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.
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.
Compare your travel insurance quotes
Compare travel insurance quotes from 15
brands – that’s more than any other site in Australia.
Got a quote before?
What policies does Australian Unity offer?
Australian Unity offers five insurance policies to travellers. Comprehensive, Essentials, Domestic, Multi-Trip and 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.
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
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.
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
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.
Frequently asked questions
You can purchase Australian Unity travel insurance up to 12 months in advance of your trip.
Australian Unity’s Comprehensive, Domestic, Non-Medical, and Cruise plans are available to travellers of all ages. However, the Essentials, Multi-Trip and Snow, and Aventure Plans are only available to travellers aged under 75.
To amend your travel insurance policy, call Australian Unity on 1300 130 935 (Weekdays 8:30am to 5.30pm AEST).
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio
Nicola's expertise
Nicola has written 249 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
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
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.
A long-term trip to Europe requires a visa and travel insurance of least €30,000 in medical benefits. Protect yourself from common travel concerns by reading Finder's comprehensive guide.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
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
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