Frequently asked questions about Under 30’s Travel Insurance
Q1. Who can apply for Under 30’s Travel Insurance policies?
The number one rule for applying for an Under 30’s Travel Insurance policy is that you need to be, you guessed it, under 30!
You also need to be:
- an Australian resident
- planning to return to Australia at the end of your trip
Q2. When’s the best time to purchase a travel insurance policy?
The thing to remember about buying travel insurance, is that it covers accidents and unexpected events while you’re travelling, but it can also come in handy for surprises before you leave. You should think about buying travel insurance as soon as you start booking your tickets, so that if for some reason you have to cancel your trip, you’ll be covered under the cancellation benefit of your policy. This cover starts as soon as you’re given your certificate of insurance.
You can buy an Under 30’s Travel Insurance policy up to 12 months in advance of your trip, and you will need to purchase it before you leave Australia.
Q3. Are pre-existing medical conditions covered by Under 30’s Travel Insurance policies?
Under 30’s Travel Insurance policies cover 33 pre-existing medical conditions automatically and free of charge. You can find a full list in your PDS. These conditions are covered as long as:
- they have been stable for 12 months
- you haven’t needed to visit the doctor for them in 12 months
- and you’re not planning to have surgery or see a specialist about them
Any other pre-existing medical condition won’t be covered by your Under 30’s Travel Insurance. You can check out Mozo’s guide if you’d like to find out more about travel insurance for people with pre-existing medical conditions.
Q4. Can I extend my policy while I am travelling?
When you take your next big overseas holiday, you might be having so much fun you decide to extend your time away. If you do, you’ll want to extend your travel insurance policy as well, so that you’re covered for accidents and surprises.
You need to apply for an extension on your Under 30’s Travel Insurance policy at least 7 days before it runs out. If Under 30’s Travel Insurance agrees to extend your policy, you’ll be given a new certificate of insurance and pay a new premium. Keep in mind, your policy isn’t extended and you won’t be covered until this new certificate is issued.
If you need to extend due to unexpected circumstances (for example if your flight is canceled), you need to let Under 30’s Travel Insurance know as soon as possible, because while your cover will be extended free of charge, it isn’t effective until they have agreed to it.
Q5. Can I remove the excess on my Under 30’s Travel Insurance policy?
Yes! Under 30’s Travel Insurance offer the option to remove the standard $100 excess by paying an extra $25 premium when you buy your policy.
Q6. Is it possible to cancel my Under 30’s Travel Insurance policy?
There is a 14 day cooling off period, so if you decide to cancel your Under 30’s Travel Insurance policy within this period, you will get a full refund of your premium. This only applies as long as you haven’t started your trip or made any claims on your policy.
After the 14 day period, you can still cancel your policy, but you aren’t entitled to a refund.
Exclusions to look out for in Under 30’s Travel Insurance policies
Even with all the excitement of planning your overseas trip, you need to remember to keep an eye on the fine print of your Under 30’s Travel Insurance policy. It’s important to know what you’re covered for, what’s excluded and what to do if something goes wrong.
To make it a bit easier, we’ve collected some of the important details you should know about your travel insurance policy before you go ahead.
- Any electronics you carry with you while you travel are not included in your Under 30’s Travel Insurance. If you’d like cover for your electronics, you should opt for the additional electronics cover, for an extra $25 premium. Remember that if you do make a claim on this benefit of your policy, you will need receipts or proof of value for your items.
- If you’re planning to volunteer or work while overseas, make sure you have the correct visas or permits to do so, because if you don’t any claim related to that work may be denied.
- Pregnancy is not covered by an Under 30’s Travel Insurance policy. If you’re travelling while pregnant, take a look at our dedicated guide to find out more about getting effective travel insurance.
- You might be looking to party on your overseas trip, but if you are under the influence of drugs or alcohol, or breaking any laws when your claim arises, it will be denied.
- You need to have receipts to prove ownership of anything that is lost or stolen during your trip. You’ll also need an official statement from either police, or the relevant authorities (i.e. if the airline loses your bag you need a statement from them) to submit with your claim, detailing what happened.
- If your trip, or part of it, like a tour, is delayed or cancelled for at least six hours or if your luggage is delayed for more than 12 hours, you can claim any additional expenses you had in that time. For example, you can claim food you wouldn’t have otherwise had to buy, or any essentials that were lost with your luggage and you needed to replace. You need to remember to keep receipts for any of these costs.
- If you’re offered compensation from the hotel, transport or tour company that was responsible for a delay, damage or loss of personal items, you can’t claim that amount on your travel insurance policy. But if you’re only offered partial compensation, your travel insurance policy should cover the rest. Make sure you get a written record of what compensation you are paid and by who.
How to make a claim with Under 30’s Travel Insurance
There are three steps to making a claim on your Under 30’s Travel Insurance policy:
- Give them a call. You can skip this step if you’re confident that you know what you’re doing, but otherwise, give Under 30’s Travel Insurance a call and they can walk you through the process. Remember to have your personal and policy details handy when you call.
- Gather your supporting documents. Usually, your claim will need some kind of supporting document, whether it’s receipts to prove ownership, or a medical or police statement. Make sure you include any relevant information so your claim can be processed quickly.
- Complete your claims form. You can download the form from the website, and when it is complete, either send it via post or scan and email it to Under 30’s Travel Insurance.
- Remember that the more detailed your claims form is, the quicker and easier it will be to have your claim approved. You must submit the claim within 30 days of returning home, and then you should hear from Under 30’s Travel Insurance within 10 business days.
- Don’t forget to keep a copy of your completed claim and all your supporting documents for your own records.