Looking for affordable straightforward cover while on holiday? iTrek Wanderer Travel Insurance could be the policy for you.
iTrek provides four levels of cover, from Pioneer, the most comprehensive, to Wanderer, which offers essential cover without the frills. If you don’t have stacks of expensive belongings, or lots of pre-paid bookings to protect, then iTrek Wanderer insurance could offer an adequate level of protection at a great rate.
While it doesn’t provide any luggage or trip cancellation cover, Wanderer does provide unlimited medical and hospital cover (an essential element) plus the option to cover yourself for a range of adventurous activities, if that’s part of what you plan to do. And with iTrek, you can get coverage for up to 18 months, which means all the time in the world to enjoy your experience.
iTrek travel insurance is offered under 1Cover Travel Insurance Group and the reason they can afford to keep prices down is because they operate solely online.
What is covered by iTrek Wanderer Travel Insurance?
iTrek Wanderer Travel Insurance is great cover for the budget-conscious traveller, because it covers you for the essentials only. It provides cover in the following areas:
- Unlimited overseas emergency medical assistance and hospital expenses cover
- Overseas emergency dental expenses up to $500
- Additional accommodation and travel expenses as a result of cancellations due to illness, injury or journey interruption
- Hospital cash allowance, with a $50 daily payment for every day you remain in hospital longer than 48 hours
- Personal liability cover of $1 million, which covers legal liability expenses in relation to death, injury, loss or property damage
If you plan to scuba dive, sky dive, hang glide, rock climb or pursue any other form of adventurous (and potentially dangerous) activity while you are away, you also have the option of taking out additional cover for these as well.
Why choose iTrek travel insurance?
iTrek travel insurance is a popular form of insurance for Australian travellers and it’s not hard to see why when you look at all the benefits it offers:
- Cheaper cover – lower premiums due to essential cover without the frills and lower overheads because iTrek operates solely online.
- Easy application and claims process – because you apply online, you can be covered in under five minutes and some claims can be settled with just one phone call.
- Cover for adventurous activities – while many insurers shy away from covering travellers for the sport and leisure activities they pursue while overseas, iTrek provides cover for almost every kind of adventurous activity, from hang gliding and mountain climbing to scuba diving and bungee jumping.
- Unlimited medical and hospital cover – unlike some insurers, iTrek covers you for unlimited medical and hospital cover and in some countries you really need this, as hospital stays can be thousands of dollars a day.
- Longer cover – iTrek gives you the option of cover for up to 18 months, so you can go further and do more, while still being fully covered.
iTrek benefits comparison
As you will see in this comparison of the four iTrek travel insurance policies (Pioneer, Adventurer, Trekker and Wanderer), Pioneer offers luggage and trip cancellation cover that the other policies do not, but all policies offer unlimited medical and hospital cover and also legal liability cover.
- Overseas emergency medical assistance and hospital expenses - unlimited cover provided in all policies
- Overseas dental expenses – up to $500 in all policies
- Additional accommodation and travel expenses - $10,000 for singles and $20,000 for families in all policies except Wanderer, which provides $5,000 for singles and $10,000 for families
- Return airfare cover - only in Pioneer ($2,000 for singles and $4,000 for families)
- Resumption of journey cover - only in Pioneer ($5,000 for singles and $10,000 for families)
- Hospital cash allowance - $5,000 for singles and $10,000 for families in all four policies.
- Travel documents, credit cards and travellers cheques cover - only in Pioneer ($5,000 for singles and $10,000 for families)
- Theft of cash - only in Pioneer ($250 for singles and $500 for families)
- Luggage and personal effects - in Pioneer and Adventurer ($5,000 for singles and $10,000 for families)
- Luggage and personal effects delay expenses - only in Pioneer ($250 for singles and $500 for families).
- Cancellation fees and lost deposits – in Pioneer (unlimited), Adventurer ($15,000 for singles and $30,000 for families) and Trekker ($10,000 for singles and $20,000 for families), but not offered in Wanderer
- Travel delay expenses – only in Pioneer ($2,000 for singles and $4,000 for families)
- Alternative transport expenses – only in Pioneer ($5,000 for singles and $10,000 for families).
- Personal liability – offered in Pioneer ($2.5 million), Adventurer ($2 million) and Trekker and Wanderer ($1 million).
iTrek pre-existing medical conditions
Most insurers will not cover you for pre-existing medical conditions, other than those listed in their Product Disclosure Statements. A pre-existing medical condition can be defined in any of the following ways:
- An ongoing medical condition, complications or symptoms that you are aware of
- A medical condition that you are being treated or have been treated for by a doctor
- A condition that is being treated with prescribed medication
- A condition you have had surgery for at some time.
Pre-existing medical conditions that are usually not covered include:
- Cancers or secondary cancers
- Conditions relating to surgery
- Chronic or recurring pain
- Some kinds of mental illness
- Cardiovascular or cerebrovascular disease
- Organ transplants
- Any condition with less than two years life expectancy.
In the case of iTrek travel insurance, pre-existing medical conditions that are automatically covered are those listed in their PDS and they include everything from asthma and cataracts to gastric reflux and osteoporosis. If you have a pre-existing condition that isn’t listed however, you should call iTrek to discuss whether coverage can be obtained.
iTrek Wanderer Travel Insurance general exclusions
Exclusions are circumstances in which insurers will not honour a claim and like pre-existing conditions, they are listed in the Product Disclosure Statement. In the case of iTrek travel insurance, circumstances in which cover will be voided include:
- If you fail to act responsibly in protecting yourself and your property
- If you fail to do everything you can to reduce your loss
- If you are not a resident of Australia
- If you are claiming for what is known as a ‘consequential loss’, such as loss of enjoyment
- If you are claiming for losses incurred because of carrier or provider insolvency
- If your loss is recoverable through some other means, such as compensation
- If your loss is a result of failure to obtain the right travel documents
- If you break the law or any government regulations, including visa requirements
- If you are claiming for something that has been destroyed or confiscated by a government body
- If you are claiming for a motorcycle accident and you don’t have a current Australian motorcycle licence
- If your claim is due to an epidemic or pandemic
- If you ignored a government warning not to travel
- If your claim is related to an act of war, military coup or insurrection
- If your claim is nuclear-related
- If your claim is related to biological or chemical warfare or terrorism
- If your claim involves pregnancy or childbirth complications
- If your claim relates to suicide or attempted suicide
- If you were under the influence of alcohol or drugs
- If your claim is in regard to the hospitalisation or death of any person over the age of 85 years
- If you scuba dive when not accompanied by a licensed instructor or without an Australian diving licence
- If you travel aboard an airborne craft, other than a licensed passenger aircraft.
Apply for iTrek Wanderer Travel Insurance
iTrek Wanderer Travel Insurance is perfect for those planning an extended overseas trip who know they need insurance, but don’t want to pay an arm and a leg for it. With essential medical and hospital cover, legal liability cover and additional cover available for a range of outdoor activities, it’s the ideal form of travel insurance for the young and young at heart.