Ouch Travel Insurance deals for January 2019

Save on your cover with Ouch Travel Insurance deals, discounts and other savings.

Ouch Travel Insurance provides low-cost travel insurance available for purchase online. Policyholders can file claims online and have access to discounted premiums when applying online.

Ouch Travel Insurance discount codes and coupons

Oops! Ouch travel insurance is not currently available via finder. You can visit their website for more information or check out other travel insurance deals available on finder.com.au below.

Interested in other travel insurance discounts?

Medibank Travel Insurance  Deals Medibank Travel Insurance Deals

15% off travel insurance + chance to win $1000 gift card

Medibank customers can save on the next travel insurance policy plus have a chance to win one EFTPOS gift card. T&Cs apply

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Tick Travel Insurance Tick Travel Insurance
Exclusive

Get 5% off all Tick travel insurance policies

Want to save more on your Tick travel insurance policy? Just enter this code to receive a 5% discount on your cover to destinations like Bali, New Zealand, USA, Europe, Thailand, Fiji, Vietnam and more.

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InsureandGo InsureandGo

10% off travel insurance

Use the coupon code and save 10% on your travel insurance policy.

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Budget Direct Travel Insurance Deals Budget Direct Travel Insurance Deals

15% off travel insurance + chance to win $10,000

Save on your policy to destinations worldwide, including Bali, Thailand, the US, UK, New Zealand and more when purchased online. Plus, have a chance to win a $10,000 cash prize.

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1Cover 1Cover

Up to $50 off annual multi-trip policies

Purchase an annual multi-trip policy and save up to $50

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YouGo Travel Insurance Deals YouGo Travel Insurance Deals
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Save 10% on YouGo travel insurance

Get 10% off your YouGo travel insurance cover with this exclusive coupon code. Offer available for a limited time only!

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Travel Insurance Direct Travel Insurance Direct

Your chance to win $1,000

Get a travel insurance policy before 31 January and your chance to win $1000 each week in December and January.

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Popular Travel Insurance Deals - Coupons coupon codes

Last checked Code description Code
5 Jan 2019 Get 5% off all Tick travel insurance policies fin****
7 Jan 2019 10% off travel insurance Off****
16 Jan 2019 15% off travel insurance + chance to win $10,000 SAV****
5 Jan 2019 Get 5% off travel insurance with Fast Cover COU****
5 Jan 2019 Save 10% off travel insurance ADV****
11 Jan 2019 15% off travel insurance + chance to win $1000 gift card ********

Policies available from Ouch Travel Insurance

International

There are four international policies available from Ouch Travel Insurance: Premier Plus, A Travel Plan, B Travel Plan and C Travel Plan. The only difference between the Premier policy and the other international travel plans is that the Premier option offers cover for post-hospital accommodation, stolen cash, funeral expenses and total permanent disability. Cover includes:

  • Unlimited overseas medical assistance and hospitalisation expenses
  • Unlimited expenses for repatriation
  • Accidental death
  • Total and permanent disability (Premier only)
  • Unlimited cancellation fees and lost deposits
  • Post-hospital accommodation expenses (Premier only)
  • Hospital cash allowance
  • Additional expenses
  • Emergency travel expenses
  • Option to resume an interrupted journey
  • Travellers cheques and travel documents
  • Theft of cash (Premier only)
  • Travel delays
  • Missed connections
  • Funeral expenses (Premier only)
  • Luggage, personal effects and travel documents
  • Personal liability up to $3 million
  • Legal expenses
  • Car rental excess

Australian Comprehensive

This policy is designed for local travel and cruise holidays in Australian waters. Benefits include:

  • Cancellation costs
  • Emergency travel arrangements
  • Medical and dental expenses incurred while on a cruise holiday
  • Evacuation and repatriation
  • Travel delay
  • Rental vehicle excess
  • Luggage and personal effects
  • Credit and debit card fraud
  • Personal liability up to $300,000
  • Financial default

Annual Multi-trip

Valid for a period of one year, this policy provides full cover and can be upgraded with additional cover for snow sports, valuable items and pre-existing medical conditions. Trips must not exceed 60 days each. Your benefits include:

  • Unlimited overseas medical assistance and hospitalisation expenses
  • Unlimited expenses for repatriation
  • Accidental death and disability
  • Unlimited cancellation fees and lost deposits
  • Hospital cash allowance
  • Additional expenses
  • Option to resume an interrupted journey
  • Travellers cheques and travel documents
  • Theft of cash
  • Travel delays
  • Luggage, personal effects and travel documents
  • Personal liability up to $3 million
  • Legal expenses
  • Car rental excess

Pros and Cons of Ouch Travel Insurance

Pros

  • Underwritten by QBE Insurance
  • Varied international policies
  • Local and frequent traveller options available
  • Points for Qantas Frequent Flyer members
  • Option to purchase extra cover for pre-existing medical conditions
  • 25% discount for policies purchased online
  • 24/7 worldwide assistance from QBE Assist
  • Ability to resume an interrupted trip

Cons

  • Some pre-existing medical conditions excluded
  • Non-residents not eligible for policies
  • Age limit of 65 years

How do I apply for Ouch Travel Insurance?

  • Compare policy options. Your choice of policy depends on the nature of your holiday, so whether you’re travelling locally or internationally, choose a policy that provides the right kind of cover.
  • Receive an online quote. For an idea of how much you’ll be paying in premiums, enter your holiday and personal details into the online calculator.
  • Read the PDS. All the details about the various policies are listed in the policy disclosure statement (PDS). Be sure that the policy you choose matches your needs.
  • Additional options. Check to see whether your policy can be upgraded with extra cover like increased excess and insurance for sports equipment and valuable items.

How do I make a claim with Ouch Travel Insurance?

  1. Submit the claims form. You have the choice of submitting a claims form online or downloading it and sending it to the insurer via the post. Make sure that it’s filled in correctly – an incomplete form won’t be processed.
  2. Provide the necessary information. Besides the claims form, you should also have the following at hand:
    • Your policy number
    • Contact and travel details
    • Supporting documentation including medical and police reports, receipts, etc.
  3. Paying the claim. Claims will be paid to you or your personal representative in Australian dollars at the exchange rate prevalent at the time of the incident. If you’ve provided false information or attempt to defraud the insurer, your claim will not be paid.

Ouch Travel Insurance FAQ

  • Who is QBE Assist?
    • QBE Assist coordinates medical evacuation and repatriation to Australia for policyholders. This is an international service that works in conjunction with numerous hospitals, healthcare groups and other service providers.
  • Which additional cover options are available?
    • Extra cover options are available for an additional premium. Options include Snow Sports Cover, Additional Rental Vehicle Excess, and Specific Item Cover.
  • Who can buy these policies?
    • Cover is available to Australian residents and must be purchased before the beginning of the trip. Travellers must be under 65 years of age at the time of application.
  • Can I extend my policy?
    • The policy can’t be extended beyond the period of insurance shown on your original Certificate of Insurance. This policy can be purchased for a maximum duration of 12 months. Changes can’t be made to the policy without the insurer’s consent.
  • In the case of loss or theft, how does depreciation work?
    • Different depreciation rates apply depending on the item, and are effective for each year you’ve owned the item up to a maximum of 80% of the original purchase price. For example, if your GPS watch worth $400 is stolen, your pay-out will be calculated using the depreciation rate of 10% for each year you’ve owned it. After two years, you would receive $320 in compensation.
  • Who underwrites Ouch Travel Insurance?
    • Ouch travel insurance policies are underwritten by QBE Insurance. In an emergency, assistance will be provided by QBE Assist, an international service that works in conjunction with numerous hospitals, healthcare groups and other service providers.
  • Can I cancel my Ouch Travel insurance policy if I’m not happy with it?
    • You have a 14-day cooling-off period during which you can cancel your policy and receive a full refund as long as you haven’t left on your trip or filed a claim.

Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

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