Pros
- Over 30 pre-existing medical conditions are covered as standard and Aussietravelcover will consider covering others for an additional fee.
- Aussietravelcover has strong benefits for COVID-19, including medical costs, additional accommodation and cancellation expenses.
Cons
- There isn’t a lot of information about lodging a claim with Aussietravelcover, which may make the process a little tricker for some travellers.
- We requested a number of quotes from Aussietravelcover and found policies were on the more expensive end.
| Overseas Medical and Hospital Expenses | Unlimited |
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| Cancellation and Amendment Fees | Cover chosen |
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| Luggage and Personal Effects | $15,000 |
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| Maximum Age Limit | 120 |
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Table updated September 2023
Aussietravelcover’s Top Plus International policy offers broad cover for risks related to COVID-19, including:
- Overseas medical, hospital and emergency expenses
- Overseas funeral costs or transport of your remains home
- Expenses for your dependants to be flown home if you’re unable to care for them
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- Cancellation costs and lost deposits due to any unforeseeable COVID-19 related event
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- Additional expenses due to any unforeseeable COVID-19 related event
There are some scenarios that are not covered by Aussietravelcover including costs incurred after you chose not to follow medical advice or if a government isolation order is imposed.
Aussietravelcover offers four policies - Top Plus International, Basic International, Multi-Journey and Domestic.
Top Plus International
Basic International
Multi-Journey
Domestic
The insurer of this product is Tokio Marine & Nichido. It comes with a cooling-off period of 21 days and choice of $150 standard excess for international plans.
Standard features
These are some of the main insured events that Aussietravelcover will cover. These benefits apply across all international policies.
- Overseas medical treatment
- Lost, damaged or stolen property
- Trip cancellation or amendment
- Additional accommodation and transport
- Theft of money
- Luggage and travel delay
- Emergency dental costs
- Kidnap and hijack
- Personal liability
- Accidental death
Optional add-ons
Aussietravelcover also offers three add-ons that provide cover for a wider range of risks.
- Snow pack. Covers you if you’re injured while on the slopes, plus a range of snow-specific risks like damaged equipment.
- Cruise pack Convert your policy to cover cruises and get a range of additional cruise-related benefits including cabin confinement and missed ports.
- Motorcycle, moped and scooter cover.Cover for injuries as a result of driving or riding on a motorcycle, moped and scooter, as long as you meet the requirements.
Exclusions
Unfortunately, travel insurance doesn’t cover everything. Generally, Aussietravelcover will not pay your claim if it relates to:
- Unlawful, wreckless or unreasonably unsafe behaviour by you
- Behaviour while you were drunk or under the influence of drugs
- Expenses related to a pre-existing medical condition, unless listed on your policy
- An act of war, invasion or revolution
- Insolvency of a travel agent, tour operator or accommodation provider
- Mandatory quarantines or isolations
- You being unfit to travel or travelling against medical advice
- Childbirth or pregnancy complications after the 25th week of gestation or if you have had previous pregnancy complications
- An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
- Self-inflicted injury or illness, suicide or attempted suicide
Make sure you review the Aussietravelcover PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.
Create an account to submit your claim via the Aussietravelcover website. Alternatively, you can call 1300 932 861 or email atcclaims@tmnfatravelinsurance.com.au.
Aussietravelcover offers good benefits and has one of the most comprehensive approaches to COVID-19 we’ve seen. However, the dated website doesn’t make for a seamless experience and prices may be a little higher than you expect.
If you're still not sure about Aussietravelcover, you can compare other travel insurance companies here.
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Hi Marina, thanks for your inquiry!
This would depend on whether your mother’s travel insurance covers the domestic cruise from Sydney to Moreton Island in Queensland.
Would it be possible to provide us with the travel insurance policy name and travel insurance policy provider? We’d be happy to look into it for you.
Best,
Jonathan