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?
If you plan to enter a country - even for a stopover – you should include it in the destinations you list. Just start typing the country and it will appear in the list for you to select.
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.
What if I forget to include a stopover or my travel plans change?
You can add countries to your policy for additional cover, provided you have not already arrived in those destinations. An additional premium may apply for this cover.
Visit Amend my policy for more details, or to apply for changes.
What if I’m just in transit?
If you’re just ‘in-transit’, as in you don’t clear customs and stay within the transit area at the airport, then you don’t need to include that country as a destination.
How do I know what countries aren’t covered?
We do not offer cover for destinations that the Australian Government have issued ‘Do not travel’ and ‘Reconsider your need to travel’ advisories. As these can change, we strongly recommend you check our travel alerts page, or www.smartraveller.gov.au (the Australian Government Department of Foreign Affairs and Trade website) for the list of countries and regions affected both before you purchase your travel insurance, and prior to your departure date.
If, after you have purchased a policy for a destination, a new travel advisory of ‘Do not travel’ or ‘Reconsider your need to travel’ is issued, please contact us for advice on what you are covered for under your policy.
Who do I call for advice?
When calling from overseas, our emergency assistance team is available 24 hours a day, 7 days a week on +61 2 9191 1180.
If you’re calling from Australia, you can reach us Monday – Friday 8.30am to 5pm AEDT/AEST on 1800 196 484.