Holiday Rescue Travel Insurance

Our verdict: Holiday Rescue has fairly low benefit limits and only limited cover for COVID-19.

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Nicola Middlemiss

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Holiday Rescue

Pros

  • Holiday Rescue aims to resolve your claim within 2 business days.
  • Holiday Rescue ditches the insurance jargon where possible, making it easy to find answers to any questions you might have.

Cons

  • Personal liability is only covered up to $1 million, while some providers offer up to $10 million.
  • Pregnancy isn't covered after the 20th week. That was the shortest time frame covered of the 21 brands we compared.
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Summary of Holiday Rescue International Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment Fees$50,000
Luggage and Personal Effects$5,000

Table updated October 2023

How does Holiday Rescue Travel Insurance cover COVID-19?

Holiday Rescue offers some cover for claims related to COVID-19. Here's what you can expect:

  • Overseas emergency medical costs if you need treatment for COVID-19
  • Funeral costs or repatriation costs if you die overseas

There are lots of scenarios that are not covered by Holiday Rescue including cancellation or amendment costs related to COVID-19.

Also, if you were diagnosed with COVID-19 before heading on your trip but you went anyway, you won't be covered for any COVID-related overseas medical expenses.

What policies does Holiday Rescue offer?

Holiday Rescues offers three insurance policies to travellers. Comprehensive, Essentials and Domestic.

Passport

Comprehensive

Luggage

Essentials

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Domestic

The insurer of this product is The Hollard Insurance Company Pty Ltd. It comes with a cooling-off period of 14 days and choice of $100 standard excess for international plans.

Here's a breakdown of Holiday Rescue Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

These are some of the main insured events that Holiday Recue will cover. Some of these benefits may only apply to the International Comprehensive policy.

  • Overseas medical treatment
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Theft of cash and bank cards
  • Luggage and travel delay
  • Rental vehicle insurance excess
  • Personal liability
  • Accidental death

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Optional add-ons

Holiday Rescue offers the option to add cruise cover to its travel insurance.

  • Cruise Cover Extends your insurance policy to cover cruises, including medical treatment on-board.

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Exclusions

Unfortunately, travel insurance doesn't cover everything. Generally, Holiday Rescue 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 not 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
  • An act of war, invasion or revolution
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications after the 20th week of gestation
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide

This is not an exhaustive list. Make sure you review the Holiday Rescue PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make a Holiday Rescue Travel Insurance claim

You can lodge a claim online, by filling in Holiday Rescue's online claim form.

Here's the bottom line about Holiday Rescue Travel Insurance

Holiday Rescue positions itself a simple, easy-to-understand travel insurance provider without any of the complicated insurance jargon.

However, we found it was missing key benefits that might be important to some travellers. For example, there's no option to add a snow sports pack, so any claims related to skiing or snowboarding are excluded.

Further, there's no option to add an activity pack, meaning many adventure activities that travellers participate in on holiday aren't covered. This includes indoor or outdoor rock climbing, bungee jumping or parachuting, and riding a motorbike as a driver or passenger - even if you have the appropriate licence.

If you're still not sure about Holiday Rescue, you can compare other travel insurance companies here.

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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 241 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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