Cota Promo Codes and Discounts for April 2017

Save on COTA Travel insurance with these COTA promo codes, discounts and other deals

COTA aims to promote, improve and protect the circumstances and wellbeing of older Australians.  It also offers travel insurance with additional cover options for pre-existing medical conditions and specific items of value.

Get a better deal on your travel insurance with the deals on this page for COTA Travel Insurance.

COTA Travel Insurance promo codes, discounts and coupons

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Free Captain Risky Bobblehead with Comprehensive, Annual, Domestic Cover

FREE Captain Risky Bobblehead when you purchase a Comprehensive, Annual Multi-Trip or Domestic Travel Insurance policy. Hurry, while stocks last! Terms and conditions apply.

What policies are available from COTA?


This policy is ideal for international travel since it provides the comprehensive cover you’d require in an emergency far away from home. You are covered for:

  • Unlimited medical assistance and hospitalisation
  • Unlimited additional expenses
  • Unlimited cancellation costs
  • Luggage and personal effects
  • Travel delays and resuming an interrupted trip
  • Special events
  • Car hire excess
  • Ski and golf benefits
  • Accidental death and permanent disability
  • Personal liability


This plan is suited to travel within Australia and covers you for:

  • Additional expenses including medical evacuation
  • Cancellation costs
  • Luggage and personal effects
  • Car hire excess and return
  • Golf and ski benefits
  • Accidental death and permanent disability
  • Personal liability up to $1 million

Annual Frequent Traveller Plan

This plan provides cover for an unlimited amount of journeys within a 12-month period, whether you’re travelling locally or internationally. This policy will cover you for:

  • Unlimited medical assistance and hospitalisation
  • Unlimited additional expenses
  • Unlimited cancellation costs
  • Luggage and personal effects
  • Single journey up to 50 days
  • Travel delays and resuming an interrupted trip
  • Special events
  • Car hire excess
  • Ski and golf benefits
  • Accidental death and permanent disability
  • Personal liability

Pros and Cons of COTA


  • Underwritten by Lloyd’s of London (managed by Cerberus)
  • Online quotes
  • File claims over the phone
  • Insures travellers of all ages (you must be medically assessed if you’re 81 years of age or older)
  • Deposit and Cancellation plan available
  • Additional options include Increased Luggage, Additional Business Benefits and Increased Rental Excess
  • 24/7 emergency support
  • Cover can be extended


  • No option to claim online
  • Travellers 81 years of age and older must submit to medical assessments
  • Not all pre-existing medical conditions are automatically covered

How do I apply for travel insurance from COTA?

Here are  the steps to take when applying for a COTA travel insurance policy.

  • Compare policy options. Carefully compare the policies available to see which one best suits your journey.
  • Get a quote online. Enter your travel details into the online calculator to work out approximately how much you’ll be paying in premiums.
  • Read the product disclosure statement (PDS). Be sure to read and understand what is covered in your policy.
  • Check out any additional options. Check the additional insurance options to see whether or not your policy can be upgraded.

How do I make a claim with COTA?

Here’s what to do if you need to file a claim.

  • Get emergency help. Notify emergency assistance immediately and get the help you need. Then,  download and complete the claim forms available on COTA’s website.
  • Submit original documentation. Attach all relevant documentation to support your claim. This includes police and medical reports, receipts, valuations and anything else that will expedite the claims process.
  • Be thorough. You must provide all required information truthfully. Dishonest, false or incomplete information may result in your claim being rejected or your policy being cancelled entirely.


Here are some frequently asked questions about COTA’s travel insurance.

Q. Who can apply for COTA travel insurance?

  • A. Applicants must be Australian residents and must return to Australia at the end of their trip. You can’t apply for insurance if you’ve already started your trip.

Q. Is there policy excess?

  • A. No standard excess applies. However, an excess may apply to each event relating to your pre-existing medical conditions.

Q. Is my pre-existing medical condition covered?

  • A. If your condition doesn’t appear on the list of illnesses and conditions automatically covered by COTA policies, you can purchase additional cover.

Q. What if I only want to cover lost deposits and cancellation?

  • A. COTA offers a Deposits and Cancellation policy as a single or family option  for three, six, nine or 12 months. This plan covers cancellation costs up to $5,000 on the family option.

Q. When does cover start?

  • A. Your cover starts immediately after you pay for your travel insurance online or over the phone by credit card. You’ll receive  immediate confirmation along with the Certificate of Insurance.

Q. Can I cancel my COTA policy if I’m not happy with it?

  • A. You have 14 days during which you can cancel your policy, starting from the day the Certificate of Insurance was issued

Q. Who underwrites COTA Travel Insurance?

  • A. COTA’s travel insurance policies are underwritten by Lloyd’s and managed by Cerberus Special Risks Pty Ltd.

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