Australian Unity
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Australian Unity Travel Insurance

Our verdict: While Australian Unity has some good customisation options and extends cover to under 18s, it’s lacking in COVID-19 protection.

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Pros

  • Australian Unity was one of the few providers we found which offered policies to under 18s, although a parent or guardian may need to contact the insurer on their behalf.
  • There are a range of customisation options, including adding pre-existing medical conditions, covering snow sports, and extending cover for cruising.

Cons

  • Although there is some cover for COVID-19, it’s limited. There are better options on the market.
  • Cover for pregnancy ends after the 24th week, but we found 10 brands that extend cover for longer.
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Summary of Australian Unity International Comprehensive policy

Overseas Medical and Hospital Expenses$20,000,000
Cancellation and Amendment FeesCover chosen
Luggage and Personal Effects$10,000
Maximum Age Limit120

Table updated October 2023

How does Australian Unity Travel Insurance cover COVID-19?

Australian Unity offers some protection for claims related to COVID-19, but it’s not the strongest offering on the market. Here’s what you can expect:

  • Emergency assistance, medical costs and hospital expenses if you need treatment for COVID-19 while on your trip.
  • Cancellation or amendment costs if you or your travelling companion are diagnosed with COVID-19 and have to cancel or reschedule your trip.
  • Additional expenses, such as transport or accommodation costs, if you or your travelling companion are diagnosed with COVID-19 while on your trip.

There are some scenarios that are not covered by Australian Unity, including costs incurred if your accommodation, transport, or pre-arranged activity cancels due to COVID-19.

Also, if you were diagnosed with COVID-19 before heading on your trip but you went anyway, you won’t be covered for any COVID-related expenses.

What policies does Australian Unity offer?

Australian Unity offers five insurance policies to travellers. Comprehensive, Essentials, Domestic, Multi-Trip and Non-Medical.

Travel plane luggage passport

Comprehensive

Passport

Essentials

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Domestic

Hiking

Multi-Trip

Map

Non-Medical

The insurer of this product is Allianz Australia Insurance Limited. It comes with a cooling-off period of 14 days and choice of $200 standard excess for international plans.

Here's a breakdown of Australian Unity Travel Insurance features

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Standard features

These are some of the main insured events that Australian Unity will cover. Some of these benefits may only apply on the comprehensive international policy.

  • Overseas emergency assistance
  • Overseas medical and hospital expenses
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Theft of money or travellers cheques
  • Luggage and travel delay
  • Emergency dental costs
  • Rental vehicle excess
  • Personal liability
  • Permanent disability
  • Accidental death

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Optional add-ons

Australian Unity also offers three add-ons that provide cover for a wider range of risks.

  • Adventure Pack. Covers you for participation in a range of higher-risk activities, including trekking the Kokoda Trail, deep sea fishing, and riding a motorcycle with the appropriate licence.
  • Cruise Pack. Extends your insurance policy to cover cruises and a range of cruise-specific risks including cabin confinement, shore excursion cancellations, and marine rescue.
  • Snow Pack. Extends your cover to include participation in snow sports, plus a range of specific risks such as piste closure, avalanches, and equipment hire.
  • Increased Item Limits Cover. Increase the claimable limits for specific items. Great if you’re travelling with high-value items.

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Exclusions

Unfortunately, travel insurance doesn’t cover everything. Generally, Australian Unity 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
  • An act of war, invasion or revolution
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications after the 24th 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

This is not an exhaustive list. Make sure you review the Australian Unity PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make an Australian Unity Travel Insurance claim

You can submit your claim online, via the Allianz Claims Portal.

You’ll need your policy number, personal details, any supporting documentation for your claim (such as receipts, police reports, or flight details) and your bank account details for payment of the claim.
If you need help, you can call Australian Unity on 1300 130 935 or 13 29 39.

Here's the bottom line about Australian Unity Travel Insurance

Australian Unity offers a broad range of customisation options, making it suitable for a variety of travellers and trips. It’s also one of the few brands we’ve found to offer cover to under 18s.

However, protection for risks related to COVID-19 is limited. In most cases, you or your travelling partner will need to be diagnosed with COVID-19 to claim anything back.

If you're still not sure about Australian Unity, you can compare other travel insurance companies here.

Frequently asked questions

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2 Responses

    Default Gravatar
    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

      AvatarFinder
      ShirleyMarch 20, 2015Finder

      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

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