Online Travel Insurance

Online Travel Insurance

Want simple travel insurance you can buy from the comfort of your lounge room? Online Travel Insurance might be just what you need! Keep reading for all the important details you might need to know about a Travel Insurance Online policy.

About Online Travel Insurance

Online Travel Insurance has been helping Australian’s travel safely for over 10 years, with travel insurance designed to meet every budget. They are underwritten and backed by Allianz Global Assistance, so you can be sure you’re getting the best cover for your next big trip.

Rates and fees verified as correct at 06 December, 2016. Other information correct at the time of writing.

Online Travel Insurance plans

Online Travel Insurance has policies to suit every budget and trip - you can choose from basic or comprehensive cover, or, if you’re a frequent traveller, the multi-trip plan. Beyond this, there are a range of optional extras you can add to your cover, to tailor it to your needs. These include an adventure pack, bicycle pack and snow sports cover. Check out the full list of Online Travel Insurance options below:

  • Events

  • Limits shown apply

  • 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 problems

  • 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

    • Cancellation

    • Per person

    • 0

    • Unlimited

    • Events
    • Pre existing conditions
    • Activities covered
    More info
    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 0

    • $25,000

    • Events
    • $5,000

    • $50,000

    • $5,000

    • $1,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $2,000

    • $2,000

    • $2,000

    • $3,000

    • $5,000

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    More info
  • Events

  • Limits shown apply

  • 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 problems

  • 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

    • Cancellation

    • Per person

    • 0

    • Unlimited

    • Events
    • Pre existing conditions
    • Activities covered
    More info
    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 0

    • $25,000

    • Events
    • $5,000

    • $50,000

    • $5,000

    • $1,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $2,000

    • $2,000

    • $2,000

    • $3,000

    • $5,000

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    More info
  • Events

  • Limits shown apply

  • 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 problems

  • 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

    • Cancellation

    • Per group

    • 0

    • Unlimited

    • Events
    • Pre existing conditions
    • Activities covered
    More info
    • Comprehensive

    • Per group

    • Unlimited

    • Unlimited

    • 0

    • $50,000

    • Events
    • $10,000

    • $100,000

    • $5,000

    • $2,000

    • $10,000

    • $50,000

    • $50,000

    • $20,800

    • $4,000

    • $4,000

    • $4,000

    • $6,000

    • $10,000

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    More info
= Covered = Not covered

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).


Frequently asked questions about Online Travel Insurance

Q1. Who can apply for Online Travel Insurance policies?

To buy a travel insurance policy from Online Travel Insurance, you’ll need to be:

Q2. Are pre-existing medical conditions covered by Online Travel Insurance policies?

Travel insurance is designed to cover unexpected mishaps while you’re away, so pre-existing medical conditions are sometimes not included in your cover. Having said that, Online Travel Insurance policies will cover 43 pre-existing medical conditions, a full list of which are available in your PDS.
These conditions are covered as long as you haven’t been hospitalised for them in the last 24 months. Some of them also have extra criteria you’ll have to meet before being covered - for example, asthma is covered, as long as you have no other lung problems and are under 60 years of age.

If this is something that concerns you, check out our guide to travel insurance for pre-existing medical conditions if you’d like some more information on finding a great travel insurance policy.

Q3. Are any sports included in my Online Travel Insurance policy?

Absolutely! There is a list of around 34 sports and activities which are automatically included in your Online Travel Insurance policy, including ice skating, bungee jumping and hiking.
But if you’re up for an adventure on your holiday and this list won't cut it, you can also opt to add the adventure pack to your cover. For an extra premium, this will add things like abseiling, caving and expeditions to the Kokoda track to the list of activities included in your travel insurance.

Q4. When’s the best time to purchase a travel insurance policy?

Although you can buy an Online Travel Insurance policy up until the day before you leave the country, to get the full benefit of your policy, the best thing to do is buy it as soon as you start booking the rest of your trip. That’s because cover for cancellation begins as soon as you buy your policy, which means that if something unexpected happens and you need to cancel your trip, you can claim any lost deposits on your travel insurance.

Q5. Can I extend my policy while I am travelling?

If you need to extend cover because something unexpected has happened and you can’t get home on time - for example if your flight is cancelled or you have a medical emergency - then Online Travel Insurance will extend your policy automatically and at no extra charge.
If you’d just like to extend because you’re having too much fun, you need to apply for an extension at least 7 days before your original policy runs out. Keep in mind that this extension acts more like a whole new policy - you’ll pay another premium and it won’t include any pre-existing medical conditions that you had to apply for cover of, or any conditions that started during your original trip.

Q6. Is it possible to cancel my Online Travel Insurance policy?

Yes! If you decide you don’t want your Online Travel Insurance policy you can cancel it within the 14 day cooling off period for a full refund, as long as you haven’t started your trip or made any claims on your policy.
After the cooling off period, you can still cancel but you won’t be able to get a refund.

Fine print to look out for in Online Travel Insurance policies

Don’t get wrapped up in the excitement of your overseas adventure and forget to read the fine print of your Online Travel Insurance policy! There are some things you should keep in mind as you travel, to make claiming that much easier if it turns out you have to.
Here are some of the most important pieces of fine print you might have to look out for:

How to make a claim with Online Travel Insurance

If something unfortunate does happen while you’re away, you can at least find peace of mind in the fact that your Online Travel Insurance policy will cover the costs. To put in a claim, download a claims form from the Allianz website, or contact Online Travel Insurance and they can email one to you.
You need to fill out the claims form in as much detail as you can and include all your supporting documents - that way, your claim will be much quicker and easier. If you leave things out, it could mean delays, or even a reduced payment.
Send it all into Allianz via post or email and then all you have to do is wait for your reply, which you should receive within 10 business days. Don’t forget to keep a copy of everything for your own records.

And remember - you need to submit your claim within 30 days of your return home, or it might be denied!

Online Travel Insurance customer reviews

Read how the Mozo community has rated Online Travel Insurance policies and services on a number of factors ranging from value for money to customer satisfaction

Online Travel Insurance travel insurance

Overall 7.3*

Value for money

Trust

12 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Online Travel Insurance travel insurance reviews Recent Online Travel Insurance travel insurance reviews

Online Travel Insurance

Online Travel Insurance travel insurance review

Overall rating   5 / 10

Easy to book.

Okay, not the best or worst.

Full review

Okay, not the best or worst.

    Value for money   5 / 10

    Trust   5 / 10

Less

Lynette (NSW), reviewed about 1 year ago

Online Travel Insurance

Online Travel Insurance travel insurance review

Overall rating   7 / 10

Was good

It was just the cheapest insurance for me, so I took it.

Full review

It was just the cheapest insurance for me, so I took it.

    Value for money   8 / 10

    Trust   6 / 10

Less

Enrico (NSW), reviewed over 1 year ago

Online Travel Insurance

Online Travel Insurance travel insurance review

Overall rating   8 / 10

Great value for great coverage

Had the most comprehensive coverage at the lowest excess, seemed very straightforward and easy to understand.

Full review

Had the most comprehensive coverage at the lowest excess, seemed very straightforward and easy to understand.

    Value for money   7 / 10

    Trust   9 / 10

Less

Marlene (VIC), reviewed about 2 years ago

Online Travel Insurance

Online Travel Insurance travel insurance review

Overall rating   8 / 10

Cover me in the way I needed to be covered

I found the service & application to be fast, easy & reliable.

Full review

I found the service & application to be fast, easy & reliable.

    Value for money   9 / 10

    Trust   8 / 10

Less

Lyn (QLD), reviewed over 2 years ago

Online Travel Insurance

Online Travel Insurance travel insurance review

Overall rating   5 / 10

Great service

I was quite satisified with the service I got from the travel insurance. We were only travelling domestically on P & O we were forced to turn back because of weather. Being a pensioner, it was very important to me to have travel insurance, I...

Full review

I was quite satisified with the service I got from the travel insurance. We were only travelling domestically on P & O we were forced to turn back because of weather. Being a pensioner, it was very important to me to have travel insurance, I would recommend that anyone travelling anywhere should get insurance.

    Value for money   5 / 10

    Trust   6 / 10

Less

Julie (QLD), reviewed over 2 years ago

Hide reviews

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Compare Online Travel Insurance policies with other Australian Insurers

So what are you waiting for? Travel insurance is probably the most important thing you’ll pack when you head off around the world, so take some time now to make sure you get the best deal on offer. But there are so many options - how do you choose? That’s where Mozo’s travel insurance comparison tool comes in. Fill in a few travel details - like where you’re going, how long you’ll be away and who you’re taking with you - and our search engine will give you a comparison of some of the best travel insurance options available. Then all you have to do is pick your favourite!

And once you have a great travel insurance policy in your pocket, head over to our travel hub and load up on money saving tips for your holiday. Be sure to check out our best $20 series which is sure to give you some great ideas for spending a thrifty afternoon abroad.

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