Virgin Money has stopped offering travel insurance. You can use the tools below to search for a different travel insurance policy.
Our Verdict
Virgin Travel Insurance is one of the few providers we found that regularly offers discounts on its products, including for existing customers. Keep an eye out for the latest deals on their website.
This provider offers a flexibility with its travel plans, with 6 cover types including 2 for domestic travel.
We compared 10 leading travel insurance brands and found that Virgin Travel Insurance offered comparatively limited seniors cover, with a maximum age of 74 on some of its policies (correct as of June 2021).
Review by our senior insurance writer James Martin
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.
Compare your travel insurance quotes
Got a quote before?
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
Overseas Medical and Hospital Expenses
Unlimited*
Cancellation and Amendment Fees
As selected
Luggage and Personal Effects
$10,000
Maximum Age Limit
All ages
Table updated August 2021 *Note: 'Unlimited' means that there's no capped dollar sum insured, however, other conditions and exclusions may still apply.
How can this page help me decide if Virgin Money Travel Insurance is right for me?
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.
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?
Benefit
Comprehensive Cover
Essentials Cover
Basic Cover
Overseas emergency medical assistance
Overseas emergency medical and hospital expenses
Accidental death
Permanent disability
Cancellation fees and lost deposits
As selected
Additional travel and accommodation expenses
Travel delay expenses
Alternative transport expenses
Travel documents, credit cards and cheques
Theft of cash
Loss of luggage and personal effects
Luggage and personal effect delay expenses
Personal liability
Rental vehicle excess
As selected
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?
Benefit
Domestic Cover
Cancellation fees and lost deposits
As Selected
Additional travel and accommodation expenses
Loss of luggage and personal effects
Rental vehicle excess
As selected
Accidental death and personal liability
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:
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:
Option
Comprehensive
Essentials
Basic
Domestic
Multi-Trip
Own snow sport equipment
Snow sport equipment hire
Snow sport pack
Piste closure
Bad weather and avalanche closure
Cruise cover
Increased item limits
Standard excess
Table updated August 2021
What are the benefits and what are the drawbacks of Virgin Travel Insurance?
Benefits
24/7/365 Emergency Assistance. Virgin Travel Insurance is underwritten by Allianz who provide emergency assistance with Allianz Global Assistance.
Claims process is quick. With Virgin Money you can access guidance for the travel insurance claims process – you call it up and the claims team can guide you through the claims process.
Cooling off period. Virgin Travel insurance has a 14-day cooling-off period in case you change your mind or travel plans.
Drawbacks
No increased cover for expensive items. You cannot purchase increased cover for jewellery or Snow Sport Equipment.
No one-way policies. Virgin Travel Insurance only covers trips that start and end in Australia.
No already overseas option. You cannot take out cover after you have begun your trip.
Limited seniors cover. Some Virgin Money travel insurance policies have a maximum age of 74 for policyholders.
What is the maximum age I can still get travel cover?
Policy
Age
Comprehensive and Domestic
All ages
Essentials and Basic
74
Annual Multi Trip
74
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
Required documents can include:
Police reports
Valuations
Medical reports
Original receipts or proof of purchase and ownership
Claims will generally take 30 days from when you return home to be processed.
FAQs about Virgin
Questions about applying
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.
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
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.
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
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
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.
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:
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
Virgin offers high quality, affordable insurance policies for your travel needs. Discover deals and offers on Virgin Travel Insurance from finder.com.au.
Do you cover pregnancy? especially premature birth and care of a new born baby afterwards?
I will be 24weeks when going to Hawaii.
Thanks.
Finder
RichardDecember 16, 2014Finder
Hi May,
Thanks for your question. Virgin Travel Insurance only covers for:
“Single uncomplicated Pregnancy, up to and including 23 weeks, not Arising from services or treatment associated with an assisted reproduction program including but not limited to in vitro fertilization (IVF).”
You may find our Travel Insurance for Pregnancy page useful, as it has a wealth of information about the topic and also a list of providers from within our panel that covers travel insurance for pregnant women.
I hope this was helpful,
Richard
MarieSeptember 29, 2014
how do I cancel my policy?
Finder
ShirleySeptember 30, 2014Finder
Hi Marie,
Thanks for your question.
To cancel your policy, please get in touch with Virgin Travel Insurance directly.
Cheers,
Shirley
snowyFebruary 15, 2014
With the sports cover option will be covered with things such as snorkeling or white water rafting
Finder
WilliamFebruary 17, 2014Finder
Hi Snowy,
Thank you for your enquiry. According the Virgin Money Travel Insurance PDS, a benefit will not be paid if;
“Your claim Arises because you dive underwater using an artificial breathing apparatus, unless you hold an open water diving licence issued in Australia or you were diving under licensed instruction.”
There is no mention of if white water rafting will be covered. It would be best to speak with Virgin directly to clarify whether this activity will be covered prior to taking out cover. It may be dependent on the policy that you choose.
Finder always recommends that anyone looking to take out travel cover take the time to read through the product disclosure statement closely and speak to the provider if necessary so that they are absolutely certain when they will and will not be covered.
All the best with your enquiry.
MichaelJanuary 26, 2014
I reside in NZ can I use your services?
Finder
MarcJanuary 28, 2014Finder
Hi Michael,
thanks for the question.
Unfortunately you must be a resident of Australia to be able to apply for this insurance policy. In addition, your journey must start and end in Australia.
I hope this helps,
Marc.
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Do you cover pregnancy? especially premature birth and care of a new born baby afterwards?
I will be 24weeks when going to Hawaii.
Thanks.
Hi May,
Thanks for your question. Virgin Travel Insurance only covers for:
“Single uncomplicated Pregnancy, up to and including 23 weeks, not Arising from services or treatment associated with an assisted reproduction program including but not limited to in vitro fertilization (IVF).”
You may find our Travel Insurance for Pregnancy page useful, as it has a wealth of information about the topic and also a list of providers from within our panel that covers travel insurance for pregnant women.
I hope this was helpful,
Richard
how do I cancel my policy?
Hi Marie,
Thanks for your question.
To cancel your policy, please get in touch with Virgin Travel Insurance directly.
Cheers,
Shirley
With the sports cover option will be covered with things such as snorkeling or white water rafting
Hi Snowy,
Thank you for your enquiry. According the Virgin Money Travel Insurance PDS, a benefit will not be paid if;
“Your claim Arises because you dive underwater using an artificial breathing apparatus, unless you hold an open water diving licence issued in Australia or you were diving under licensed instruction.”
There is no mention of if white water rafting will be covered. It would be best to speak with Virgin directly to clarify whether this activity will be covered prior to taking out cover. It may be dependent on the policy that you choose.
Finder always recommends that anyone looking to take out travel cover take the time to read through the product disclosure statement closely and speak to the provider if necessary so that they are absolutely certain when they will and will not be covered.
All the best with your enquiry.
I reside in NZ can I use your services?
Hi Michael,
thanks for the question.
Unfortunately you must be a resident of Australia to be able to apply for this insurance policy. In addition, your journey must start and end in Australia.
I hope this helps,
Marc.