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Boomers Travel Insurance

Our verdict: Boomers Travel Insurance covers travellers of all ages plus you can enjoy free cover for your kids and grandkids.

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Pros

  • Boomers Travel Insurance matches some of the top travel insurance providers' cover limits. Enjoy unlimited cover for overseas medical expenses as well as the choice of unlimited cover for cancellation costs.
  • This provider offers a generous additional expenses allowance of up to $25,000 on its domestic policy and $50,000 on its international policy.

Cons

  • We're not overly impressed with Boomers' Essentials policy. While it is certainly a budget option, it misses out key cover including accidental death and can only be taken out by travellers who are 74 and under.
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Summary of Boomers' Comprehensive policy

Overseas medical and hospital expensesUnlimited
Cancellation and amendment feesUnlimited
Luggage and personal effects$15,000
Maximum age limit75

Table updated October 2022

How does Boomers Travel Insurance cover COVID-19?

If you’re worried about COVID-19 ruining your travel plans, Boomers has got you covered. Some of the highlights of its cover include:

Overseas medical and hospital expenses if you are diagnosed while on your trip
Pre-trip and on-trip cancellation costs if you or your travelling companion are diagnosed
Additional expenses incurred including travel and accommodation costs
Medical expenses while cruising including ship to shore evacuation cover (if Cruise Pack is purchased)

On top of Boomers’ extensive COVID-19 coverage, you could be up for a partial premium refund if you need to cancel or shorten your trip due to a COVID-19 border closure or mandatory quarantine period.

Some exclusions do apply, however, so it’s important to review the Boomers Product Disclosure Statement (PDS) to ensure you’re covered for everything you have planned on your trip.

To find out more about what to expect from providers and which pandemic expenses can be claimed, we've compared providers that offer cover for COVID-19 here.

What policies does Boomers offer?

Boomers offers 4 different insurance plans: Comprehensive, Essentials, Domestic and Multi-Trip. Each of these can be purchased for 1 traveller, 2 travellers or an entire family. Boomers also offers a Non-Medical plan which covers 1 insured person only.

Travel plane luggage passport

Comprehensive

Passport

Essentials

Luggage

Non-Medical

Hiking

Annual Multi-trip

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Domestic

Boomers Travel Insurance is underwritten by Allianz Australia Insurance Ltd. It comes with a cooling-off period and choice of base excess.

The cooling-off period is 14 days which means if you decide you no longer want your policy, you can cancel it within this period and get a full refund. The base excess is an amount that may be deducted from any payment when you claim for an insured event.

Here's a breakdown of Boomers Travel Insurance features

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Standard features

These are some of the features that Boomers will cover you for if something goes wrong on your trip. Some of these are only available under certain plans (e.g. the Comprehensive policy vs the Non-Medical one.

  • Accidental death
  • Additional expenses including accommodation or travel expenses
  • Alternative transport expenses
  • Cancellation
  • Luggage, personal effects and valuables
  • Overseas medical and hospital expenses
  • Permanent disability
  • Rental vehicle excess
  • Travel delay expenses
  • Travel documents and transaction cards

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Optional add-ons

In addition to the standard features outlined above, the International Comprehensive, Domestic and Multi-trip plans allow you to include the following options by paying a bit extra:

  • Adventure Pack. This is one for the thrill-seekers and active travellers. It extends your cover to risky activities including abseiling, zip lining, quad biking and more.
  • Cruise Pack. Extends your medical cover to cruise travel, includes ship to shore evacuation fees, and reimburses you for cabin confinement and formal attire damage.
  • Increased Item Limits Cover. If you're travelling with expensive items like a camera, jewellery or laptop, make sure that the included value is enough by checking the PDS. If not, Boomers lets you add more.
  • Snow Pack. Covers activities like skiing or snowboarding for your own and rented snow sport equipment, piste closure and closure due to bad weather and avalanches.

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Exclusions

Some exclusions are specific to the plan you purchase, but here are some general exclusions to consider:

  • You being under the influence of alcohol or drugs at the time of the incident.
  • Claims which arise while you're doing anything illegal or criminal.
  • Pregnancy or complications beyond the 24th week of your pregnancy.
  • You choose to use private medical treatment where publicly funded services or treatment is readily available.
  • Claims involving pre-existing medical conditions which you haven’t advised Boomers about.
  • Intentional self-harm or your suicide or attempted suicide.
  • Riding a quad bike or travelling as a pillion passenger on a motorcycle, moped or motorised scooter, unless you’ve purchased the optional Adventure Pack.
  • Participating in professional sport of any kind (including professional racing on foot).

Make sure you review Boomers’ PDS for a detailed breakdown of what won’t be covered, found under its list of general exclusions.

How to make a Boomers Travel Insurance claim

Making a claim with Boomers Travel Insurance is easy and the whole process can be done online in 15–30 minutes. Remember to keep any supporting documents such as medical records, police reports or receipts to help your claim go through smoothly.

  1. Head to https://claimmanager.com.au/aga/agreement
  2. Enter your policy number, full name and date of birth to log in
  3. Complete your claim details by answering all sections
  4. Upload any supporting documents relevant to your claim
  5. Submit, and your claim should be processed within 10 business days

Here's the bottom line about Boomers Travel Insurance

Boomers Travel Insurance is designed to cover travellers who are young at heart. It offers policies with no age limits, online medical screening for pre-existing conditions, free cover for dependants up to 25 years old and a range of optional extras for your trip.

There are a few things to watch out for though. If you’re a senior traveller and are keen to participate in adventure activities while away, you’ll want to read the fine print. Both the Adventure Pack and Snow Pack are only available for those under 75 years of age. If you’re looking to save a bit on your premium, the Essentials policy comes with more exclusions than you might have bargained for so you should review the PDS carefully.

If you're still not sure about Boomers, you can compare it to other travel insurance companies here.

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