Virgin Travel Insurance Review
Round-the-clock emergency assistance and unlimited cover for trip cancellations are just 2 reasons to choose Virgin Travel Insurance.
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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
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.
| 1. International Travel Cover | 2. Virgin Domestic Travel Insurance | 3. Virgin Multi-Trip Travel Insurance |
|---|
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?
| 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 | |||
| 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 | |||
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 | |
| Additional travel and accommodation expenses | |
| Loss of luggage and personal effects | |
| Rental vehicle excess | |
| 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:
- Overseas emergency medical assistance
- Overseas emergency medical and hospital expenses
- Accidental death
- Permanent disability
- Cancellation fees and lost deposits
- Additional travel and accommodation expenses
- Travel delay expenses
- Alternative transport expenses
- Travel documents, credit card and cheques
- Theft of cash
- Loss of luggage and personal effects
- Luggage and personal effect delay expenses
- Personal liability
- Rental vehicle excess
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:
| 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.
Check if there are any active Virgin Travel Insurance coupon codes
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
FAQs about Virgin
Questions about applying
Questions about cancelling policies
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:
- Asthma
- Cataracts
- Carpal Tunnel Syndrome
- Diabetes Type I and II
- Glaucoma
- Gout
- Hypertension
- Hypothyroidism
- Macular Degeneration
- Tinnitus
More resources on Finder
More guides on Finder
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Virgin Travel Insurance Promo Code
Virgin offers high quality, affordable insurance policies for your travel needs. Discover deals and offers on Virgin Travel Insurance from finder.com.au.
Ask a question
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.