Virgin Travel Insurance Review

Virgin Money Australia has expanded its insurance portfolio and now offers comprehensive travel insurance plans for both domestic and international trips to suit a range of needs and budgets.

You can compare the features of various Virgin Travel Insurance policies by using the table below and get a free quote.

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• Who underwrites Virgin Travel Insurance?

  Virgin Australia Airlines Pty Ltd, provider of Virgin Travel Insurance, is an authorised representative of AGA Assistance Australia Pty Ltd t/a Allianz Global Assistance. Travel insurance is underwritten by Allianz Australia Insurance Limited and issued and managed by Allianz Global Assistance.

Summary of Virgin Money's Comprehensive Cover policy

^{Table updated August 2021
*Note: 'Unlimited' means that there's no capped dollar sum insured, however, other conditions and exclusions may still apply.}

What cover options are available from Virgin and what exactly do they provide?

Whether you are a one-off or regular traveller, globetrotting around the world or keeping it local, you may be able to find suitable travel insurance cover with Virgin that you can more closely tailor with a range of extras.

1. International Travel Cover

If you are looking to secure a travel insurance plan for a single overseas trip, Virgin offers different levels of cover available to single travellers and family. For international travel, there are three cover levels that you can choose from:

• Comprehensive
• Essentials
• Basic

How does each level of cover compare with another?

^{Table updated August 2021}

2. Virgin Domestic Travel Insurance

Virgin Travel Insurance also provides comprehensive protection cover for applicants looking to take a trip locally in Australia. Going for a snowy adventure or hitting the golf clubs to practice your tee shot? You can take up additional sports cover to help protect yourself against loss or damage of sports equipment. Domestic cover from Virgin is available as a single or family plan.

What is covered under domestic travel insurance policies?

^{Table updated August 2021}

3. Virgin Multi-Trip Travel Insurance

If you regularly travel overseas or locally, either for work or holiday purposes, you can take advantage of Virgin Multi-Trip insurance that provides cover for unlimited journeys within a 12-month period. Virgin Multi-Trip Travel Insurance cover is available as a single plan. However, if you take your spouse/de facto partner and/or children with you on these trips, they will be covered automatically.

What is covered under multi-trip travel insurance policies?

Benefits of Virgin Multi-Trip Travel Insurance for domestic and international cover include:

Going away for a Ski Trip? Learn more about Ski Travel Cover

Looking for some extra cover for your trip? Additional options you may want to consider

With Virgin Travel Insurance, you have the flexibility to tailor your policy of choice with additional cover options. These options will incur additional premiums:

^{Table updated August 2021}

What are the benefits and what are the drawbacks of Virgin Travel Insurance?

Check if there are any active Virgin Travel Insurance coupon codes

What is the maximum age I can still get travel cover?

^{Table updated August 2021}

If something happens how do I make a claim?

You can make a claim by downloading a claim form and submitting your claim with the appropriate supporting documents

• What documents will I need to provide with my claim?

  Required documents can include:

  • Police reports
  • Valuations
  • Medical reports
  • Original receipts or proof of purchase and ownership

• How long will it take for claim to be processed?

  Claims will generally take 30 days from when you return home to be processed.

FAQs about Virgin

Questions about applying

• Q. Who can purchase Virgin Money Travel Insurance policy?

  • A. You are eligible for cover if:

  • You are an Australian resident.
  • You are taking out cover prior to the start of your journey.
  • Your trip begins and ends in Australia.

• Q. Which age group is eligible for Virgin Travel Insurance cover?

  • A. The age limits will vary depending on type of cover you are looking to apply for:

  • Single Comprehensive and Domestic – 16 years old and over
  • Multi-Trip and Basic – 16 to 74 years old
  • Essentials – 16 to 69 years old

• Q. When should I buy my travel insurance policy?

  • A. You may want to take out Virgin Travel Insurance cover as soon as you put down a deposit or fully paid for your trip, or up to 12 months before your departure date.

• Q. When will my travel insurance cover start?

  • A. Your policy will be active on the date you purchase your cover. You will receive an email confirmation and Certificate of Insurance after application.

Questions about cancelling policies

• Q. Can I cancel my Virgin Travel insurance policy?

  • A. You can cancel your cover within the 14-day cooling off period and you will get a full refund of premiums paid. Conditions apply.

  Questions about coverage

• Q. Will I be covered if I have a pre-existing medical condition?

  • A. Virgin Travel Insurance Australia provides cover for pre-existing conditions specified on the policy. Conditions may apply depending on the nature of the condition.

• Q. Does Virgin Travel Insurance cover one-way trips?

  • A. No. For Australia, Virgin Money Travel Insurance only provides cover for trips that start and end in Australia.

Why choose Virgin for your trip?

• Travel with one of Australia’s largest general insurance providers. Despite being a newcomer to the travel insurance market, Virgin Money Australia is one the nation’s leading financial institutions. Virgin Travel Insurance policies are underwritten by Allianz Australia, one of the largest travel insurance groups in the country.
• Different options to suit many travellers. Virgin Travel Insurance has developed a variety of travel plans with features and benefits to suit different kinds of travellers and their needs. Looking for a basic cover? Virgin Travel Insurance offers Basic or Essentials cover for when you travel abroad. Want top level cover? The Comprehensive cover might be a suitable solution for overseas trips. Domestic travellers can also benefit from two levels of travel cover available through Virgin.
• Tailor your policy to more ideally suit your needs. You can customise your travel protection plan by adding different options to suit your needs. Depending on the type of cover that you opt for, you can choose to add sports cover, get extra cover for your valuables and luggage, or increase your rental vehicle excess.
• 24/7 emergency assistance no matter where you are in the world. With the support from Allianz Global Assistance, you can benefit from global emergency assistance with access to doctors, nurses and support staff; available 24/7 to Virgin Travel Insurance policyholders.
• 14-day cooling off period. Once you have purchased your Virgin Money Travel Insurance policy, you have 14 days to be sure that you have made the right decision. You can cancel your cover within this period and you will receive a full refund as long as you have not commenced your trip or made a claim.
• Cover for 36 pre-existing medical conditions at no extra cost. If you have a pre-existing medical condition, Virgin Travel Insurance provides cover for applicants with any one of the 36 listed on your policy at no extra cost. Virgin may offer full cover as long as you have not been admitted to a hospital for the elected condition in the 24 months prior to your policy’s commencement date. Some of the pre-existing medical conditions that Virgin travel insurance will cover include:

Written by

Jessica Prasida

Publisher

Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification. See full bio