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Heard about Zoom travel insurance? Want to know more about what a Zoom travel policy covers? We’ve combed the fine print to bring you everything you need to know about Zoom travel insurance, so you can work out whether this policy is a fit for you.

About Zoom

Zoom’s founders have been in the online travel insurance game for over 20 years, with the belief that all Australians should be able to afford quality travel insurance. Their travel insurance policies are underwritten by HDI Global Specialty SE – Australia.

Cover information and limits in the table below verified as correct at 25 May 2024. Other information correct at the time of writing.

Zoom plans

Zoom offers both international travel insurance and domestic travel insurance, with the option for single-trip or multi-trip (called ‘Frequent Flyer’) plans. 

Have a look at the table below for an overview of Zoom’s travel insurance options, including what levels of coverage are available, and what’s included and excluded in each tier. 

Check out Mozo’s data fields or the Zoom Travel Insurance product disclosure statement (PDS) for details on pay-out limits and general exclusions for specific parts of their travel insurance policies.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • 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 illness

  • 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

    • Medical Only

    • Per person

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Standard

    • Per person

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $25,000

    • $7,500

    • $10,000

    • $10,000

    • $3,000

    • $2,500

    • $2,000

    • $2,000

    • $2,000

    • Choose $5,000 or $8,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    More info
    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • Unlimited

    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • Choose $5,000 or $8,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    More info
    • Frequent Traveller

    • Per person

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $25,000

    • $7,500

    • $10,000

    • $10,000

    • $3,000

    • $2,500

    • $2,000

    • $2,000

    • $2,000

    • Choose $5,000 or $8,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    More info
= Covered = Not covered

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.

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).


Does Zoom travel insurance have COVID-19 cover? 

Zoom provides cover for COVID-19 across the following international travel insurance policy benefits:

These COVID-19 benefits are only applicable outside of Australia, as Australian citizens have access to Medicare. 

For more information, including the types of claims eligible for cover and any exclusions, have a look at the Zoom travel insurance PDS. 

What optional extras can I add to my Zoom travel insurance policy? 

Zoom Travel Insurance offers a wide range of optional extras that you can purchase to tailor your cover to the kinds of activities you are participating in, or to fill in the blanks where their standard policies don’t provide the cover you want. 

These optional extras include:

For details about what each of these optional extras includes and excludes, and to find out if you’ll need them for your trip, check out the Zoom travel insurance PDS. 

Are pre-existing medical conditions covered under Zoom travel insurance?

When it comes to getting cover for your pre-existing medical conditions with Zoom travel insurance, you will need to declare any medical conditions that you have and complete an online medical screening. 

Cover for pre-existing medical conditions is at the discretion of Zoom, so you’ll need to wait to hear back from them in writing. 

If your medical condition is covered, you may have to pay an extra premium on top of your base travel insurance premium. 

What do I do if there’s an emergency during my trip? 

For 24-hour emergency assistance while you’re on your trip you can call Zoom’s team on +61 2 8776 3010.

How do I make a claim with Zoom travel insurance?

There are a few ways to make a claim with Zoom Travel Insurance, your choice of which depends on the nature of your claim. 

If you are making a medical or emergency claim, then you will need to call First Assistance on +61 2 8015 6261. It’s best to do this as soon as possible, so they can assist with your care 

If your claim is general or about lost or stolen luggage and personal effects, then you can email info@travelclaimscentre.com

When making a claim, you’ll need to have the documents ready to provide evidence of your claim’s validity. That means in the event of luggage theft, for example, you’ll need a copy of a police report that you will have filed the moment you knew your stuff was gone. 

You can also submit a claim with Zoom Travel Insurance online, at https://www.zoomtravelinsurance.com.au/claims

You’ll need to submit your claim as soon as possible or within 30 days of returning to Australia. 

For more information on claims, make sure you read through the Zoom Travel Insurance PDS. 

Is it possible to cancel my Zoom travel insurance policy?

If you need to cancel your travel insurance policy with Zoom, there’s a 14-day cooling-off period with a money-back guarantee.  

After the cooling-off period, however, you may only be eligible for a partial refund of your premium for the unexpired period of cover. Plus, there will likely be a $25 admin fee.

To cancel your cover, head online to the Zoom online policy manager. 

Zoom customer reviews

Zoom travel insurance
5.5

Overall 5.5

5.5

Value for money

5.5

Policy coverage

5.5

Customer service

5.5

Claims handling

5.5

Trust

2 Reviews

Recent Zoom travel insurance customer reviews Recent Zoom travel insurance customer reviews

Zoom logo

Zoom Travel Insurance review

Overall rating   1 / 10

Bend over backwards to deny a claim

We experienced flooding whilst in Europe in December which caused our train journey from London to Glasgow to be abandoned in Preston. We had to then get local accomodation and a hire car to complete our trip to Glasgow. Zoom denied our claim...

Full review

We experienced flooding whilst in Europe in December which caused our train journey from London to Glasgow to be abandoned in Preston. We had to then get local accomodation and a hire car to complete our trip to Glasgow. Zoom denied our claim because a single bus was provided in Preston to continue the journey. When we arrived in Preston there were over 1000 people ahead of us in the bus queue and we were advised to make other travel arrangements by Preston Station staff. Despite this the claim was denied. I couldnt recommend you avoid Zoom Insurance more strongly. Its doesn't have any value.

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Richard, New South Wales, reviewed about 2 months ago

Zoom logo

Zoom Travel Insurance review

Overall rating   10 / 10

Excellent premiums and wonderful service

We were booked on a cruise and 3 days before we were due to leave my husband got sick and ended up in hospital. I rang the insurance company and they asked for confirmation from our doctor and as soon as I have sent them my doctors certificate...

Full review

We were booked on a cruise and 3 days before we were due to leave my husband got sick and ended up in hospital. I rang the insurance company and they asked for confirmation from our doctor and as soon as I have sent them my doctors certificate they immediately issued us a cheque for all the amount we had paid.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Irene, Western Australia, reviewed about 4 years ago

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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. Financial providers may, from time to time, offer incentives for reviews, regardless of the sentiment of the reviews.

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