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Whilst the original cover failed to cover me properly for a rental care ERI claim, they eventually paid up after they were forced to by the ACCC - five years later. SO a win I think?
Whilst the original cover failed to cover me properly for a rental care ERI claim, they eventually paid up after they were forced to by the ACCC - five years later. SO a win I think?
Nick, Queensland, reviewed 11 days ago
I was in Hanoi and just begun my trip and on the 17th of March, our travel company advised ceasing operations next day so I took their advice and had them arrange a flight home. Lodged claim mid April and was refused till late July. Entered review...
I was in Hanoi and just begun my trip and on the 17th of March, our travel company advised ceasing operations next day so I took their advice and had them arrange a flight home. Lodged claim mid April and was refused till late July. Entered review on another forum - received an email soon after from Iandgoshoveit stating they were reconsidering my claim and If i would send all relevant documents AGAIN. Did so and late October was advised claim unsuccessful. Surprise Surprise. They string you along as much as they can with apologies and excuses but I'm sure there was never any intention of paying.
Andrew, New South Wales, reviewed 27 days ago
Great cover for the price - includes coverage for epidemic (coronavirus) disasters which most others don't. Claims process wasn't very straightforward, but good customer service.
Great cover for the price - includes coverage for epidemic (coronavirus) disasters which most others don't. Claims process wasn't very straightforward, but good customer service.
Kate, Queensland, reviewed about 1 month ago
Good value for money and an easy transaction.
Good value for money and an easy transaction.
Charlotte, New South Wales, reviewed about 1 month ago
My phone was shattered when I was overseas and when I came back to Sydney I made a claim. It was so quick and easy and I received the full claim made without any hassle. Very impressed, would definitely get travel insurance with Allianz again.
My phone was shattered when I was overseas and when I came back to Sydney I made a claim. It was so quick and easy and I received the full claim made without any hassle. Very impressed, would definitely get travel insurance with Allianz again.
Aish, New South Wales, reviewed about 2 months ago
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.
Thursday 19 November 2020
After the utter mayhem that ensued when borders closed and travellers scrambled to get refunds on flights, research shows that 60% of Aussies have become disenchanted with travel insurance*. Read more...Tuesday 11 August 2020
As a direct result of the Covid-19 pandemic, the Australian travel insurance industry has seen a sharp decline in growth, a new report from GlobalData finds. Read more...Tuesday 07 July 2020
Mozo’s latest report has found that Covid-19’s impact on travel remains a top concern for many Australians. Some would-be holidaymakers are still reeling after losing significant funds because of cancellations, while others are already planning post-isolation holidays. Read more...Thursday 12 March 2020
From the nationwide devastation caused by the Australian bushfire emergency to a global state of panic struck by the current coronavirus outbreak, 2020 is off to a very grim start. Read more...Wednesday 29 January 2020
From sailing the high seas with the family to taking a solo trip around Europe, no Aussie travels the same. But if there’s one common interest most travellers share, it’s taking out travel insurance before kick starting their holiday. Read more...Looking for a quote for your next trip? Our quick tips and tools can help you find the best quotes based on your travel plans. Compare the different insurance providers and policies on the Mozo website before your next holiday and protect yourself from that unplanned expense.
All travel insurance providers listed on our website will have number of pre-existing conditions that they cover and then ones that they don’t. After you fill in your travel details and land on the results page, you will see a selection box listing the most common pre-existing conditions. Once you have selected your condition, you will see a revised list of results to choose from.
While most insurers cover diseases such as asthma or diabetes, they may have some restrictions such as requiring you to be under 65 years of age and able to demonstrate a stable medical history for these conditions. But they might not cover conditions such as cancer or psychological illnesses at all. Or, you might have to pay an extra premium. So it is important that once you select an insurer you mention your pre-existing medical history and find out for sure what you can be covered for.
Most insurance providers don’t charge any fee for children below the age of 18 years, travelling with their parents or grandparents. Family travel insurance turns out to be cheaper than individual insurance for both single as well as multi-trip insurance policies. But you have to mention the travel details for all travellers, regardless of age, at the time of buying your policy.
Most insurance providers treat pregnancy as a pre-existing medical condition. So to find policies covering pregnancy on our site, first feed in your travel details and on the results page, select pregnancy from the list of pre-existing conditions mentioned. Do keep in mind that generally insurers limit their cover for pregnancy to the end of the second trimester. There might also be other exclusions say, for instance, you’ve had complications in the past, are expecting twins or have conceived through assisted reproductive services. You can still get general insurance for the later part of your pregnancy, but that would not cover pregnancy-related conditions.
Some insurance providers do have insurance policies for a one-way trip however, at the moment our travel insurance quote service only caters to travel itineraries that start and end in Australia.
You can usually extend your insurance while you are travelling for up to 12 months from the time that the cover started. If you are going to be away for longer than a year, you would have to buy a new policy. If you want to amend or extend your policy, you would have to contact your travel insurer directly. There would be an extra cost for amending your policy once you are on the trip.
Most travel insurers have a cap on the number of days you can spend on each trip when you are using an annual multi-trip insurance. It usually ranges from 30 to 90 days.
While some insurers do have insurance policies for domestic travel in terms of delays, cancellations, loss or damage to luggage and personal belongings; at the moment, we do not offer domestic travel insurance on our website.
When you make a claim on your travel insurance policy, you would have to pay a certain part of the total amount and the rest would be paid by the insurance company. This amount that you need to pay is called an excess. It can be fixed or flexible depending how much you want to pay as your initial premium or it could be determined by the claim type as some insurers will have lower excess for theft claims than say medical expenses. Generally, the higher the excess, the lower your premium will be.
DON’T wait till the last minute to buy travel insurance
Many people don’t realise that the cost of your insurance is not calculated from the time that you buy it, but from the day that you start your travel. In fact, most providers have a cooling off period of 14 days after you purchase the policy during which you can cancel it or make amends without any extra cost as long as you haven’t travelled or made a claim. In addition, if your flight gets cancelled or you have to cancel your trip because of an emergency, your travel insurance would cover cancellation costs. Usually, you can buy a travel insurance policy up to 12 months prior to your date of departure.
DO be accurate about your travel dates
Make sure to be as accurate as possible about all your travel details including the travel dates. In case of a cancellation or delay, you don’t want your claim to be rejected because you didn’t provide the correct information to your insurer at the time of buying the policy.
DO consider any extreme sports or adventure activities you are planning to indulge in
You may be fit and athletic, but it’s always a good idea to get insurance for any kind of adventure activities you are planning to try on your trip. Generally, international travel insurance would cover your amateur participation in a range of sports and adventure activities. But you may have to take special cover over a standard insurance policy to include these. For instance, you will have to add skiing insurance to your standard policy if you are going for an adventure in the snow. If you are participating in a sport professionally, you would have to mention that to your provider and agree upon an insurance accordingly.
DON’T drink and dive or drive
While you may be covered for a particular sport or adventure activity, your claim could get rejected if you hurt yourself while you were under the influence of alcohol or drugs.
DO get first-hand advice
Look up reviews from other Australians who have used a particular insurer or policy before and see what they have to say about it. Personal experiences can give you a good overview of the pros and cons of travel insurance.
DO compare travel insurance quotes yourself
Instead of just going with a policy that your travel agent or airline recommend, compare the travel insurance quotes yourself. Use Mozo’s comparison tool, punch in your travel details and make an informed decision about the insurance you finally choose. It’s really as simple as that.