Butter Insurance International Travel Insurance

Important information on terms, conditions and sub-limits

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Considering Butter Travel Insurance for your next adventure? You've come to the right place! We'll break down everything you need to know about their policies, so you can make the best decision for your trip.

Let's dive into the details, including what's covered, the flexible add-ons you can choose, how to make a claim if needed and more.

About Butter Insurance

Butter Travel Insurance is an Australian company looking to shake up the traditional travel insurance scene. Underwritten by Battleface Insurance Services, Butter offers tech-focused travel insurance designed for the way people travel today. 

Their focus is on simple, straightforward policies you can purchase via their app. You can choose the level of cover you need and add options for specific scenarios (like cancellation or medical expenses). Plus it’s easy to manage your policy, get emergency assistance and file claims completely from your phone.

Cover information and limits in the table below verified as correct at 15 June 2024. Other information correct at the time of writing.

Butter Insurance plans

Butter understands that no two trips are the same. That's why they offer highly customisable travel insurance. Start with a base policy covering the essentials and then tailor it to your specific needs. Choose from optional add-ons like snow sports cover, motorcycle cover and rental car cover, and select the coverage levels that best suit your trip.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • International Travel Insurance

    • Per person

    • Unlimited

    • Unlimited

    • $250.00

    • Events
    • Optional extra - up to $40,000

    • Optional extra - up to $10,000, $2,000 per item

    • For medical - unlimited; optional extra for cases of interruption or cancellation or delay.

    • $2,500 airfare reimbursement

    • $50 per day up to $5,000 per traveller

    • Optional extra - up to $50,000

    • Optional extra - up to $50,000

    • Optional extra - up to $5,000

    • Optional extra - up to $5,000

    • Optional extra - up to $6,000

    • Optional extra - up to $2,000 per traveller for alternative accomodation in case of delay

    • Optional extra - up to $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Does Butter Travel Insurance have COVID-19 coverage?

Butter Travel Insurance offers coverage in certain COVID-19 related situations. To fully understand the specific benefits, limitations, and exclusions that apply to your policy, it's essential to carefully review the Product Disclosure Statement (PDS).

What optional extras can I add to my Butter policy?

Butter Travel Insurance is designed around the idea of flexibility. Instead of traditional tiered policy plans, you start with a base policy and then add optional covers to tailor the protection to your specific trip needs. Here are some of the optional extras you can choose from:

Are pre-existing medical conditions covered under Butter Travel Insurance?

Butter has a list of pre-existing medical conditions that it covers automatically. For non-automatically included conditions, you can get a medical assessment and may still be able to take out cover.

Make sure you read your PDS carefully if you're planning to travel with a pre-existing condition.

What do I do if there is an emergency during my trip?

If there's a medical overseas emergency on your trip it's best to immediately contact Butter's 24/7 specialist in-house emergency assistance team called Robin Assist. Contacting Butter as soon as possible helps you get the right paperwork for your claim and makes sure any steps you take are in line with their process.

The Robin Assist emergency contact details are: 

Outside Australia: +61 2 8880 5820 

In Australia: (02) 8880 5820 

Email: help@robinassist.com 

How do I make a claim with Butter Travel Insurance?

If you need to make a claim,you’ll need to log onto underwriter Battleface’s website (www.battleface.com).  To streamline your claim, have the following information ready:

Travel Details 

Medical Emergencies

Lost or Damaged Belongings

Travel Delays/Disruptions

For detailed claim instructions, log into Battleface's website or contact Butter here: 

Outside Australia: +61 2 8880 5820 Phone 

In Australia: (02) 8880 5820 

Email: help@robinassist.com

Butter/Battleface will assess your claim based on the specifics of your situation and your policy's terms and conditions.

Is it possible to cancel my Butter Travel Insurance policy?

Yes, you can cancel your Butter Travel Insurance policy. Here's how it works:

Within the cooling-off period: You have 21 days from the date you purchased your policy to cancel and receive a full refund. This gives you time to review the PDS and ensure the policy suits your needs.

Outside the cooling-off period: If you cancel after the 21-day period, Butter will provide a refund on a pro-rata basis (meaning you'll receive a portion back based on the unused time left on your policy).

Important conditions for refunds (both within and outside the cooling-off period):

Butter aims to process refunds within 15 business days after a cancellation is accepted.

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