Australian Unity Travel Insurance

Australian Unity teams up with WorldCare and Allianz to give you 7 different travel insurance options.

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Updated Oct 27, 2020

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Important:

Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:

Some policies may not be available through Finder at this time
It’s unlikely that your policy will cover expenses from border closures

With over 175 years of experience, Australian Unity is among the country's oldest mutual companies. They have now partnered up with Worldcare to provide travel insurance.

You can choose from 7 different policy options, from basic to comprehensive, with higher limits for couples and families. You can also get non-medical, domestic and returning residents cover. Find out more below.

Australian Unity travel insurance is not currently available through Finder. You can visit their website at www.australianunity.com.au/insurance for more information or compare alternative options available below.

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Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
International travel insurance is limited and sometimes unavailable at this point.

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What travel insurance policies are available with Australian Unity?

Australian Unity have 7 different travel insurance policies to choose from:

Comprehensive

The top policy includes unlimited cancellation, higher limits for your luggage and personal items as well as rental vehicle excess.

Essentials

This includes all that you get with a Basic policy plus cancellation and luggage cover. You'll also get $3,000 rental vehicle excess.

Basic

This policy includes unlimited overseas emergency assistance, medical and $2.5 million personal liability.

Multi-Trip plan

Covering you for up to 12 months travel, the multi-trip policy provides similar services as the comprehensive policy but saves you from buying more than one policy if you travel frequently.

Domestic

Cancellation, additional expenses, including travel delay and accidental death are all included in a domestic policy.

Non-medical

This policy focuses on cancellation cover, travel delay expenses, luggage and other non-medical related cover.

Returning Residents

This is made for Australian residents who are overseas and want cover for their journey home.

Australian Unity travel insurance review of features

Here are a few of the benefits you could be entitled to with a policy from Australian Unity.

Feature	Comprehensive plan	Essentials plan	Basic plan	Multi-Trip plan	Domestic plan	Non-medical plan	Returning residents plan
Overseas emergency assistance	Unlimited	Unlimited	Unlimited	Unlimited			Unlimited
Overseas emergency medical and hospital expenses	Unlimited	Unlimited	Unlimited	Unlimited			Unlimited
Personal liability	$2.5 million	$2.5 million	$2.5 million	$2.5 million	$2.5 million	$2.5 million	$2.5 million
Cancellation costs	Unlimited	Unlimited		Unlimited	Unlimited	Unlimited	Unlimited
Travel delay expenses	$2,000	$2,000		$2,000	$2,000	$2,000	$2,000
Luggage & personal effects	$10,000	$5,000		$10,000	$10,000	$10,000	$10,000
Travel documents, transaction cards & travellers cheques	$5,000			$5,000		$5,000	$5,000
Theft of cash	$250			$250	$250	$250	$250
Accidental death	$25,000			$25,000	$25,000	$25,000	$25,000
Rental vehicle excess	$3,000	$3,000		$3,000	$3,000	$3,000	$3,000

^{Table was last updated: August 2019}

- Additional expenses. This can cover your accommodation and transport expenses if you get ill or sick and can't continue your journey.
- Personal liability. For whatever reason, if you become legally liable to pay compensation for damaging property or a person that results in injury or death, personal liability will pay the compensation for you.
- Return Airfare. If you get ill during your journey, Australian Unity will in certain circumstances pay for you to return to Australia with a medical escort.
- Rental vehicle excess.>Australian Unity will reimburse you for the excess you need to pay if you are involved in an accident in your car hire when travelling.
- Alternative Transport Expenses. If your scheduled transport is delayed or cancelled - and you would not have otherwise been able to get to a wedding, funeral or other pre-paid event - you can get reimbursed for the travel expenses you used in order to arrive on time.
- Domestic Pets. If you're delayed getting home, you will be reimbursed a specific amount each day for every 24 hour period to cover boarding kennel or cattery fees. They'll also reimburse you for vet fees if your pet suffers an injury while you're away.

Are there any additional cover options?

If you're looking for some more cover options, whether it's skiing or cruise cover, Australian Unity travel insurance comes with the following additional cover options:

Cruise Pack. This add-on provides medical cover for cruises, evacuation cover, cabin confinement, pre-paid shore excursion cancellation and more.
Golf Pack. Get cover for expensive golf clubs, golf green fees if you can't play due to illness and hole in one cover.
Increased Rental Vehicle Excess. If you know you're hiring a car, maybe even planning a road trip, you might consider getting increased rental vehicle excess to make sure you're covered.
Increased Item Limits. If you're travelling with items that exceed your luggage and personal effects cover limits, you can purchase extra cover.
Snow Pack. Available to those aged 74 and under, the snow pack add-on includes emergency rescue, cover for your own snow sport gear or hire equipment, piste closure and a couple other snow related services.

What isn't included in this policy?

A number of exclusions apply to Australian Unity Travel Insurance. Your claim will not be paid if:

Your loss is covered under any other policy or scheme, for example a workers' compensation scheme.
Your claim arises from a pre-existing medical condition.
Your claim is for an accident, illness or disease and you are over 70 years of age.
Your claim is related to pregnancy or childbirth and you are more than 24 weeks along.
You fail to take reasonable care to safeguard yourself or your property.
You fail to take reasonable care to minimise your loss.
Your claim relates to any act of violence or intentional damage by you.
Your claim relates to motorcycling, unless the driver has a current Australian motorcycle licence.
Your claim relates to hunting, racing, polo, professional sports, off piste skiing, diving, hang gliding, rock climbing etc.
You or your travelling companion decide that you simply no longer want to travel.
You ignored a government or mass media warning against travelling to a particular area.
Your claim arises from suicide or attempted suicide.
Your claim is related to sexually transmitted diseases.
It is the result of an unlawful act of you.
It relates to you being under the influence of alcohol or drugs.
It relates to you breaching a government regulation.
It arises because of the insolvency of a travel agent, tour operator or accommodation provider.

Claims and contact details for Australian Unity travel insurance

Claims and contact details

Emergency Assistance: +61 7 3305 7499 (reverse charges)

Make a claim online: Start here https://claimmanager.com.au/aga/agreement

Make a claim over the phone: 1300 726 087

Make a claim over email: travelclaims@worldcare.com.au

General enquiries: 1800 008 614

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Zahra Campbell-Avenell

As Head of Publishing and Editorial for Finder in Australia, Zahra Campbell-Avenell leads a team of experts to deliver on Finder's mission to help people make better decisions with their money. Zahra has over 12 years of experience in editorial content, and a Bachelor of Arts in Anthropology and English from Georgetown University in Washington DC.

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2 Responses

RoslynMarch 20, 2015

I wish to speak with someone about travel insurance, I did get a quote for the 3 trips I am taking overseas this year but have mislaid those quotes.
First trip Prague then Phuket in April, 2nd trip to Canada and USA and third trip Singapore and cruise back to Sydney. I was told you do not do annual policies.
Could someone ring me about the quotes, perhaps you have them in your system?
I belong to Australian Unity for health insurance.
Many thanks
Roslyn

finder Customer Care

ShirleyMarch 20, 2015Staff

Hi Roslyn,

Thanks for your question.

Please note that finder.com.au is an online comparison service and does not represent Australian Unity Travel.

Please speak to a member of the customer service team at Australian Unity Travel Insurance, they will able assist you further.

Cheers,
Shirley