Travel Insurance

Travel insurance is vital to many Australians - whether you need travel insurance for travelling within the country or whether you are going abroad, you'll want to know that you are covered for a range of events, such as lost or stolen luggage, and illness or accident or anything else that could go wrong while you're off on your travels. All of the travel insurance providers below are well established, well trusted companies so take your time when you compare travel insurance policies.You can even find travel insurance cover for things like cancelled travel tickets and anything which happens in an emergency situation. As there are many travel insurance options available, make sure you take the time to look at all policies in as much detail as possible.

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COMPANYPOLICY

POLICY

Health insurance policy

COST

COST

Cost of policy

DEDUCTABLE

DEDUCTABLE

What is deductable from policy

COVER

COVER

Details of cover available

DESTINATION

DESTINATION

Destinations available for cover

DURATION

DURATION

Duration of journey for which you can be covered

LIABILITY

LIABILITY

The amount up to which you can be covered

MEDICAL

MEDICAL

Medical insurance cover

EMERGENCY

EMERGENCY

Emergency medical insurance cover

RESTRICTIONS

RESTRICTIONS

Restrictions for applicant

MORE INFO

Columbus Direct Travel Insurance
Columbus Direct Travel Insurance

Travel InsuranceFrom $52$125 - $250Type

Cover Type

International and domestic


Level

Cover Level

Standard - Premier


Detail

Cover Detail

1. Medical and Other Expenses
2. Cancellation and Curtailment
3. Personal Baggage
4. Personal Money and Documents
5. Delayed Baggage
6. Missed Departure
7. Travel Delay
8. Personal Liability
9. Legal Expenses
10. Abandonment
11. Hijack
12. Catastrophe
13. Collision Damage Waiver Excess

Worldwide: All destinationsUp to 12 months$5 million$12.5 million$12.5 millionRestrictions

Restrictions

There is certain cover for pregnancy under this policy in respect of medical expenses, cancellation and curtailment costs. However there is no cover available under any section of the policy for a pregnancy where any of the following applies:
1. your trip extends beyond the 30th week of pregnancy;
2. where you are travelling against doctorís advice;
3. complications exist with the pregnancy;
4. it is a multiple pregnancy;
5. and/or the pregnancy resulted from assisted reproductive programmes

Columbus Direct Travel Insurance
A specialist in travel insurance, the Columbus Direct brand has been trusted around the world since 1988, providing low cost and specialist travel insurance. Their policies can provide cover for medical expenses, cancellation, personal baggage, money and documents, travel or baggage delay, personal liability, legal expenses, abandonment and more. Please make sure that you read all of their terms and conditions in detail before you apply so that you thoroughly understand what you are purchasing. Click here for more information. DETAIL INFORMATION >>Services

Services

1. Great customer service
2. 24/7 global assistance


Advantages

Advantages

1. Columbus Travel Insurance offers you low prices.
2. A fantastic customer service team are on hand to help you with any concerns or questions. 3. This travel insurer is underwritten by Lloyds.
4. Pay online or over the phone with a card, or via the post with a cheque.
5. Get an online travel insurance quote.
6. Different policies for different needs.
7. A reviews section-see what other Columbus users thought of the service.


Disadvantages

Disadvantages

1. Only available for those who are 84 and under.
2.†No option to remove the excess.
2. You must read product disclosure statement to find out all details.

Simply Travel
Simply Travel

Simply Travel InsuranceFrom $41.90Ask on applicationType

Cover Type

Travel insurance


Level

Cover Level

Comprehensive, Budget, Frequent Traveller


Detail

Cover Detail

Medical,Personal Liability, Cancellation, Belongings

OverseasUp to 12 months$5,000,000UnlimitedUnlimitedRestrictions

Restrictions

Budget and Frequent Traveller plans are only available to persons aged 70 years or younge

Simply Travel
Essential cover for Australians travelling overseas offering various flexible insurance packages for all requirements at good prices. Travel Insurance made simple! Apply now for complete peace of mind for yourselves and your family. If you are a frequent traveller you espouse and kids are included foreign unlimited amount of trips within a year. DETAIL INFORMATION >>Services

Services

Quick online quote, useful travel alerts, medical and vaccination tipps


Advantages

Advantages

1. Variety of policies to choose from
2. Money back guarantee


Disadvantages

Disadvantages

Some plans not available if you are over 70 years old

Downunder Worldwide Travel Insurance
Downunder Worldwide Travel Insurance

Travel InsuranceFrom $25VariesType

Cover Type

Backpacker/Comprehensive/Annual Frequent Traveller


Level

Cover Level

Essentials to Comprehensive


Detail

Cover Detail

Comprehensive
This travel insurance policy is ideal for those travellers, holiday makers, or even backpackers who want a higher level of cover then the Backpakers (International) Plan.
Backpackers
This Backpackers (International) Plan is good for the backpacker or traveller who wants reasonable levels of cover, including cover for their baggage should it get lost or stolen. This plan is provided at competitive rates for travellers or backpackers 65 years of age or under travelling abroad and is most popular with young travellers going overseas on a working holiday.
Annual Frequent Traveller
The Annual Frequent Traveller travel insurance policy is for anyone wanting to take multiple trips of no longer then 37 days for leisure travel or 90 days for business travel duration, over a 12 month period.

Worldwide: All destinationsUp to 12 months$2,000,000UnlimitedUnlimitedRestrictions

Restrictions

1. You must be under 45 at the date your insurance starts. Please note that if you are under 18 reduced cover will apply to certain sections of the policy
2. You must tell Downunder if you plan to take part in any Special Sport or activity as cover may not be available.

Downunder Worldwide Travel Insurance
Downunder Worldwide Travel Insurance offers you great quality cheap travel insurance and van tour insurance since 1992. They offer travel insurance to travellers in Australia and New Zealand. The covers range from basic to highly comprehensive, with affordable policies aimed at backpackers and gap year students. Please make sure that you read all of their terms and conditions in detail before you apply so that you thoroughly understand what you are purchasing. If you have any questions contact their customer support team. DETAIL INFORMATION >>Services

Services

1. 5 different policy types, from Essentials cover right up to Comprehensive cover
2. Your traveller/backpacker policy is specifically designed for young people who are big on adventure. We automatically cover more than 60 hazardous activities at no extra cost
3. Unless your trip will be completed within 1 month of buying this insurance, you have the right to cancel your policy of insurance within 14 days from the date of issue or receipt of your policy terms and conditions, whichever is the later.


Advantages

Advantages

1. Overseas extension facility
2. Overseas application facility
3. 60 Adventure Sports
4. 14 Day Money Back Guarantee
5. A "no excess waiver"
6. 100% secure online purchasing
7. Overseas Work covered
8. You can eliminate the standard policy excesses simply by choosing to take out the very popular 'Excess Waiver.'


Disadvantages

Disadvantages

1. Please check full terms and conditions to see the limitations on cover
2. There are some situations which you are not covered for. These generally involve anything you already know about or that is caused by deliberate or careless acts on your part. Full details of these are given in the policy document

If you wish to speak to someone: Contact Us

Compare Travel Insurance

Planning that dream holiday? Donít forget your Travel Insurance

Why do you need Insurance?

People take out insurance for a variety of reasons. Ultimately you take out insurance to protect yourself against certain risks like theft, damage, accidents and illness. No one can predict the future and what might happen. To protect yourself against financial losses and for the peace of mind which can be priceless, you can protected yourself against the unexpected with insurance.

What is Travel Insurance and should you get it?

You can spend a lot of money on going on holiday. If you donít have the right insurance policy in place your dream vacation can turn into a costly nightmare. The majority of people will have a trouble free experience but things can and do happen. If you want peace of mind then travel insurance is really important.

Not only will you have a policy in place that can be great help if you experience any number of problems while you are away but many insurers offering travel insurance provide 24 hour assistance help lines and language support that can help you whenever you need.

What does travel insurance cover?

Travel insurance can cover you for a range of instances. a href="http://www.whichwaytopay.com.au/admin/ADMINNews/templates/financial-advice-centre-article.asp?articleid=7737">Travel insurance will cover you for most common problems that travellers experience such as travel delays or cancellations, missed departures, lost or stolen items including your luggage, money or passports, medical treatment, repatriation, personal liability and legal expenses.

There are many additional cover options that you can choose from. These can include winter sports cover, terrorist incident cover and cover if your airline or tour operator goes bust.

How much will you pay?

Depending on the level of cover you take out, the price you will pay for the policy will vary. Bear in mind that the cheapest insurance is not necessarily the best because it wonít offer a lot of cover. You need to find a happy medium between the most comprehensive policy for all your requirements and the right price.

Your policy will be more expensive is you have an existing medical condition, are pregnant, have a history of making claims, are over 65 and are taking part in adventurous activities. This is because you are more at risk of having to make a claim.

How to find a Travel Insurance Policy?

In the table above you can easily compare different products against each other and find the policy most suited to you.

The right policy for you will depend on a number of aspects. For example some customers may have particular needs or characteristics that may require special attention from insurers such as those with complex medical histories. You must declare any existing medical conditions you have because you may be unable to make a successful claim if you need to.

Different travel insurance policies cover different things and the risks that are covered will vary from policy to policy. Before signing anything, make sure you know exactly what is covered but more importantly what things you are not covered for.

Travel Insurance - Latest News News and Charts

Peace of mind whilst abroad with Simply Travel Insurance

05 November 2013
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Simply travel insurance can be taken out for single trips or, if you are a frequent traveler for a whole year with an unlimited amount of trips

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03 August 2013
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There are a variety of options available when it comes to travel insurance, which is why it is essential you choose a travel insurance to suit you.

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Buying Travel Insurance in Advance

07 March 2013
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Buying travel insurance can save you a lot of grief when you are away.

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Is Travel Insurance Necessary?

11 July 2012 02:00
Lucy Williams

Travel insurance is essential if you want to be sure that you and your belongings are protected while you are abroad or even travelling within Australia, be it for personal or business reasons.

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