Big Sky Travel Insurance

Big Sky Travel Insurance Policy Review

Everyone loves the adventure and excitement of a holiday, regardless of whether it’s a short trip interstate or a big round-the-world getaway. But one thing many of us don’t enjoy thinking about when it comes to our holidays is how we would cope financially if something went wrong, such as if we suffered an overseas medical emergency or if all our luggage and personal effects were stolen.

Big Sky is an Australian financial services organisation. In addition to its banking products, it also offers travel insurance that is designed to offer peace of mind and protection for Australian travellers.

finder.com.au does not currently have access to this travel insurance brand. You may wish to compare options available on the travel insurance homepage.

Who is Big Sky?

Big Sky is an Australian financial services organisation that has been helping Australians with their money for more than 40 years. Just like a lot of other similar companies in Australia, Big Sky was formed by several former credit unions and building societies.

Big Sky originally started out as the BHP Employees’ Credit Co-operative in 1971. Today Big Sky is a subsidiary of the Australian Unity Group. Big Sky is a mutual organisation that works to benefit its members, offering an extensive range of products and services.

In terms of banking, Big Sky provides transaction accounts, savings accounts, home loans, investment loans, personal loans, credit cards Big Sky international money transfers. It also provides financial advice across a broad spectrum, including everything from personal financial planning to self-managed superannuation, corporate superannuation and corporate risk.

From an insurance perspective, Big Sky offers personal risk cover, home and contents insurance, landlord insurance, motor vehicle insurance, caravan insurance, boat insurance, health insurance and travel insurance. It partners with Allianz, a respected global insurer, to offer its travel insurance policies to customers.

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Compare Big Sky Travel Insurance Options

Comprehensive International

This broad-ranging policy provides cover for 16 travel and medical benefits across a single trip. Comprehensive International Insurance offers:

  • unlimited cancellation fees and lost deposits
  • unlimited overseas emergency medical assistance
  • unlimited overseas emergency medical and hospital expenses
  • $50,000 cover for additional expenses
  • a hospital cash allowance
  • accidental death
  • permanent disability
  • lost and stolen travel documents and credit cards
  • theft of cash
  • lost and stolen luggage and personal effects
  • luggage delay
  • travel delay expenses
  • personal liability.

This plan from Big Sky is designed to provide travellers with the highest level of peace of mind. This policy is available for all travellers, but if you’re more than 81 years of age you will need to pay a $5,000 excess when you make a claim relating to a medical condition. Those 81 and over will also only receive a $50,000 benefit limit for cancellation fees and lost deposits, overseas emergency medical assistance, medical evacuation, funeral expenses, and overseas emergency medical and hospital expenses.

Australia Only

Designed for trips within Australia, this single trip policy provides 10 benefits to travellers. It is not a medical plan, but it includes:

  • unlimited cover for cancellation fees and lost deposits
  • $7,500 of cover for luggage and personal effects
  • personal liability cover
  • rental vehicle excess cover
  • travel delay expenses
  • accidental death.

This policy is available for all travellers, but if you’re more than 81 years of age you will need to pay a $5,000 excess when you make a claim relating to a medical condition. Those 81 and over will also only receive a $50,000 benefit limit for cancellation fees and lost deposits, overseas emergency medical assistance, medical evacuation, funeral expenses, and overseas emergency medical and hospital expenses.

Budget Cover

As the name implies, this policy is designed for those who don’t want to spend too much on insurance but would still like to have cover in place against some essential risks. Offering significantly lower premiums than comprehensive cover, this is an international rescue and medical policy for overseas travel. Cover includes:

  • unlimited overseas emergency medical assistance
  • unlimited overseas emergency medical and hospital expenses
  • $5 million of personal liability cover
  • $500 of cover for emergency dental expenses.

This policy is not available to travellers aged 71 years or older.

Frequent Traveller

If you tend to travel a lot, taking out a separate travel insurance policy for each single trip can quickly become quite expensive. But the Frequent Traveller policy is designed with you in mind. It allows you to save money by offering annual cover for all the trips you take over a 12-month period. It offers all the benefits of Comprehensive International Insurance — including cover for medical emergencies, cancellation, luggage and medical repatriation — but it offers great value for money. However, take note that trips can be no longer than 37 days long for leisure travel or 90 days for business travel. This policy is not available to travellers aged 71 years or older.

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Important Matters Concerning Your Policy

When you enter into an agreement with an insurer, both parties in the agreement have certain rights and responsibilities. In order to apply for a policy, you will need to be an Australian resident and purchase your policy before starting your trip. Another requirement is that your journey begins and finishes here in Australia.

A 14-day cooling-off period applies to cover, meaning that you can cancel your cover within 14 days of receiving your certificate of insurance. If you do so, you’ll be refunded any premiums you may have paid.

It’s also important that you fulfil your duty of disclosure when applying for cover. This duty requires you to be completely honest and detailed when you answer questions relating to your insurance application. It’s up to you to furnish your insurer with any information that may influence their decision of the type of cover they will offer you. Breaching your duty may result in your policy being cancelled or your claim amount being reduced.

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Compare Travel Insurance Policies Online

Big Sky’s Travel Insurance is designed to offer financial protection and security for international and domestic travellers. However, it’s important that you compare the benefits, features and limits of Big Sky’s policies with other market offerings to find the best policy for your next holiday.

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