🛡️ Comprehensive Travel Insurance
Protect your journey with complete coverage for medical emergencies, trip cancellations, lost luggage, and more. Travel with confidence knowing you're fully protected.
Get Your Free QuoteProtect your journey with complete coverage for medical emergencies, trip cancellations, lost luggage, and more. Travel with confidence knowing you're fully protected.
Get Your Free QuoteGet reimbursed for pre-paid, non-refundable expenses if you need to cancel or cut short your trip due to covered reasons.
Protection for your belongings if they're lost, stolen, damaged, or delayed during your travels, including emergency replacement items.
Round-the-clock support when you need it most, including emergency cash advances, legal assistance, and travel document replacement.
Optional coverage for adventure sports and activities including skiing, scuba diving, bungee jumping, and more exciting pursuits.
Coverage if you accidentally cause injury to someone else or damage their property while traveling, including legal defense costs.
Select the plan that best matches your travel needs and budget. All plans include our core protections with varying coverage limits.
Perfect for budget travelers
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Ultimate protection & peace of mind
We're committed to providing exceptional coverage and support when you need it most.
Recognized for excellence in travel insurance with industry-leading customer satisfaction ratings and comprehensive protection policies.
Get covered immediately with instant online policy delivery. Purchase today and be protected for travel tomorrow.
Best value for comprehensive coverage with no hidden fees. Transparent pricing and flexible payment options available.
Protected wherever you travel with worldwide coverage and support in over 150 countries across all continents.
Simple online claims submission with fast processing times. Most claims approved within 10 business days.
Backed by leading global insurance providers with proven financial stability and decades of travel insurance expertise.
Save these critical numbers before you travel. Our 24/7 emergency assistance team is always ready to help.
For immediate medical assistance, hospital admissions, or emergency evacuation needs.
Available 24/7 in over 40 languages
For general claims questions, policy information, or document submission support.
Mon-Fri 8am-8pm AEST
Access your policy documents, submit claims, or get travel alerts through our portal.
Access anytime, anywhere
Filing a claim is straightforward. Follow these four easy steps to get reimbursed quickly.
Call our 24/7 assistance line as soon as an incident occurs. We'll guide you through immediate actions and document requirements.
Collect all relevant receipts, medical reports, police reports, or other supporting documents for your claim.
Complete the online claim form and upload your documents. Our team will review within 2 business days.
Once approved, receive your reimbursement via direct deposit within 5-10 business days.
Yes, travel insurance is essential for protecting your investment and providing peace of mind. Medical emergencies abroad can cost tens of thousands of dollars, and without insurance, you're personally responsible for all expenses. Trip cancellations due to illness, family emergencies, or other unforeseen events can result in losing all pre-paid, non-refundable costs. Travel insurance also covers lost luggage, travel delays, and provides 24/7 emergency assistance when you're far from home. The small cost of insurance is minimal compared to the potential financial devastation of an uncovered emergency.
Our medical coverage includes hospital stays, surgery, doctor visits, prescription medications, ambulance services, emergency dental treatment, and medical evacuation if necessary. This covers both sudden illnesses and accidents that occur during your trip. Pre-existing medical conditions may be covered with appropriate disclosure and additional premium. Mental health emergencies and COVID-19 related medical treatment are also included in our comprehensive plans. Coverage extends from the moment you leave home until you return, including any stopovers or connecting cities.
Ideally, purchase travel insurance as soon as you book your trip. Many benefits, particularly trip cancellation coverage, only apply if you purchase insurance shortly after making your initial trip deposit (typically within 14-21 days). Early purchase also ensures you're covered if something unexpected happens between booking and departure. However, you can purchase insurance up until the day before departure, though some benefits may be limited. For the most comprehensive protection and best value, we recommend purchasing when you book your flights or accommodation.
Pre-existing conditions can be covered, but require full disclosure during the application process. You must declare all medical conditions, medications, and treatments from the past 12 months. Our underwriters will assess your situation and may offer coverage with or without additional premium. Some stable, well-managed conditions may be covered at no extra cost. Failure to disclose pre-existing conditions can result in claim denial. We recommend being completely honest about your medical history – it's always better to have coverage in place if you need it.
Covered cancellation reasons typically include: serious illness or injury to you, a traveling companion, or immediate family member; death of a family member; natural disasters at your destination; government-issued travel advisories; jury duty; military deployment; home becoming uninhabitable due to fire, flood, or other covered event; and employment termination (if employed for over 1 year). Our Premium plan includes "Cancel For Any Reason" coverage, allowing you to cancel for any reason not otherwise covered and receive 75% reimbursement of prepaid expenses (must be purchased within 14 days of initial deposit).
Yes, our Comprehensive and Premium plans include COVID-19 coverage. This includes medical expenses if you contract COVID-19 while traveling, trip cancellation if you test positive before departure, trip interruption if you must quarantine abroad, and additional accommodation costs if quarantine is required. Emergency medical evacuation due to COVID-19 is also covered. However, coverage only applies if government travel restrictions aren't in place for your destination. If you're traveling to an area with a government "Do Not Travel" advisory, coverage is void. Always check current advisories before booking.
Our Comprehensive and Premium plans automatically cover popular adventure activities including skiing, snowboarding, scuba diving (to 30 meters with certification), snorkeling, parasailing, zip-lining, hot air ballooning, safari tours, bungee jumping, white water rafting (up to grade 4), trekking to 4,000 meters, and many more activities. Extreme sports like base jumping, mountain climbing above 4,000m, professional sports participation, and motorsports require additional coverage. Equipment rental coverage is included for snow sports and diving equipment. Always check your policy schedule for the complete list of covered activities.
Baggage coverage reimburses you for lost, stolen, or damaged personal belongings during your trip. Coverage limits vary by plan ($2,500-$20,000). Single item limits typically apply (e.g., $750 per item). You must report theft to local police within 24 hours and obtain a police report. For airline-lost luggage, file a report with the airline immediately and keep your claim reference. If bags are delayed more than 12 hours, you can purchase essential items (up to the policy limit) and submit receipts for reimbursement. Original receipts are preferred but not always required for items under $100. Keep all receipts and documentation organized.
Yes, policies can be extended if your trip is delayed or you decide to stay longer. Extension requests must be made before your current policy expires and you must still be in good health. You cannot extend coverage if you've already filed a claim or if you're seeking medical treatment. Extensions are subject to approval and additional premium based on your extended travel dates. Contact our team at least 48 hours before your policy expiration to arrange an extension. Some policies have maximum trip duration limits (typically 12 months) that cannot be exceeded.
Required documentation varies by claim type. For medical claims: medical reports, itemized receipts, prescription receipts, and proof of payment. For cancellation claims: booking confirmations, receipts, cancellation invoices, and medical certificates or death certificates (if applicable). For baggage claims: police reports (for theft), airline baggage reports (for lost luggage), repair estimates or replacement receipts, and original purchase receipts if available. For all claims: completed claim form, proof of travel insurance purchase, passport copies, and travel itinerary. Keep copies of everything you submit. The more documentation you provide, the faster your claim will be processed.
Real experiences from travelers who were glad they had coverage when they needed it most.
"I broke my leg skiing in New Zealand and the medical bills were over $35,000. My insurance covered everything including emergency evacuation back to Australia. The 24/7 support team was incredible – they handled everything while I focused on recovery. Best decision I ever made!"
"Our flight to Europe was cancelled due to airline strikes and we lost all our pre-paid accommodation. Travel insurance reimbursed us $8,500 for the cancelled trip and we were able to rebook when things settled down. Without insurance, that would have been a devastating financial loss."
"My luggage was lost for 4 days in Bangkok. Insurance covered emergency clothing and toiletries, plus compensated me for the inconvenience. The claims process was simple – submitted receipts online and got reimbursed within a week. Highly recommend!"
"I contracted COVID-19 two days before my USA trip. My comprehensive insurance covered all the cancellation costs – flights, hotels, car rental, everything. The process was straightforward and I was reimbursed within 10 days. Travel insurance is absolutely essential."
"Had a diving accident in Indonesia that required emergency surgery. The insurance company arranged direct payment to the hospital and organized my medical evacuation home. They saved my life and my family's finances. Can't thank them enough!"
"My mother passed away suddenly while I was overseas. Insurance covered my emergency return flights and reimbursed the unused portion of my trip. During such a difficult time, their compassionate support team made everything so much easier. Forever grateful."
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Unexpected events happen. Make sure you're covered before you go. Get a free quote today and travel with complete peace of mind knowing you're protected.