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It is easy to ensure you are covered for all the countries you plan to visit - just make sure you tell us all of the countries you plan to visit.
How do I know which countries to select?
For a Single Trip Policy, you must select all destinations you will be visiting on your journey, which you wish to be covered by your policy, except for transit stops of 24 hours or less where you remain in the airport.
For the Annual Multi-Trip Policy, you must select all destinations that you will be visiting/or intend to visit during the 12-month cover period, which you wish to be covered by your policy, except for transit stops of 24 hours or less where you remain in the airport.
When you select cover for some countries, we may include some additional destinations within a similar region for no additional cost. You will know if this applies, as a message with a list of all the countries included will pop up.
You can double check that you have included all countries by checking the list that appears under your ‘travel information’ when you get a quote. If you need to add any, you can click ‘edit’ to make a change.
International travel only
Remember that domestic travel, within Australia, is not covered by our TravelCare policy.
The exception to this is when you’re off on a cruise and your journey includes travel within Australian waters as part of a cruise itinerary that also includes travel overseas. However, if you have a medical related unexpected event which occurs while the cruise ship is within Australian waters, you first need to seek treatment through the public health system and/or submit your claim through any other third-party services available to you, i.e. Medicare and/or any other insurer before submitting a claim under your policy.
Please note you cannot specify cover for Australia in the application process, it’s just automatically included under this policy.
How do I know what countries aren’t covered?
We do not offer cover for destinations that the Australian Government has issued a travel advisory risk rating of ‘Reconsider your need to travel’ or ‘Do not travel’ prior to your start date of insurance (on a Single Trip policy), or your start date of insurance and prior to the date which any part of each journey is booked and/or paid for (on an Annual Multi-Trip policy).
As these can change, we strongly recommend you check www.smartraveller.gov.au (the Australian Government Department of Foreign Affairs website) for the list of countries and regions affected immediately prior to:
- applying for this policy;
- your start date of insurance;
- your start date of journey;
- your departure to each destination (if you are travelling to multiple destinations during your journey),
If, after you have purchased a policy for a destination, a new travel advisory risk rating of ‘Reconsider your need to travel’ or ‘Do not travel’ is issued, please contact us for advice on what you are covered for under your policy.
Single Trip or Annual Multi-Trip – get the cover you need
Selecting a policy should be simple, we think, so we have two policy types for you to choose from.
For one-off travel, getaways or your annual holiday perhaps, our Single Trip Policy gives you cover for a single return journey overseas to one, or multiple, destinations. You can purchase travel cover for one trip lasting up to 12 months. You must select all destinations that you will be visiting on your journey for which you wish to be covered by your Single Trip Policy except for transit stops of 24 hours or less where you remain in the airport.
Remember, if you book your travel insurance in advance, you are also covered for cancellation and alteration costs prior to your departure.
If you’re planning on taking several journeys a year, our Annual Multi-Trip policy might be a more cost (and time) effective choice than shopping around for travel insurance every time you travel. You must select all destinations that you will be visiting or you intend to visit during your 12 months of cover except for transit stops of 24 hours or less where you remain in the airport. Once purchased, you’ll be covered for an unlimited number of return journeys overseas. You can choose to have journeys covered up to a maximum of 30, 60 or 90-days in length.
If you buy a ‘Family’ Annual Multi-Trip Policy, the adults on the Certificate of Insurance can travel independently, however any dependent children named on the Certificate of Insurance are only covered if travelling with an adult named on the same Certificate of Insurance.
Need some help?
If you would like to get in touch, we’re here to help. Please feel free to email us email@example.com at any time, or speak to one of our friendly insurance experts on 1800 196 484, Monday - Friday 8:30am – 5:00pm AEST/AEDT.
When calling from overseas, our worldwide emergency assistance team is available 24 hours a day, 7 days a week on +61 2 9191 1180.