What is included in an Easy Travel Insurance international policy?
Easy Travel Insurance offers a single-trip and multi-trip travel insurance Premium international policy. With their Medical Only plan, your cover is limited to a single international trip.
Easy Travel Insurance’s international policy has some standard inclusions which you can expect coverage for, in the event the unexpected happens. However, what you’re covered for and the premium you pay may change if you add on any optional extras.
Here’s what you can expect with Easy Travel Insurance’s Premium travel insurance plan:
But remember: check Mozo’s data fields or the Easy Travel Insurance product disclosure statement (PDS) for details on pay-out limits and general exclusions for specific parts of their travel insurance policy across the range.
Amendment or cancellation costs
Personal luggage and travel documents
Delayed luggage allowance
Personal money
Rental car insurance excess
Travel delay
Resumption of journey
Special events cover
Hospital incidentals
Hijacking
Loss of income due to delays
Accidental death and disability
Personal liability
If you opt for the Medical Only plan, you could be covered for:
Does Easy Travel Insurance have COVID-19 cover?
Easy Travel Insurance does cover some COVID-19 related claims. But, like many travel insurance companies, they will not provide cover for COVID-19 related claims if you are travelling to a destination that has a Smartraveller ‘Do Not Travel’ warning in place. With Easy Travel Insurance, there is no coverage if there are government directed border closures, mandatory quarantines, or self-isolation requirements.
It’s important to note that some of the benefits related to COVID-19 only apply to travellers in Australia and New Zealand, and may not apply to those on a multi-night cruise. Always read the PDS to make sure you understand what specific circumstances are required to receive your policy’s benefits.
Overseas medical expenses
Easy Travel Insurance could cover overseas medical costs like:
Emergency medical expenses
Emergency evacuation and repatriation
Quarantine and isolation expenses due to COVID-19 (so long as your destination is not subject to a ‘Do Not Travel’ warning on Smartraveller)
Cancellations or amendments
Easy Travel Insurance provides cover for cancellations and amendments of your trip, if:
Cancelling or changing your travel plans is unavoidable and necessary
You are medically diagnosed with COVID-19 by a qualified professional after the purchase of your policy, but before you depart
If your close relative, who lives in Australia, is diagnosed with a life-threatening case of COVID-19, causing you to miss your trip, after you purchase your policy
You are an essential healthcare worker and your leave is revoked
You catch COVID-19 on your trip and you can’t continue it
What other optional extras can I add to my Easy Travel Insurance policy?
There are a few optional extras you can add to your Easy Travel Insurance policy if you need to tailor your package to the kind of holiday or trip you’re going on. These include snow sports, cruise, and motorcycle and moped riding add-ons.
These add-ons will increase the premium you pay, but without them you may not be covered for anything that happens related to these sorts of activities. Always be sure to check out the PDS to find details regarding limits on cover amounts and general exclusions.
Snow sports cover
Snow insurance cover is vital if you’re hitting the ski fields. If you pay the premium, Easy Travel Insurance includes coverage for:
On-piste skiing
On-piste snowboarding
However, they won’t cover you if you are competing in a professional capacity, if you’re racing, or participating in these activities against local advice or warnings.
An important thing to note is that when it comes to snow sports, you won’t be covered under the personal liability benefit of your policy. This means that you are responsible for costs associated with damage to vehicles or property, or another person’s injury, while participating in snow sports.
Cruise cover
If you are travelling 2 or more nights on a cruise ship, then you may need cruise travel insurance for any cover related to that portion of your journey. However, if you’re not leaving Australian waters (e.g. you’re cruising the Murray River, or doing the Kimberly Cruise) then you won’t need to add cruise insurance to your policy.
Adding cruise cover could insure you for any claims related to a cancelled cruise, travelling on a cruise, or any insured events which occur while you’re on the cruise.
Unfortunately, COVID-19 is not covered if you’re on a multi-night cruise, meaning that you could be liable for any medical expenses if you contract the virus.
Motorcycle and moped riding cover
If you plan on riding a motorcycle or moped on your trip, then purchasing extra cover for these activities can cover you in case something goes wrong.
The engine capacity of your motorcycle or moped is capped at 250cc and you will only receive cover if:
You hold a valid Australian motorcycle or moped licence
If you’re the passenger, the driver holds a valid Australian motorcycle or moped licence
You are wearing a helmet
You’re not participating in a professional capacity
You’re not racing
You’re not participating in motocross
An important thing to note is that when it comes to motorcycle and moped riding, you won’t be covered under the personal liability benefit of your policy. This means that you are responsible for costs associated with damage to vehicles or property, or another person’s injury, while participating in motorcycle and moped riding.
For more information, including conditions and sub-limits, refer to the PDS to make sure it’s the right policy for your business travel needs.
Are pre-existing medical conditions covered under Easy Travel Insurance’s policies?
Easy Travel Insurance provides cover for travelling with pre-existing conditions, however they must be approved after completing a medical health assessment.
There are some pre-existing conditions which are automatically covered under Easy Travel Insurance’s policies, but they may have additional criteria relating to your eligibility. These include, but are not limited to:
If your pre-existing condition isn’t listed among the automatically covered ones, then you may still be able to apply to cover them. This includes automatically included conditions for which you do not meet the eligibility requirements. To get your pre-existing condition covered, you can complete an online health assessment through Easy Travel Insurance.
What exclusions are there to look out for in an Easy Travel Insurance policy?
Unless you have already had your pre-existing medical condition approved for coverage with Easy Travel Insurance, they will not cover you for claims related to a pre-existing medical condition. This includes trip cancellations prior to departure due to your medical condition, and medical expenses incurred.
If the country you are travelling to, or choose to remain in, has a ‘Do Not Travel’ warning issued by the Australian government’s Smartraveller website, then you will not be covered under Easy Travel Insurance’s policies regarding any COVID-19 claims.
A brief list of general exclusions also include claims relating to:
Deliberately putting yourself, or if any covered person puts themself, in danger
Not taking reasonable care to protect your belongings in the case that they are stolen
The consumption of alcohol or drugs
Biological or chemical warfare
The use of a motor vehicle by an unlicensed driver, or not following local safety laws
Any involvement in illegal acts
Always make sure to check the PDS for details relating to general exclusions.
What do I do if there’s an emergency during my trip?
If there’s an emergency during your overseas trip, call Easy Travel Insurance, via Cover-More, on their emergency assistance line. Depending on where you’re calling from, the number will vary. See below for the numbers you can call, toll free.
The emergency assistance line is available 24/7 if you need it. Easy Travel Insurance’s team will be able to help you out with things like finding medical facilities and emergency hospital expenses, among other things. When you call, make sure you have your policy number and a phone number which they can call you back on if need be.
How do I make a claim with Easy Travel Insurance travel insurance?
You can submit your claim online at claims.covermore.com.au, as Cover-More provides the policy through Easy Travel Insurance. To register a claim with Easy Travel Insurance, you will need to have all the relevant documentation to support your claim, like receipts for valuables, or invoices from hospitals and doctors if you incurred medical costs.
Follow the prompts and complete the checklist, then upload your scanned documents to their claims portal.
You can also post your supporting documents to Easy Travel Insurance, via Cover-More. Make sure to make copies of the originals though, in case they get lost along the way. Easy Travel Insurance’s postal address is:
Cover-More Travel Insurance
Claims Department
Private Bag 913
North Sydney NSW 2059
Australia
If you need help submitting your claim, you can call them on:
Easy Travel Insurance will aim to contact you regarding the outcome of your claim within 10 working days.
Is it possible to cancel my Easy Travel Insurance travel insurance policy?
You can cancel your policy and receive a full-refund within 21 days of purchasing it, provided you haven’t started your journey or intend to make a claim. After 21 days, if you still feel like cancelling your policy, you can get a partial refund of the premium you’ve paid, depending on the unexpired period of your cover.
If you would like to cancel, contact Easy Travel Insurance on 1300 72 88 22, or via email at enquiries@covermore.com.au.
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