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iTrek Adventurer Travel Insurance Policy Review

Benefits of the iTrek Adventurer Travel Insurance Policy - Cover Tailored to the Adventurer at Heart

Backed by a decade-long trusted Australian travel insurance company 1Cover, and with policies underwritten by one of Australia’s largest underwriters Allianz, iTrek has grown to become one of Australia’s most trusted travel cover options. Read on to learn exactly what this policy will cover you for.iTrek has established itself as an insurance provider specialising in cover for those looking to get off the beaten track and enjoy a range of adventure activities on their travels. The Adventurer policy offers cover for a range of activities be it bungee jumping, abseiling or even zorbing while still offering unlimited medical cover and up to $30,000 in cancellation cover. Basically, the Adventurer policy is perfect for those looking for comprehensive cover to keep them financially protected for most losses faced while travelling. It is iTrek’s second-most comprehensive policy just after the Pioneer.

Brands Product Product Details Apply
iTrek Single Trip Adventurer Cover

Unlimited overseas emergency medical assistance

Unlimited overseas emergency medical expenses

$5,000 in hospital cash allowance

$2,000,000 personal liability

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What is Covered by the iTrek Adventurer Travel Insurance Policy?

If you’re an adventurer at heart, you’ll know deep down that part of the adrenaline is due to the fact that not much is guaranteed – it’s all about living in the moment. While this uncertainty may be what makes travelling so enjoyable, it can also bring a host of losses that can leave one seriously out of pocket abroad. The iTrek Adventurer Travel Insurance policy provides comprehensive cover for:

  • Unlimited overseas emergency medical assistance and hospital expenses including access to trained medical advisers, guarantees for your hospital and medical expenses, medical transfers or evacuation, relaying emergency messages to family and colleagues and funeral coverage
  • Overseas emergency dental expenses so you can treat that unexpected acute pain and enjoy the local cuisine
  • Additional accommodation and travel expenses in case you fall sick, become injured or find your trip disrupted
  • Family emergency to compensate for compensation for your lost travel expenses and a return flight home if your family is injured, seriously ill, hospitalised or passes away
  • Hospital cash allowance of $50 per day for every day you’re hospitalised longer than 48 hours
  • Luggage and personal effect cover if you lose, damage or have your luggage and personal effects stolen during your trip
  • Cancellation fees and lost deposits cover to cover your cancellation fees, lost deposits, travel agent fees and loss of frequent flyer points because your trip gets cancelled or shortened unexpectedly
  • Personal liability cover for the legal costs you may incur if you cause someone to be injured or damage their property
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iTrek Benefits Table

BenefitsSingle CoverFamily Cover
Overseas Emergency Medical AssistanceUnlimitedUnlimited
Overseas Emergency Medical & Hospital ExpensesUnlimitedUnlimited
Additional Accommodation and Travel Expenses$10,000$20,000
Hospital Cash Allowance$5,000$10,000
Cancellation Fees & Lost Deposits$15,000$30,000
Personal Liability$2 million$2 million
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Why Choose iTrek Travel Insurance?

Choosing the right travel insurance policy is just as much about choosing the right provider. It is critical to choose a company that you feel secure will give you the right support if you suffer a loss while travelling abroad. There are some key benefits of choosing iTrek as your travel insurance provider for your next trip abroad.

  • Straightforward claims process and 24/7 customer service: iTrek Travel Insurance is a locally Australian owned and run business, so you won’t ever find yourself stuck in an emergency overseas frustrated with a language barrier. The people behind the phones and emails are real travel fanatics just like yourself, and with their competitive prices, longer cover, automatically covered adventure activities, quick and easy application and claims process and 24/7 access to Allianz Global Assistance, you’ll travel well together.
  • Range of policies to choose from: If you aren’t quite satisfied with the level of cover provided on the Adventurer plan, iTrek also offers the Wanderer, Trekker and Pioneer policies. Each offer different levels of cover to suit the needs of a range of travellers with different cover requirements and budgets.
  • Competitive pricing: Operating entirely online without travel agents means that iTrek can afford to pass on savings to their customers.
  • Extended period of cover: In comparison to many travel insurance providers, iTrek offers cover for up to 18 months. This makes iTrek an excellent option for gap year travellers, backpackers or those that simply aren't ready to come back.
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iTrek Benefits Table

BenefitsSingle CoverFamily Cover
Overseas Emergency Medical AssistanceUnlimitedUnlimited
Overseas Emergency Medical & Hospital ExpensesUnlimitedUnlimited
Additional Accommodation and Travel Expenses$10,000$20,000
Hospital Cash Allowance$5,000$10,000
Cancellation Fees & Lost Deposits$15,000$30,000
Personal Liability$2 million$2 million
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iTrek Pre-existing Medical Conditions

Everyone comes in different shapes and sizes, with no exception to our health conditions. Your condition could be deemed pre-existing if:

  • You know you have a medical or dental condition
  • You’ve had to previously treat the medical or dental condition
  • You need to take medicine for the condition
  • You’ve had to have surgery for it
  • You see a medical specialist because of it
  • You are pregnant

The point of travel insurance is to be covered for as many possible situations as possible, so be sure to read the full Product Disclosure Statement (PDS) to find out if your pre-existing medical condition will be covered.

If you find that your pre-existing medical condition is not covered, however, it’s still a great idea to take out travel insurance to cover you for everything else that may happen on the road.

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iTrek Adventurer Travel Insurance General Exclusions

Like all travel insurance providers, there are certain scenarios that will not be covered in the event of a claim. Most are pretty common knowledge but it is always good to have in the back of mind while abroad.

You may find your claim unable to be accepted by iTrek Travel Insurance if you:

  • Didn’t take all measures to avoid becoming injured, such as riding a motorbike without a valid Australian license
  • Were intoxicated or under the influence of drugs when the event took place
  • Didn’t follow the DO NOT TRAVEL warnings of the Australian Government or other government organisations
  • Are claiming for anything related to your pregnancy

While iTrek Travel Insurance are there to help you, be smart to use but not abuse their services. A quality travel insurance can go a long way and may even become your lifesaver. It’s a great idea to read the full Product Disclosure Statement (PDS) so you know what you will and won’t be covered for while you’re on the road.

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Apply for iTrek Adventurer Travel Insurance Online

If you are travelling overseas, travel insurance is a must, regardless of whether it’s your first trip away or you’re a seasoned traveller. A quality travel insurance could either make or break your long-anticipated holiday, so be a wise traveller and choose a comprehensive policy such as the iTrek Adventurer Travel Insurance to safeguard you as you race across the globe ticking off your bucket list.

If the iTrek Adventurer policy sounds like a good fit for your next trip, you can purchase cover entirely online via the link in the table above. Cover can be put in place in as little as 15 minutes and you will be emailed a confirmation of your policy after your purchase is complete.

Who is eligible for cover?

iTrek travel insurance is available for;

  • Australian residents
  • Those who purchase their policy before the commence their journey
  • Those whose journey begins and ends in Australia

What types of cover can I choose from?

You are able to choose either;

  • Single: Covers you and your dependents travelling with you
  • Family: Covers you and the members of your family that are travelling with you. Benefit limits for family cover apply to the total number of claims combined. This is regardless of the number of persons that the claim relates to

Receive a quote for the iTrek Adventurer Policy

William Eve

Will is a personal finance writer for finder.com.au specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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