Travel Insuranz Travel Insurance

About Travel Insuranz

100% Australian owned and operating online only,Travel Insuranz have covered over 2 million travellers for overseas trips. Offering a range of competitive travel insurance options to cover your next international holiday, Travel Insuranz policies are underwritten by Lloyd’s of London, for your peace of mind.

Rates and fees verified as correct at 19 October, 2018. Other information correct at the time of writing.

Travel Insuranz policies

Travel Insuranz policies are available for either single or multi-annual trips and come in a range of cover, from Classic, to Premier, through to Deluxe cover. You can also choose from policies for a single traveler, couples, families or groups. For a list of the policies available, check out our handy table below:

Frequently asked questions about Travel Insuranz

Q1. Who can apply for Travel Insuranz policies?

You can take out a travel insurance policy with Travel Insuranz as long as you are:

• An Australian resident, or if you’re on a visa, as long as you have been in Australia for longer than 3 months.
• Under 69 years of age. Check out Mozo’s guide if you’re looking for seniors travel insurance.

Q2. When’s the best time to purchase a travel insurance policy?

In general, it's best to buy your travel insurance policy as soon as you start booking your trip - that way, if something unexpected happens and you need to cancel, you’ll be covered by your travel insurance. You can buy your policy up to 12 months before leaving on your trip.

Travel Insuranz also offer cover if you’ve already left Australia and decided last minute that you will need travel insurance, as long as you are planning to return to Australia. If you do buy your policy after you leave Australia, it’s important to remember that there is a 48 hour delay before your cover starts.

Q3. Are pre-existing medical conditions covered under Travel Insuranz policies?

Travel Insuranz policies cover 37 pre-existing medical conditions automatically and without any extra premium, including chronic sinusitis, asthma and insulin resistance. These 37 conditions are covered automatically only so long as you have not been hospitalised for them in the past 24 months or sought medical advice on them in the 14 days before buying your policy.
If you’re travelling with a pre-existing medical condition, check out Mozo’s handy guide to finding travel insurance that works for you.

Q4. Can I extend my policy while I am travelling?

If you decide to extend your trip and would like to extend your Travel Insuranz policy as well, you can do so by applying for an extension via your online account. You’ll have to answer a few questions on your health and circumstances, but usually, you’ll be able to extend up until 12 months from the original start date of your policy.
If your original policy has already ended you’ll have to apply for a new one, and if your circumstances have changed (for example you have identified a medical condition that is not covered under Travel Insuranz policies) your premium may also change.
If you need to extend your policy for reasons beyond your control (for example if a flight is cancelled) then your policy will be automatically extended for up to 21 days.

Q5. What if I don’t have a return ticket?

If you’re not planning to come back to Australia or haven’t book a return flight yet, Travel Insuranz will cover you under a one-way travel insurance policy. You’ll have to nominate a ‘final destination’ for your travel and your policy will run out on a certain date, just like a regular travel insurance policy.

Q6. Is it possible to cancel my Travel Insuranz policy?

Travel Insuranz offer a 14 day cooling off period in case you change your mind about a travel insurance policy. You’ll have to submit the request for cancellation via their website and as long as you haven’t started your trip or made any claims on your policy, you should be entitled to a full refund of the premium you’ve paid.
The cooling off period does not apply to policies you buy after you’ve left Australia, and outside of the 14 day period, you are not entitled to any refund.

Exclusions to look out for in Travel Insuranz policies

It’s important to know the fine print of your travel insurance policy so that you know exactly what you’re covered for, and what conditions might mean your claim is rejected. You should read your PDS and know the details of your own policy, but to make it a bit easier, here at Mozo we’ve collected some of the common conditions that will usually apply to your Travel Insuranz policy to make things a little easier for you.

Always remember:

• For the cancellation benefit of your policy, cover starts when you book your trip or at the date on your certificate of insurance, whichever is latest. All other cover starts when you embark on your trip.
• There are a large number of sports and leisure activities included under your Travel Insuranz policy, but professional or competitive sports are not covered.
• An uncomplicated pregnancy up to 18 weeks is considered a pre-existing medical condition and covered automatically by your Travel Insuranz policy. However, no cover is included for childbirth or newborns. You are only covered for serious unexpected complications that threaten the life of the mother. Check out Mozo’s guide, for more information on travel insurance that will give you the cover you need while travelling pregnant.
• If you are under the influence of drugs or alcohol, or breaking any laws or instructions given to you by authorities when your claim arises, it can be denied.
• If your luggage is lost, stolen or damaged during your trip, you’ll need receipts to prove you owned it in the first place and an official statement, from police or other relevant authorities (i.e. transport companies) about what happened to it.
• Similarly, if your trip or any part of it is delayed or cancelled and you want to make a claim, make sure you get an official statement that includes what the delay was and how long it lasted. If you need to buy food or accommodation, or if your luggage is delayed and you need to buy replacement essentials, make sure you keep receipts for these as well so you can claim costs.
• If you can claim compensation from someone else, usually a transport or tour company, you should do so, and get a written record of how much you are offered. You can’t claim any amount that you’ve already been compensated for by someone else, but if you’re only offered partial compensation, your Travel Insuranz policy will cover the difference.

How to make a claim with Travel Insuranz

To make a claim with Travel Insuranz, you’ll need to contact the claims handler for a claims form or download one from their website. To fill out this form, you’ll need to include:

• Your name, address and phone number
• Your travel insurance policy reference number
• A brief description of your claim
• Any other documents supporting your claim, like receipts, medical certificates or police statements.
• You should send your claim in no later than 31 days after your trip ends.

Compare Travel Insuranz policies with other Australian Insurers

There are heaps of travel insurance options that can be tailored to suit your budget, trip and the level of cover you need. It’s definitely worth it to put in the time to compare our options and find the policy and provider that suits you best. At Mozo, we’ve done the hard work for you with our travel insurance comparison tool. All we need is your travel details, like where you’re going, how long you’ll be away and who you’re going with, and we’ll give you a comparison of the best travel insurance options out there.

You can also check out all of our different guides for more information about finding specific types of travel insurance or to find out just how travel insurance works. While you’re there, don’t forget to check out our best $20 series for some great money saving tips for while you’re jetsetting around the world.