Ouch Travel Insurance Deals for December 2016

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

Exclusive

Columbus Direct Exclusive Offer - 10% Off All Policies

Receive a 10% discount on your Columbus Direct policy when you apply through finder.com.au. Simply follow the secure link for your 10% discount to be applied.

Exclusive

YouGo Travel Insurance Coupon Code - Save 10% On Your Cover

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

Show code & visit siteYO****

After the store tab opens, come back to copy the code

10% Off American Express Travel Insurance

10% off all new American Express Travel Insurance policies purchased online until the 22nd of December 2016.

10% Off Woolworths Comprehensive Travel Insurance

Get 10% off Woolworths Comprehensive travel insurance policies and a FREE Woolworths Prepaid Visa Gift Card and Global Roaming Sim Card

Show code & visit siteit****

After the store tab opens, come back to copy the code
Exclusive

Go Insurance Exclusive Deal - 10% Off Coupon Code

Apply this coupon code at the checkout when purchasing Go Insurance to receive a 10% discount on your policy.

Show code & visit siteFI****

After the store tab opens, come back to copy the code

Free Visa Prepaid Gift Card and Global Roaming sim

Receive a Free Woolworths Visa Prepaid Gift Card and Global Roaming sim with every Comprehensive Travel Insurance.

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 senior insurance writer at finder.com.au and is on a mission to make insurance easier to understand.

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