentation.

Please contact us if you have any questions regarding the claims process.

Claims should be registered within 30 days of completing your travel, or as soon as reasonably practicable.

Our Silver and Gold policies cover your rental car excess for up to $4,000 and $8,000, respectively ($7,500 for Domestic Gold level), but not for motorbikes.

For a rental car to be covered, you need to make sure that it is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess.

Our premiums would be astronomical if we could do that! For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Travel insurance can help manage unexpected costs that may arise during your journey, particularly overseas medical expenses, which can be significant in some countries. It can also assist with other unforeseen events such as trip cancellations, lost or delayed baggage, and travel disruptions due to natural disasters or emergencies, and can offer a layer of financial support when plans change unexpectedly.

The Australian Government or Medicare won’t be able to help you with overseas medical expenses. While Australia has several reciprocal healthcare agreements with other nations, these do not provide financial assistance for medical repatriation back to Australia to receive treatment.

Some countries might ask you for a copy of your insurance before granting travel visa applications. Visit Smart Traveller for country-specific requirements before applying for a visa.

Despite not providing medical coverage within Australia, domestic travel insurance is important for providing you with coverage for situations such as trip cancellation, lost or stolen luggage and personal belongings, trips disrupted by natural disasters, and more.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

We offer discounts for all people who are members of Seniors. If you are 64 and hold a senior membership card, you may be entitled to a discount with us.

We will reimburse the cost of your necessary additional meals and accommodation expenses up to the amount in your policy, if any individual leg of your trip is delayed for more than 12 hours, as long as you eventually go on the holiday. Sub-limits per 12 hours apply.

You can either lodge a claim online or download a claims form from the website and post it to us with all your supporting documents (e.g. receipts, police reports). We aim to give you a response within 10 business days of us receiving your documentation.

Please contact us if you have any questions regarding the claims process.

Claims should be registered within 30 days of completing your travel, or as soon as reasonably practicable.

Our Silver and Gold policies cover your rental car excess for up to $4,000 and $8,000, respectively ($7,500 for Domestic Gold level), but not for motorbikes.

For a rental car to be covered, you need to make sure that it is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess.

Our premiums would be astronomical if we could do that! For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Travel insurance can help manage unexpected costs that may arise during your journey, particularly overseas medical expenses, which can be significant in some countries. It can also assist with other unforeseen events such as trip cancellations, lost or delayed baggage, and travel disruptions due to natural disasters or emergencies, and can offer a layer of financial support when plans change unexpectedly.

The Australian Government or Medicare won’t be able to help you with overseas medical expenses. While Australia has several reciprocal healthcare agreements with other nations, these do not provide financial assistance for medical repatriation back to Australia to receive treatment.

Some countries might ask you for a copy of your insurance before granting travel visa applications. Visit Smartraveller for country-specific requirements before applying for a visa.

Despite not providing medical coverage within Australia, domestic travel insurance is important for providing you with coverage for situations such as trip cancellation, lost or stolen luggage and personal belongings, trips disrupted by natural disasters, and more.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

We offer discounts for all people who are members of Seniors. If you are 64 and hold a senior membership card, you may be entitled to a discount with us.

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication in the last five years. Our policies cover many pre-existing conditions; to see if we cover yours, please complete our medical assessment online or over the phone. Please note, failing to declare a pre-existing condition can void your policy.

Our Silver and Gold policies cover your rental car excess up to $4000. However, you need to make sure that the rental car is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess. Please note, motorbikes are excluded.

Our premiums would be astronomical if we could do that! There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our product disclosure statement (or search [ctrl+F] for key words to check limits and exclusions) to see if our product is right for you.

No. Simply select the trip type that best describes your journey.

With our Silver and Gold policies, we do offer cover for cancelling your trip prior to departure due to the unforeseen accident, illness or injury of one of your parents. Your parents must live in Australia and be in Australia at the time, and this cover does not include any cover for pre-existing medical conditions.

Our policies only cover your flight departing and arriving to Australia directly. If your flight is delayed, and you book an alternative flight, we do not cover the cost of your new flight. We do, however, offer some compensation if your fight has been delayed for more than 12 hours in some circumstances. Unfortunately, we do not cover connecting flights.

We offer discounts for all people who are members of Seniors. If you are 64 and hold a senior membership card, you may be entitled to a discount with us.

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication in the last five years. Our policies cover many pre-existing conditions; to see if we cover yours, please complete our medical assessment online or over the phone. Please note, failing to declare a pre-existing condition can void your policy.

Our Silver and Gold policies cover your rental car excess for up to $4,000 and $8,000, respectively ($7,500 for Domestic Gold level), but not for motorbikes. For a rental car to be covered, you need to make sure that it is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess.

No. Simply select the trip type that best describes your journey.

We will reimburse the cost of your necessary additional meals and accommodation expenses up to the amount in your policy, if any individual leg of your trip is delayed for more than 12 hours, as long as you eventually go on the holiday. Sub-limits per 12 hours apply.

Our premiums would be astronomical if we could do that! There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our product disclosure statement to check limits and exclusions) to see if our product is right for you.