What to do if you lose your luggage while travelling overseas
Lots can go wrong overseas, which is where a great travel insurance policy can come in handy. With the right level of coverage, you could be reimbursed for all kinds of mishaps and shenanigans. But when the worst happens, how do you handle it? And how can you get your cover to step in?
Here’s how to deal with one of the most common travel emergencies: lost or stolen luggage.
RELATED: 5 common mistakes to avoid when buying travel insurance
Know your coverage and read the PDS
First thing’s first: make sure you have adequate coverage before you leave. Travel insurance policies come in a variety of tiers and specialisations, so read the product disclosure statement (PDS) thoroughly to make sure it covers all your needs while on holiday. Lost luggage is a pretty common inclusion, especially on comprehensive travel policies, but it’s important to double check.
We’ve also written an in-depth guide on how to file a travel insurance claim for more advice on the general process and how best to prepare.
Without further ado, let’s dive in.
Lost or stolen luggage insurance checklist
When your bags go on holiday without you, it can be a gutting feeling. In a recent Roy Morgan report, an unnamed baggage handler working for Swissport claimed up to one in 10 pieces of baggage on average are either getting lost or not being loaded onto Qantas domestic flights at Sydney airport each day. Like most airport delays these days, it’s due to employees being underpaid, overworked, and forced to cope with the current surge in domestic air travel.
But whether your luggage was lost in transit or stolen, it’s important to get what happened in writing as soon as possible so you have pertinent evidence for filing a claim – if you can’t track your bags down.
If your luggage was lost…
-
Seek help at the nearest desk. Airport staff should be ready to assist if your luggage doesn’t arrive at the carousel. Keep calm, stay polite, and work with them. Most lost bags are found and returned safely to you within 24-72 hours, and being respectful can help make the process smoother. Plus, if you packed your carry-on like a pro, you should be set until then anyway.
-
Keep receipts and get it in writing. If you can, keep any and all records of what happened in case your luggage goes permanently missing. This will help any travel insurance claims down the track.
If your luggage was stolen…
-
File a report. If it’s safe to do so, get in touch with local authorities immediately. Be prepared to give them a detailed description of the bags, what was inside them, and where/how the incident happened. Obtain a copy of the official report for your insurance claim later, whether it comes from the local police or hotel management. Insurance providers will also be interested in whether the bags were unattended or not, since this can impact your claim eligibility. But you were at ‘fault’ for leaving your sunnies by the pool, it’s critical to be as honest and upfront as possible. Nothing undercuts a claim more than insurance fraud.
-
Contact your insurance provider ASAP. If important items like travel money or travel documents were in your lost luggage, it’s vital to get in touch with your provider so they can offer you immediate assistance. Your provider should have their international hotline and 24 hour claims email address available on their website.
-
Report any missing official documents ASAP. Losing your passport can be a serious crime if you don’t immediately report it missing to the Australian Passports Office . Make sure you report other missing documents such as your driver’s licence, too, since this prevents someone stealing your identity.
- Contact your bank and cancel any cards, if relevant. Your bank may also be able to furnish you with some way to access emergency payment methods if you don’t have any backup alternatives.
Your insurance provider will also be able to advise you any extra steps to take before filing a claim. When you get home, any claim you plan to make should be filed within 30 days – and beware the excess.
Preparing for the worst when travelling
We all have travel horror stories, but an ounce of preparation is worth a pound of cure. Especially these days, when flight delays and plagues abound, travel insurance has become an absolute must-have, as essential as your passport. Can you afford to get sick in the USA? How about an unexpected hotel quarantine?
Unless these have become line items in your travel budget, it might be time to compare policies.
For more guides on handling travel emergencies, check out our travel insurance hub. Compare policies in the table below.
Compare travel insurance policies
Important information on terms, conditions and sub-limits.
-
Mozo experts choice awards won:
- Exceptional Value Ski Travel Insurance - 2024
- Exceptional Value Essential Travel Insurance - 2024
- Exceptional Value Comprehensive Travel Insurance - 2024
International Travel Insurance
covid medical cover
Yescovid cancellation cover
Yesoverseas hospital
Unlimitedcancellation cover
$5,000 limit per policy with option to increase limitGet protection in a few simple steps with Freely travel insurance all in the palm of your hand. Freely Travel offers 24/7 emergency and medical support, 24/7 customer service. Plus, you can tailor your policy so you only pay for what you need, and adapt your cover in near real time. Add-ons such as car rental excess, snow sports or other activities also available. Receive 10% off your travel insurance policy with promo code: MOZO10. T&Cs apply, go to site for full detail.
Get protection in a few simple steps with Freely travel insurance all in the palm of your hand. Freely Travel offers 24/7 emergency and medical support, 24/7 customer service. Plus, you can tailor your policy so you only pay for what you need, and adapt your cover in near real time. Add-ons such as car rental excess, snow sports or other activities also available. Receive 10% off your travel insurance policy with promo code: MOZO10. T&Cs apply, go to site for full detail.
- Limits shown apply
- per Person
- Covid medical cover
- true
- Covid cancellation cover
- true
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $250.00
- Cancellation fees
- $5,000 limit per policy with option to increase limit
- Pay extra for no excess
- No
- Luggage and personal effects
- Up to $10,000, maximum $750 per item
- Additional accomodation & travel
- Unlimited
- Emergency companion
- Unlimited
- Resumption of journey
- $2,000
- Hospital cash allowance
- No
- Accidental death
- $25,000
- Permanent disability
- $25,000
- Loss of income
- No
- Credit Card fraud and replacement
- No
- Travellers cheques
- No
- Travel documents
- $1,000
- Rental vehicle excess
- Optional Extra, up to $10,000
- Alternative travel expenses
- $2,000
- Personal liability
- $3,000,000
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
-
Mozo experts choice awards won:
- Exceptional Value Essential Travel Insurance - 2024
Comprehensive
covid medical cover
Yescovid cancellation cover
Nooverseas hospital
Unlimitedcancellation cover
UnlimitedEnjoy unlimited medical cover and 24/7 emergency assistance services when you travel. Get unlimited cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $5,000,000 personal liability cover.
Enjoy unlimited medical cover and 24/7 emergency assistance services when you travel. Get unlimited cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $5,000,000 personal liability cover.
- Limits shown apply
- per Person
- Covid medical cover
- true
- Covid cancellation cover
- false
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $200.00
- Cancellation fees
- Unlimited
- Pay extra for no excess
- No
- Luggage and personal effects
- $7,500
- Additional accomodation & travel
- $50,000
- Emergency companion
- $50,000
- Resumption of journey
- $3,000
- Hospital cash allowance
- $5,000
- Accidental death
- $25,000
- Permanent disability
- $25,000
- Loss of income
- $10,400
- Credit Card fraud and replacement
- $5,000
- Travellers cheques
- $5,000
- Travel documents
- $5,000
- Rental vehicle excess
- Choose $5,000 or $8,000
- Alternative travel expenses
- $5,000
- Personal liability
- $5,000,000
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
-
Mozo experts choice awards won:
- Exceptional Value Essential Travel Insurance - 2024
Comprehensive
covid medical cover
Yescovid cancellation cover
Yesoverseas hospital
Unlimitedcancellation cover
Choose $10,000 to UnlimitedBacked by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.
Backed by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.
- Limits shown apply
- per Person
- Covid medical cover
- true
- Covid cancellation cover
- true
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $250.00
- Cancellation fees
- Choose $10,000 to Unlimited
- Pay extra for no excess
- Yes
- Luggage and personal effects
- $12,000
- Additional accomodation & travel
- Unlimited
- Emergency companion
- $20,000
- Resumption of journey
- $3,000
- Hospital cash allowance
- $8,000
- Accidental death
- $25,000
- Permanent disability
- $12,500
- Loss of income
- $10,000
- Credit Card fraud and replacement
- $3,000
- Travellers cheques
- $3,000
- Travel documents
- $3,000
- Rental vehicle excess
- $5,000
- Alternative travel expenses
- $2,000
- Personal liability
- $2,500,000
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
-
Mozo experts choice awards won:
- Exceptional Value Annual Multi-Trip Travel Insurance - 2024
International Comprehensive Single
covid medical cover
Yescovid cancellation cover
Yesoverseas hospital
Unlimitedcancellation cover
Choose $2,500 to UnlimitedEnjoy the security of single trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents. Be in to win 1 of 5 $1,000 cash prizes! T&Cs Apply. Offer ends 30 September 2023.
Enjoy the security of single trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents. Be in to win 1 of 5 $1,000 cash prizes! T&Cs Apply. Offer ends 30 September 2023.
- Limits shown apply
- per Person
- Covid medical cover
- true
- Covid cancellation cover
- true
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $250.00
- Cancellation fees
- Choose $2,500 to Unlimited
- Pay extra for no excess
- Yes
- Luggage and personal effects
- $25,000
- Additional accomodation & travel
- $50,000
- Emergency companion
- Unlimited
- Resumption of journey
- No
- Hospital cash allowance
- $3,000
- Accidental death
- $50,000
- Permanent disability
- $50,000
- Loss of income
- $6,500
- Credit Card fraud and replacement
- No
- Travellers cheques
- No
- Travel documents
- $1,000
- Rental vehicle excess
- $10,000
- Alternative travel expenses
- Choose $2,500 to Unlimited
- Personal liability
- $1,000,000
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
-
Mozo experts choice awards won:
- Exceptional Quality Travel Insurance - 2024
- Exceptional Value Comprehensive Travel Insurance - 2024
- Travel Insurance Company of the Year - 2024
Top
covid medical cover
Yescovid cancellation cover
Yesoverseas hospital
Unlimitedcancellation cover
UnlimitedBe covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). Limited COVID cover available. Cancellation cover for COVID claims limited to $3,500.
Be covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). Limited COVID cover available. Cancellation cover for COVID claims limited to $3,500.
- Limits shown apply
- per Adult
- Covid medical cover
- true
- Covid cancellation cover
- true
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $200.00
- Cancellation fees
- Unlimited
- Pay extra for no excess
- Yes
- Luggage and personal effects
- $15,000
- Additional accomodation & travel
- Unlimited
- Emergency companion
- Unlimited
- Resumption of journey
- $3,000
- Hospital cash allowance
- $6,000
- Accidental death
- $25,000
- Permanent disability
- $25,000
- Loss of income
- $10,400
- Credit Card fraud and replacement
- $3,000
- Travellers cheques
- $3,000
- Travel documents
- $3,000
- Rental vehicle excess
- $5,000
- Alternative travel expenses
- $5,000
- Personal liability
- $10,000,000 per policy
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
Compare travel insurance policies
Important information on terms, conditions and sub-limits.
-
Mozo experts choice awards won:
- Exceptional Value Ski Travel Insurance - 2024
- Exceptional Value Essential Travel Insurance - 2024
- Exceptional Value Comprehensive Travel Insurance - 2024
International Travel Insurance
covid medical cover
Yescovid cancellation cover
Yesoverseas hospital
Unlimitedcancellation cover
$5,000 limit per policy with option to increase limitGet protection in a few simple steps with Freely travel insurance all in the palm of your hand. Freely Travel offers 24/7 emergency and medical support, 24/7 customer service. Plus, you can tailor your policy so you only pay for what you need, and adapt your cover in near real time. Add-ons such as car rental excess, snow sports or other activities also available. Receive 10% off your travel insurance policy with promo code: MOZO10. T&Cs apply, go to site for full detail.
Get protection in a few simple steps with Freely travel insurance all in the palm of your hand. Freely Travel offers 24/7 emergency and medical support, 24/7 customer service. Plus, you can tailor your policy so you only pay for what you need, and adapt your cover in near real time. Add-ons such as car rental excess, snow sports or other activities also available. Receive 10% off your travel insurance policy with promo code: MOZO10. T&Cs apply, go to site for full detail.
- Limits shown apply
- per Person
- Covid medical cover
- true
- Covid cancellation cover
- true
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $250.00
- Cancellation fees
- $5,000 limit per policy with option to increase limit
- Pay extra for no excess
- No
- Luggage and personal effects
- Up to $10,000, maximum $750 per item
- Additional accomodation & travel
- Unlimited
- Emergency companion
- Unlimited
- Resumption of journey
- $2,000
- Hospital cash allowance
- No
- Accidental death
- $25,000
- Permanent disability
- $25,000
- Loss of income
- No
- Credit Card fraud and replacement
- No
- Travellers cheques
- No
- Travel documents
- $1,000
- Rental vehicle excess
- Optional Extra, up to $10,000
- Alternative travel expenses
- $2,000
- Personal liability
- $3,000,000
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
-
Mozo experts choice awards won:
- Exceptional Value Essential Travel Insurance - 2024
Comprehensive
covid medical cover
Yescovid cancellation cover
Nooverseas hospital
Unlimitedcancellation cover
UnlimitedEnjoy unlimited medical cover and 24/7 emergency assistance services when you travel. Get unlimited cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $5,000,000 personal liability cover.
Enjoy unlimited medical cover and 24/7 emergency assistance services when you travel. Get unlimited cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $5,000,000 personal liability cover.
- Limits shown apply
- per Person
- Covid medical cover
- true
- Covid cancellation cover
- false
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $200.00
- Cancellation fees
- Unlimited
- Pay extra for no excess
- No
- Luggage and personal effects
- $7,500
- Additional accomodation & travel
- $50,000
- Emergency companion
- $50,000
- Resumption of journey
- $3,000
- Hospital cash allowance
- $5,000
- Accidental death
- $25,000
- Permanent disability
- $25,000
- Loss of income
- $10,400
- Credit Card fraud and replacement
- $5,000
- Travellers cheques
- $5,000
- Travel documents
- $5,000
- Rental vehicle excess
- Choose $5,000 or $8,000
- Alternative travel expenses
- $5,000
- Personal liability
- $5,000,000
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
-
Mozo experts choice awards won:
- Exceptional Value Essential Travel Insurance - 2024
Comprehensive
covid medical cover
Yescovid cancellation cover
Yesoverseas hospital
Unlimitedcancellation cover
Choose $10,000 to UnlimitedBacked by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.
Backed by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.
- Limits shown apply
- per Person
- Covid medical cover
- true
- Covid cancellation cover
- true
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $250.00
- Cancellation fees
- Choose $10,000 to Unlimited
- Pay extra for no excess
- Yes
- Luggage and personal effects
- $12,000
- Additional accomodation & travel
- Unlimited
- Emergency companion
- $20,000
- Resumption of journey
- $3,000
- Hospital cash allowance
- $8,000
- Accidental death
- $25,000
- Permanent disability
- $12,500
- Loss of income
- $10,000
- Credit Card fraud and replacement
- $3,000
- Travellers cheques
- $3,000
- Travel documents
- $3,000
- Rental vehicle excess
- $5,000
- Alternative travel expenses
- $2,000
- Personal liability
- $2,500,000
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
-
Mozo experts choice awards won:
- Exceptional Value Annual Multi-Trip Travel Insurance - 2024
International Comprehensive Single
covid medical cover
Yescovid cancellation cover
Yesoverseas hospital
Unlimitedcancellation cover
Choose $2,500 to UnlimitedEnjoy the security of single trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents. Be in to win 1 of 5 $1,000 cash prizes! T&Cs Apply. Offer ends 30 September 2023.
Enjoy the security of single trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents. Be in to win 1 of 5 $1,000 cash prizes! T&Cs Apply. Offer ends 30 September 2023.
- Limits shown apply
- per Person
- Covid medical cover
- true
- Covid cancellation cover
- true
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $250.00
- Cancellation fees
- Choose $2,500 to Unlimited
- Pay extra for no excess
- Yes
- Luggage and personal effects
- $25,000
- Additional accomodation & travel
- $50,000
- Emergency companion
- Unlimited
- Resumption of journey
- No
- Hospital cash allowance
- $3,000
- Accidental death
- $50,000
- Permanent disability
- $50,000
- Loss of income
- $6,500
- Credit Card fraud and replacement
- No
- Travellers cheques
- No
- Travel documents
- $1,000
- Rental vehicle excess
- $10,000
- Alternative travel expenses
- Choose $2,500 to Unlimited
- Personal liability
- $1,000,000
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
-
Mozo experts choice awards won:
- Exceptional Quality Travel Insurance - 2024
- Exceptional Value Comprehensive Travel Insurance - 2024
- Travel Insurance Company of the Year - 2024
Top
covid medical cover
Yescovid cancellation cover
Yesoverseas hospital
Unlimitedcancellation cover
UnlimitedBe covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). Limited COVID cover available. Cancellation cover for COVID claims limited to $3,500.
Be covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). Limited COVID cover available. Cancellation cover for COVID claims limited to $3,500.
- Limits shown apply
- per Adult
- Covid medical cover
- true
- Covid cancellation cover
- true
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $200.00
- Cancellation fees
- Unlimited
- Pay extra for no excess
- Yes
- Luggage and personal effects
- $15,000
- Additional accomodation & travel
- Unlimited
- Emergency companion
- Unlimited
- Resumption of journey
- $3,000
- Hospital cash allowance
- $6,000
- Accidental death
- $25,000
- Permanent disability
- $25,000
- Loss of income
- $10,400
- Credit Card fraud and replacement
- $3,000
- Travellers cheques
- $3,000
- Travel documents
- $3,000
- Rental vehicle excess
- $5,000
- Alternative travel expenses
- $5,000
- Personal liability
- $10,000,000 per policy
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
Compare travel insurance policies
Important information on terms, conditions and sub-limits.
-
Mozo experts choice awards won:
- Exceptional Value Ski Travel Insurance - 2024
- Exceptional Value Essential Travel Insurance - 2024
- Exceptional Value Comprehensive Travel Insurance - 2024
International Travel Insurance
covid medical cover
Yescovid cancellation cover
Yesoverseas hospital
Unlimitedcancellation cover
$5,000 limit per policy with option to increase limitGet protection in a few simple steps with Freely travel insurance all in the palm of your hand. Freely Travel offers 24/7 emergency and medical support, 24/7 customer service. Plus, you can tailor your policy so you only pay for what you need, and adapt your cover in near real time. Add-ons such as car rental excess, snow sports or other activities also available. Receive 10% off your travel insurance policy with promo code: MOZO10. T&Cs apply, go to site for full detail.
Get protection in a few simple steps with Freely travel insurance all in the palm of your hand. Freely Travel offers 24/7 emergency and medical support, 24/7 customer service. Plus, you can tailor your policy so you only pay for what you need, and adapt your cover in near real time. Add-ons such as car rental excess, snow sports or other activities also available. Receive 10% off your travel insurance policy with promo code: MOZO10. T&Cs apply, go to site for full detail.
- Limits shown apply
- per Person
- Covid medical cover
- true
- Covid cancellation cover
- true
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $250.00
- Cancellation fees
- $5,000 limit per policy with option to increase limit
- Pay extra for no excess
- No
- Luggage and personal effects
- Up to $10,000, maximum $750 per item
- Additional accomodation & travel
- Unlimited
- Emergency companion
- Unlimited
- Resumption of journey
- $2,000
- Hospital cash allowance
- No
- Accidental death
- $25,000
- Permanent disability
- $25,000
- Loss of income
- No
- Credit Card fraud and replacement
- No
- Travellers cheques
- No
- Travel documents
- $1,000
- Rental vehicle excess
- Optional Extra, up to $10,000
- Alternative travel expenses
- $2,000
- Personal liability
- $3,000,000
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
-
Mozo experts choice awards won:
- Exceptional Value Essential Travel Insurance - 2024
Comprehensive
covid medical cover
Yescovid cancellation cover
Nooverseas hospital
Unlimitedcancellation cover
UnlimitedEnjoy unlimited medical cover and 24/7 emergency assistance services when you travel. Get unlimited cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $5,000,000 personal liability cover.
Enjoy unlimited medical cover and 24/7 emergency assistance services when you travel. Get unlimited cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $5,000,000 personal liability cover.
- Limits shown apply
- per Person
- Covid medical cover
- true
- Covid cancellation cover
- false
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $200.00
- Cancellation fees
- Unlimited
- Pay extra for no excess
- No
- Luggage and personal effects
- $7,500
- Additional accomodation & travel
- $50,000
- Emergency companion
- $50,000
- Resumption of journey
- $3,000
- Hospital cash allowance
- $5,000
- Accidental death
- $25,000
- Permanent disability
- $25,000
- Loss of income
- $10,400
- Credit Card fraud and replacement
- $5,000
- Travellers cheques
- $5,000
- Travel documents
- $5,000
- Rental vehicle excess
- Choose $5,000 or $8,000
- Alternative travel expenses
- $5,000
- Personal liability
- $5,000,000
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
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Mozo experts choice awards won:
- Exceptional Value Essential Travel Insurance - 2024
Comprehensive
covid medical cover
Yescovid cancellation cover
Yesoverseas hospital
Unlimitedcancellation cover
Choose $10,000 to UnlimitedBacked by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.
Backed by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.
- Limits shown apply
- per Person
- Covid medical cover
- true
- Covid cancellation cover
- true
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $250.00
- Cancellation fees
- Choose $10,000 to Unlimited
- Pay extra for no excess
- Yes
- Luggage and personal effects
- $12,000
- Additional accomodation & travel
- Unlimited
- Emergency companion
- $20,000
- Resumption of journey
- $3,000
- Hospital cash allowance
- $8,000
- Accidental death
- $25,000
- Permanent disability
- $12,500
- Loss of income
- $10,000
- Credit Card fraud and replacement
- $3,000
- Travellers cheques
- $3,000
- Travel documents
- $3,000
- Rental vehicle excess
- $5,000
- Alternative travel expenses
- $2,000
- Personal liability
- $2,500,000
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
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Mozo experts choice awards won:
- Exceptional Value Annual Multi-Trip Travel Insurance - 2024
International Comprehensive Single
covid medical cover
Yescovid cancellation cover
Yesoverseas hospital
Unlimitedcancellation cover
Choose $2,500 to UnlimitedEnjoy the security of single trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents. Be in to win 1 of 5 $1,000 cash prizes! T&Cs Apply. Offer ends 30 September 2023.
Enjoy the security of single trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents. Be in to win 1 of 5 $1,000 cash prizes! T&Cs Apply. Offer ends 30 September 2023.
- Limits shown apply
- per Person
- Covid medical cover
- true
- Covid cancellation cover
- true
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $250.00
- Cancellation fees
- Choose $2,500 to Unlimited
- Pay extra for no excess
- Yes
- Luggage and personal effects
- $25,000
- Additional accomodation & travel
- $50,000
- Emergency companion
- Unlimited
- Resumption of journey
- No
- Hospital cash allowance
- $3,000
- Accidental death
- $50,000
- Permanent disability
- $50,000
- Loss of income
- $6,500
- Credit Card fraud and replacement
- No
- Travellers cheques
- No
- Travel documents
- $1,000
- Rental vehicle excess
- $10,000
- Alternative travel expenses
- Choose $2,500 to Unlimited
- Personal liability
- $1,000,000
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
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Mozo experts choice awards won:
- Exceptional Quality Travel Insurance - 2024
- Exceptional Value Comprehensive Travel Insurance - 2024
- Travel Insurance Company of the Year - 2024
Top
covid medical cover
Yescovid cancellation cover
Yesoverseas hospital
Unlimitedcancellation cover
UnlimitedBe covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). Limited COVID cover available. Cancellation cover for COVID claims limited to $3,500.
Be covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). Limited COVID cover available. Cancellation cover for COVID claims limited to $3,500.
- Limits shown apply
- per Adult
- Covid medical cover
- true
- Covid cancellation cover
- true
- Overseas emergency hospital expense
- Unlimited
- Overseas emergency medical assistance
- Unlimited
- Maximum excess
- $200.00
- Cancellation fees
- Unlimited
- Pay extra for no excess
- Yes
- Luggage and personal effects
- $15,000
- Additional accomodation & travel
- Unlimited
- Emergency companion
- Unlimited
- Resumption of journey
- $3,000
- Hospital cash allowance
- $6,000
- Accidental death
- $25,000
- Permanent disability
- $25,000
- Loss of income
- $10,400
- Credit Card fraud and replacement
- $3,000
- Travellers cheques
- $3,000
- Travel documents
- $3,000
- Rental vehicle excess
- $5,000
- Alternative travel expenses
- $5,000
- Personal liability
- $10,000,000 per policy
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.
To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.
^See information about the Mozo Experts Choice Travel Insurance Awards
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.