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Aussietravelcover Insurance
Our verdict: Generally, Aussietravelcover Travel Insurance has fairly high limits compared to other providers, but our quote research found it to be on the more expensive end.
Summary of Aussietravelcover Top Plus International policy
Overseas Medical and Hospital Expenses
Unlimited
Cancellation and Amendment Fees
Cover chosen
Luggage and Personal Effects
$15,000
Maximum Age Limit
120
Table updated September 2023
How does Aussietravelcover cover COVID-19?
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
Cancellation costs and lost deposits due to any unforeseeable COVID-19 related event
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.
What policies does Aussietravelcover offer?
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.
Here's a breakdown of Aussietravelcover Travel Insurance 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
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.
How to make an Aussietravelcover claim
Create an account to submit your claim via the Aussietravelcover website. Alternatively, you can call 1300 932 861 or email atcclaims@tmnfatravelinsurance.com.au.
Here's the bottom line about Aussietravelcover Insurance
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.
With Aussietravelcover, there is no limit on the number of accompanied children travelling on a policy, but the children must meet the definition of dependant. For Aussietravelcover, that means your children or grandchildren who are under 25 when you buy your policy, are financially dependent on their parents or grandparents, are not working full time, are travelling with you for your entire journey, and are listed on the certificate of insurance as dependents.
Unfortunately, no. Aussietravelcover does not provide protection for any claims arising from financial collapse, including airlines, accommodation providers, tour operators or car rental agencies..
Request travel insurance quotes and compare policies
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
Nicola's expertise
Nicola has written 237 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
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
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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