With 90 activities automatically covered, our aim is to cover as many activities as possible, so you can be free to enjoy your travels. From trekking the Himalayas, to exploring the depths of the ocean whilst scuba diving, we've got your back. If you're concerned that you may not be covered for what you're planning on, search the PDS (ctrl+F to find specific words) to double check. For instance, we do cover bungee jumping under our One Trip policy but unfortunately we only cover sky diving under our Backpacker policy, that's why it's always best to check.
For a comprehensive list on what is and isn't covered, please see our product disclosure statement.
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.
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. 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.