1300 Travel Insurance Policy Review: Compare 1300 travel insurance policies
1300 Insurance is an Australian insurance company that offers a wide range of cover for Australian individuals, families and businesses. 1300 Insurance offers diverse salon of products including, car, pet, life and travel insurance. All insurance products are available online and have minimal paperwork, making it hassle free to take up the insurance policy you need.
The company is wholly owned by the 1300 Group Pty Ltd. 1300 insurance products are underwritten by Allianz Australia Insurance Limited.
1300 Budget Travel Insurance is designed for those looking for an economical solution to their travel insurance. In order to make this policy as affordable as possible, it has been stripped back to provide the bare essentials but still provide protection for medical and hospital expenses. 1300 Budget Travel Insurance includes cover for:
- Medical Cover
1300 Budget Travel Insurance provides unlimited cover for medical and hospital treatment, giving you protection against unexpected medical costs that you may incur while travelling.
- Personal Liability
1300 Budget Travel Insurance also provides $2 million in personal liability cover for costs associated with injury or damage to a person or property that the policyholder is deemed to be liable for.
- Easy Claims Process
The 1300 travel insurance claims process is straightforward, and policyholders have access to assistance from the 1300 insurance global team 24/7/365.Back to top
Travelling overseas can be an expensive undertaking, which is why it is wise to protect your travel investment. The 1300 Comprehensive Travel Insurance policy protects against an extensive range of travel mishaps, helping policyholders travel with confidence and peace of mind. 1300 Comprehensive Travel Insurance includes cover for:
This policy provides unlimited cover for medical and hospital expenses around the globe. This could be crucial if you get sick while travelling, as the cost of accessing medical care overseas can easily run into thousands of dollars.
- Personal Liability
1300 Comprehensive Travel Insurance also includes a personal liability cover of up to $5 million to cover any costs incurred after injuring someone accidentally while on your trip.
- Lost Luggage
1300 Comprehensive Travel Insurance provides cover for the loss or theft of luggage. The policy provides a maximum benefit of $7,500 for singles and $15,000 for families.
- Additional Expenses
1300 Comprehensive Travel Insurance includes $50,000 cover for additional accommodation expenses and travel expenses incurred due to health problems relating to the policyholder.
1300 Comprehensive Travel Insurance provides unlimited cover for cancellation costs should you have to reschedule your trip due to unforeseen incidents or illness.
Should anything go wrong during your trip overseas, you will be able to access instant assistance from a 24-hour global assistance team that can help you access medical care or organise an emergency evacuation back to Australia.Back to top
1300 Frequent Traveller’s Insurance is designed to provide a hassle free travel insurance solution to people who take multiple trip during any given year. The frequent traveller’s policy allows policyholder to own one policy that covers them throughout the year, saving the policyholder both time and money. 1300 Frequent Traveller’s Insurance includes cover for:
- Cancellation Fees and Lost Deposits
1300 Frequent Traveller’s Insurance provides unlimited cover for costs incurred by the policyholder that are the result of unforeseen circumstances that are outside of the control of the policyholder.
The insurance package comes with unlimited cover for medical expenses to cover multiple trips, and also provides unlimited cover for cancellations and lost deposits.
- Personal Liability
1300 Frequent Traveller’s Insurance covers up to $5 million for personal liability.
- Travel Companion Cover
1300 Frequent Traveller’s Insurance covers your travelling partners and dependent children under the age of 21.
Australia Only Travel Insurance is designed to cover domestic travellers for any misfortunes they encounter on their travels. A lot could go wrong during a domestic trip, so it is better to prepare yourself for the unforeseen by taking up domestic travel insurance that gives you peace of mind. 1300 Australia Only Travel Insurance includes cover for:
- Lost Luggage and Lost Deposits
The Australia Only travel insurance plan comes with various built-in benefits to cater for the risks that could disrupt domestic travel, including cover for delays, lost luggage and lost deposits. Policyholders benefit from up to $7,500 to cover their lost or damaged luggage along with unlimited cover for any cancellation fees.
- Additional Expenses
Also included is an additional cover of up to $50,000 for unexpected additional expenses that may pop up as a result of unforeseen events.
- Personal liability
1300 Australia Only travel insurance provide personal liability cover of up to $5 million to cover for any damages policyholders incur after accidentally injuring someone or damaging property.Back to top
There are several exclusions that apply to your 1300 travel insurance which would result in your claim not being paid.
Claims will not be paid if the claim is the result of:
- Loss of luggage where the policyholder did not protect their property or did not take reasonable measures to reduce the loss
- Any loss recoverable by compensation under worker’s compensation laws, travel accident laws, medical benefit schemes or similar legislation
- Illegal acts
- Failure to obtain relevant travel documents
- Errors and omissions while making travel arrangements
- Failure to follow government travel advisories regarding riots, bad weather, contagious diseases and other similar events.
Your claim will not be paid if it arises from:
- Pre-existing medical condition
- Travel undertaken against the advice of a medical practitioner or injury resulting from a terminal prognosis made prior to your taking up of travel insurance
- Pregnancy or any related conditions
- Treatment for drug and alcohol addiction
- Directly or indirectly from a sexually transmitted disease.
You are required to co-operate with the insurer and inform them of your claim as soon as possible by submitting a claims form to the Client Services Department.
You’ll need to provide supporting evidence for your claim including police reports, medical reports, item valuations and proof of ownership for lost items must accompany your claim form. In addition, you are required to submit all the details of your claim in writing within 30 days of returning to Australia.
Dental, medical and hospital claims should be made with Allianz Global Assistance, while any loss or theft of personal belongings should be reported to the police so you can obtain a written notice to accompany your claim report.
Damage or loss of personal effects or luggage by an airline or accommodation provider should be reported to said party so they can provide you with a written report to be used in your claim processing.
All claims are paid in Australian dollars.Back to top