Aussietravelcover Insurance

Our verdict: Generally, Aussietravelcover Travel Insurance has fairly high limits compared to other providers, but our quote research found it to be on the more expensive end.

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Nicola Middlemiss

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Aussietravelcover

Our Verdict

Aussietravelcover offers good benefits and has one of the most comprehensive approaches to COVID-19 we’ve seen. However, the dated website doesn’t make for a seamless experience and prices may be a little higher than you expect.

Pros

  • Over 30 pre-existing medical conditions are covered as standard and Aussietravelcover will consider covering others for an additional fee.
  • Aussietravelcover has strong benefits for COVID-19, including medical costs, additional accommodation and cancellation expenses.

Cons

  • There isn’t a lot of information about lodging a claim with Aussietravelcover, which may make the process a little tricker for some travellers.
  • We requested a number of quotes from Aussietravelcover and found policies were on the more expensive end.

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What policies does Aussietravelcover offer?

Aussietravelcover offers four policies - Top Plus International, Basic International, Multi-Journey and Domestic. The insurer of this product is Tokio Marine & Nichido. It comes with a cooling-off period of 21 days and choice of $150 standard excess for international plans.

Here's a breakdown of Aussietravelcover Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

These are some of the main insured events that Aussietravelcover will cover. These benefits apply across all international policies.

  • Overseas medical treatment
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Theft of money
  • Luggage and travel delay
  • Emergency dental costs
  • Kidnap and hijack
  • Personal liability
  • Accidental death

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Optional add-ons

Aussietravelcover also offers three add-ons that provide cover for a wider range of risks.

  • Snow pack. Covers you if you’re injured while on the slopes, plus a range of snow-specific risks like damaged equipment.
  • Cruise pack Convert your policy to cover cruises and get a range of additional cruise-related benefits including cabin confinement and missed ports.
  • Motorcycle, moped and scooter cover.Cover for injuries as a result of driving or riding on a motorcycle, moped and scooter, as long as you meet the requirements.

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Exclusions

Unfortunately, travel insurance doesn’t cover everything. Generally, Aussietravelcover will not pay your claim if it relates to:

  • Unlawful, wreckless or unreasonably unsafe behaviour by you
  • Behaviour while you were drunk or under the influence of drugs
  • Expenses related to a pre-existing medical condition, unless listed on your policy
  • An act of war, invasion or revolution
  • Insolvency of a travel agent, tour operator or accommodation provider
  • Mandatory quarantines or isolations
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications after the 25th week of gestation or if you have had previous pregnancy complications
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the Aussietravelcover PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make an Aussietravelcover claim

Create an account to submit your claim via the Aussietravelcover website. Alternatively, you can call 1300 932 861 or email atcclaims@tmnfatravelinsurance.com.au.

Frequently asked questions

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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 239 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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One Response

    AvatarFinder
    JonathanFebruary 26, 2018Finder

    Hi Marina, thanks for your inquiry!

    This would depend on whether your mother’s travel insurance covers the domestic cruise from Sydney to Moreton Island in Queensland.

    Would it be possible to provide us with the travel insurance policy name and travel insurance policy provider? We’d be happy to look into it for you.

    Best,

    Jonathan

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