Frequent traveller? Check-In's Annual Multi Trip Travel Insurance could be the smart choice for you.
Passport at the ready? Yep. Camera? Check. Asking the neighbours to check the mail while you’re gone? Done.
As you make your way down your to-do list before you jet off to your holiday, pause for a minute and see if you can also spot the following words on that list of ticked items: ‘travel insurance’.
If that last item is something you’ve forgotten, Check-In Travel Insurance can help. Aptly named after words that bring joy to every traveller at heart, Check-In.com.au is a decade-old provider of comprehensive travel insurance for times when things don’t go according to plan.
For over 10 years, Check-In Travel Insurance has protected thousands of globetrotters just like yourself and allowed them to go on holidays in peace, knowing that quality service and a comforting emergency hotline are available to them at once if they happen to come across any unexpected bumps along the road.
Whether it’s a cancelled flight, lost luggage or a medical emergency, Check-In Travel Insurance will be there to assist you in times of need.
- The role and importance of having a travel insurance policy
- Who needs Check-In Annual Multi-Trip Travel Insurance?
- What are the benefits and coverage of a Check-In Annual Multi-Trip Travel Insurance policy?
- What are the limitations of Check-In Annual Multi-Trip Travel Insurance?
- How to file a claim with Check-In Annual Multi-Trip Travel Insurance
- Frequently asked questions about Check-In Annual Multi-Trip Travel Insurance
- More tips on how to choose the most suitable Check-In Travel Insurance policy
Who underwrites Check-In Annual Multi-Trip Travel Insurance?
Check-In Annual Multi-Trip Travel Insurance is issued and underwritten by Hollard. Check-In is an Authorised Representative of Hollard, and is authorised to provide and deal in general advice on its behalf in regards to particular general insurance products issued by Hollard, including Check-In Travel Insurance.
The importance of having a travel insurance policy
If you’ve been lucky enough to not run into troubles during your travels or have simply never travelled before, it may be puzzling as to why you need to fork out the extra cash to purchase a travel insurance policy. You’ve already done your homework and snagged some great deals for local accommodation, so what else could you need, right?
But what if that flight is cancelled? What if your luggage is lost or stolen? What if your accommodation plans fall through because you got injured while on your trip and had to reschedule, or worse, cancel everything and return home?
Those cancellation fees and lost deposits would be coming straight out of your pockets. Overseas medical costs can escalate quickly and run into the thousands if you suffer a serious injury, require surgery, or in even more extreme cases, require evacuation. You’d be left with quite hefty medical bills to foot, without any guarantee of even seeing a well-qualified doctor or letting loved ones back home know of what’s happened.
That’s why Check-In Annual Multi-Trip Travel Insurance is a must for any journey. Not only will it take care of the financial risks caused by minor travel hiccups, most travel insurance providers also provide an additional level of support to make sure that you are well looked after in times of distress. Check-In Annual Multi-Trip Travel Insurance can help by provide:
- exceptional customer service after you return from your journey and through the claims process
- 24/7 worldwide emergency assistance hotline
- pass on messages to your family, friends and colleagues back home to keep them in the loop.
Who can apply for Multi-Trip Travel Insurance?
If you’re looking to purchase the Check-In Annual Multi-Trip Travel Insurance policy, you must:
- Be an Australian citizen or a permanent resident living at an Australian address
- Hold a current Australian Medicare card (visitor Medicare cards are not accepted)
- Purchase your Check-In Annual Multi-Trip Travel Insurance policy before you begin your travels
- Start and finish your trip in Australia
- Be no more than 75 years old at the time of purchase
If you’re a regular jetsetter, you’re probably more aware of just how many random hiccups can impact your travel plans. By purchasing a Check-In Travel Insurance Annual Multi-Trip policy, you’ll be economically protecting yourself against a multitude of situations on all your trips throughout the year with included cover for:
- Unlimited overseas emergency medical assistance
- Unlimited overseas emergency and medical and hospital expenses
- Up to $12,000 for cancellation fees and lost deposits
- Up to $12,000 for additional expenses
- Up to $5,000 for hospital cash allowance
- Up to $12,000 for accidental death
- Up to $25,000 for permanent disability
- Up to $10,000 for loss of income
- Up to $5,000 for lost or stolen travel documents, credit card & travellers cheques
- Up to $250 for theft of cash
- Up to $10,000 for luggage and personal effects
- Up to $750 for luggage and personal effects delay expenses
- Up to $2,000 for travel delay expenses
- Up to $5,000 for special events
- Up to $2 million for personal liability
- Up to $5,000 for rental vehicle insurance excess
Check-In Annual Multi-Trip Travel Insurance also offers handy extras, such as:
- Optional winter sport cover if you plan on recreational skiing and snowboarding during your trip
- Optional excess removal to remove the $100 excess claim fee every time you claim
- Free cover for your spouse and kids under 21 years of age, making Check-In Annual Multi-Trip Travel Insurance perfect for young families (they must be travelling with you for the whole journey)
- Worldwide assistance 24/7 with Australia’s global emergency network, MAPFRE – this means you’re able to receive help from anywhere in the world
What are the limitations of the policy?
While an annual multi-trip policy is an attractive option for the frequent jetsetter, it doesn’t mean that it may cover all your needs or all types of situations that you may come across in your travels.
Some cases for general exclusion under the Check-In Annual Multi-Trip Travel Insurance policy include if you:
- Acted illegally, were intoxicated or were otherwise irresponsible or reckless such as leaving personal items without supervision in a public area
- Were riding a motorcycle but don’t hold a current Australian licence
- Are trying to claim for your pre-existing medical condition that you didn’t tell Check-In Travel Insurance about earlier
- Are claiming for an incident that occurred while playing a sport that is not covered under your Product Disclosure Statement (PDS)
- Travelled even though your doctor or medical staff advised you not to
- Ignored the advice of the Australian Government and DO NOT TRAVEL warnings
- Are claiming for cases relating to acts of war
It’s important to fully understand what is and is not covered under your Check-In Annual Multi-Trip Travel Insurance policy, so that you don’t end up in a situation where you did, in fact, get travel insurance but couldn’t claim for your losses or mishaps. By reading the full Product Disclosure Statement (PDS), you can fully protect yourself and give your loved ones peace of mind, knowing that you’re covered for all sorts of situations, no matter how unlikely they may seem before you travel.Back to top
How do I file a claim?
Filing for a claim with Check-In Annual Multi-Trip Travel Insurance for your benefits included in the Annual Multi-Trip Policy is easy.
1. Let Check-In Insurance know
- Call the claim team at Check-In Travel Insurance to let them know what has happened. This way, they can keep a look out for your claim form and assist you ASAP.
2. Fill in your claim form
- Include as much detail as possible to help Check-in Travel Insurance give you all the benefits you are entitled to. You may be asked to include the police report or original receipts as supporting documentation.
3. Send your claim to Check-In Travel Insurance
- Once your request to claim arrives at the Check-In Travel Insurance office in Sydney, they will process it as fast as they can. If successful, your claim benefit will be deposited to you in AUD.
Got more questions?
What is the difference between the Comprehensive Policy and the Annual Multi-Trip Policy?
The Check-In Travel Insurance Comprehensive policy will only cover you for one specified journey that you take for up to 365 days, whereas the annual multi-trip policy will cover you for multiple trips throughout the year for up to 30 days at a time. The age eligibility is also different, with a maximum age of 79 for the Comprehensive Policy and 75 for the Annual Multi-Trip Policy.
Can I include my family on my policy?
Of course! Under your Check-In Annual Multi-Trip Travel Insurance policy, your spouse (or de facto partner) and your children aged 21 years or younger are automatically covered at no extra cost under the same policy, as long as they accompany you for 100% of your journey.
When should I get my Check-In Annual Multi-Trip Travel Insurance Policy?
The best recommended time to purchase your Check-In Annual Multi-Trip Travel Insurance policy is as soon as you start booking your flights and accommodation. While many people think that a travel insurance is not necessary until your departure date, by having travel insurance earlier you can be protected against early cancellations or lost deposit fees if something happens before you even leave the country and you have to cancel or delay your trip.
What if I have a pre-existing medical condition?
Have a look at the full Product Disclosure Statement (PDS) to see whether your pre-existing condition is automatically covered under the Annual Multi-Trip Policy. In either case, you should contact Check-In Travel Insurance to discuss your situation and notify them before you purchase your travel insurance so they are aware of your situation.
How to choose the most suitable travel insurance policy
So now that you know that if you can’t afford travel insurance you can’t afford to travel, how do you know if Check-In Annual Multi-Trip Travel Insurance is the most suitable solution for your upcoming travels?
Check-in Travel Insurance offers three policies – basic, comprehensive and annual multi-trip. Use the following tips as guides on how to choose the most suitable Check-In travel insurance policy:
- 1. Know your needs – As with all things that you’re looking to purchase, it’s important to assess what your real needs are. Keep in mind your destination and what sorts of activities you will be doing. If you know you’re headed to New Zealand and going to be doing high-risk adventure activities day in and day out, is that basic policy cover really enough to cover all your risks?
- 2. Consider your travel dates – If you plan on taking one big trip for 6 months, keep in mind that the Annual Multi-Trip policy only covers journeys up to 30 days. The Check-In Travel Insurance Comprehensive Policy covers journeys up to 365 days for travellers under 71 years of age and 185 days for those between 71 to 79 years old.
- 3. Read the fine print – By reading the fine print in the full Product Disclosure Statement (PDS), you’ll be able to take in all the details and have a finer understanding of what is actually covered, allowing you to have true peace of mind.