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Does travel insurance cover loss of income?

It sure can. Find travel insurance to cover loss of income.

Updated

Aug 22, 2023

Fact checked

Many comprehensive travel insurance policies include a loss of income benefit. Under the benefit, you’ll receive an ongoing weekly benefit if you are injured during your journey and are then unable to return to work when you get home. A regular income while you are unable to earn a living, can provide the financial assistance you need to keep your head above water and focus on recovering.

What you need to know

The loss of income benefit covers you if you’re seriously injured, and unable to return to work when you get back home. You can be covered for that lost income.
Illness is usually excluded from this benefit.
Loss of income is a common benefit found in most travel insurance policies.

How does travel insurance protect me?

If you're injured on your travels and can't return to work, then travel insurance can provide you with:

A substitute income up to a maximum specified amount
Cover for an extended period of time
Payments on weekly basis or monthly basis

In order to qualify for loss of income cover you'll typically need to satisfy the following conditions:
- Disablement from the injury within occurs a certain time frame. This is usually 30 days or 90 days.
- Disablement must continue for more than 30 days.The disablement must continue for more than 30 consecutive days following your return to Australia (or from when you originally planned to return to work)
- You must be unable to return to previous work. As a result of your disablement, you are unable to return to your previous work or suitable alternative work
- Medical certification. You must be under the regular care of a medical adviser and act in accordance with that adviser’s instructions. You will most likely also need the adviser to provide written confirmation that your disablement prevents you from gainful employment.
- Centrelink payment may be deducted from the payment. Any benefits you receive through Centrelink or other insurance will be deducted from your payment.
- Look for a comprehensive policy. Loss of income is typically not included in basic policies.

Which brands cover loss of income?

Provider	Maximum covered?	Payment length	Cover for dependents?	Conditions	Apply
Medibank	$10,000	Up to 6 months	No	No payment for the first 30 days after you originally planned to resume your work in Australia	Bonus Get quote
ahm	$10,000	Up to 6 months	No	No payment for the first 30 days after you originally planned to resume your work in Australia	Bonus Get quote
InsureandGo	$10,400	Up to 26 weeks	No	We will not pay for the first 28 days of your disablement from the time you return home	Finder AwardBonus Get quote
Kogan	$45,000	Up to 6 months	No	No payment for the first 15 days after you originally planned to resume your work in Australia	Bonus Get quote
Tick	$10,400	Up to 6 months	No	No payment for the first 30 days of disablement from the time you return to Australia	Bonus Get quote
Zoom	$10,400	Up to 26 weeks	No	No payment for the first 30 days of disablement from the time you return to Australia	Get quote
Fast Cover	$10,400	Up to 26 weeks	No	No payment for the first 30 days of disablement from the time you return to Australia	Finder AwardBonus Get quote
World2cover	$10,400	Up to 26 weeks	No	No payment for the the first 4 consecutive weeks of Loss of Income after you planned to resume your original employment	Get quote
Cover-More	$45,000	Up to 6 months	No	No payment for the first 15 days after you originally planned to resume your work in Australia	Bonus Get quote
Southern Cross	$6,500	Up to 13 weeks	No	No payment for the first 30 days after the day you would have returned to your job	Finder Award Get quote
Travel Insurance Saver	$10,000	Up to 6 months	No	No payment for the first 30 days after you originally planned to resume your work in Australia	Get quote
Easy	$10,400	Up to 6 months	Yes	No payment for the first 30 days after you originally planned to resume your work in Australia	Get quote

^{Table updated August 2023}

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What conditions are not covered by travel insurance?

Some providers will exclude disability as a result of illness from loss of income cover. Other common exclusions are:

No cover for any loss of income as a result of your death
No cover for the first 30 days after you planned to return to work
No cover if you do not become disabled within 30 days of the injury
The benefit will only be paid for a limited time period, for example a maximum of 26 weeks
No cover if your injury is covered by any other insurance or statutory benefits
No cover for the loss of income of your dependents

What should I do if I’m injured overseas?

There are several things you can do to ensure that you receive the best possible care if you’re injured overseas, including:

Notify your insurer. You need to notify your insurer of any incident that may lead to a claim as soon as possible. You’ll usually need to fill out a claim form and your insurance provider will advise you of any other steps you need to take.
Get reports. If you’re caught up in an incident that involves the police, get a written copy of any police report. Ask your doctor for a medical report that includes the date of the accident, the injuries you received and any treatment.
Keep your receipts. In some cases your insurer will cover all your medical bills upfront, but in other situations you’ll need to pay for some expenses out of your own pocket and claim them back later. Make sure to keep receipts for everything.
Comply with your insurer’s requests. If your insurance provider requests additional information or documents to support your claim, make sure you provide them as soon as possible.

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FAQs about loss of income

Thank you for your feedback!

Jessica Prasida

Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification.

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Does travel insurance cover loss of income?