If you will be travelling a number of times this year, you may want to consider our Annual Multi-trip Travel Insurance product. Depending on your circumstances and needs, this may be the more efficient and affordable option. The Annual Multi-trip policy^ covers you for an unlimited number of trips throughout the year, subject to maximum trip duration options of 30, 45 or 60 days. Please note, our Annual Multi-trip polices^ do not cover domestic travel.

Yes, we do offer cover for Domestic travel under our Domestic policies. If you are travelling on a domestic cruise, please select "Cruise" as your trip type and ‘Domestic” as your destination. 

Please note, there is no medical cover included if you’re within Australia or if your ship is tied to an Australian port.

As Hawaii is a state of the United States you will need to select your destination as "Worldwide including North, Central and South America". This will cover you for travel to, from and throughout Hawaii.

You must select the destination bracket applicable to your area of travel. Our Worldwide Excluding USA, Canada, Mexico, Central & South America and Antarctica provides cover for the 26 countries included within the Schengen Region (as of 2017): Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

Our One Trip policies will offer cover for unlimited hospital, medical and surgical expenses due to unforeseen accident, illness or injury. Please note that our policies only cover return of body

up to $20,000 AUD. In addition, we are unable to increase our limits to suit your specific requirements.

If you are unsure please contact the Embassy or Consulate.

If you are travelling to Europe please select your destination as "Worldwide excluding North, Central and South America". 

If you are travelling to Germany please select your destination as "Worldwide excluding North, Central and South America". 

If you are travelling to Europe, you need to select your destination as “Worldwide excluding North, Central and South America”.

Our policies offer different destination brackets, allowing you some flexibility if your itinerary changes whilst overseas. The destination brackets are as follows:

International trips:

• The South Pacific: American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, New Zealand, Papua New Guinea (Bali and Lombok are included in the Pacific).
• Asia: Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Malaysia, Maldives, Nepal, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand and Vietnam only.
• Worldwide excluding: Worldwide excluding USA, Canada, Mexico, Central & South America and Antarctica.
• Worldwide including: Worldwide including USA, Canada, Mexico, Central & South America.

Cruise specific destinations:

• Pacific: The South Pacific: American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, New Zealand, Papua New Guinea.
• Worldwide*** excluding North and South America and Antarctica: Worldwide excluding USA, Canada, Mexico, Central & South America and Antarctica.
• Worldwide*** including North and South America and Antarctica: Worldwide including USA, Canada, Mexico, Central & South America and Antarctica (cruises only).
• Asia: Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Malaysia, Maldives, Nepal, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand and Vietnam only.
• Domestic: Domestic cruises within Australian Territorial waters or International waters, providing you do not stop at any International port.
• Pacific and Domestic: Cruises that include any Pacific destination, NZ or Bali and docks at any Australian port after departure.
• Asia and Domestic: Cruises that include any Asia destination and docks at any Australian port after departure.

PLEASE NOTE that we do not cover any claims directly or indirectly related to travelling through, from and to the following countries: 

Afghanistan, Belarus, Central African Republic, Congo (Democratic Republic of the), Crimea, Zaporizhzhia, Kherson, Donetsk and Luhansk People's Region, Cuba, Guinea-Bissau, Haiti, Iran (Islamic Republic of), Iraq, Korea (Democratic People's Republic of), Lebanon, Libya, Mali, Myanmar, Russian Federation, Somalia, South Sudan, Sudan, Syrian Arab Republic, Ukraine, Venezuela (Bolivarian Republic of), and Yemen.

Yes, all your personal and payment details are encrypted before they are transmitted so your information is safe from prying eyes. This can be confirmed by the appearance of a padlock icon which can be found either in the address bar or on the status bar of your Internet browser.

Please check you have submitted all your payment details accurately; this includes the full card number, the correct expiry date and the 3-digit security code. This is the last three digits on the back of the card at the end of the signature strip, if you paying with American Express the security code is often the 4-digits on the front of the card.
If you are still having problems processing your payment, please contact us.