Cheap Travel Insurance

cheaptravelinsurancelogoStraight forward travel insurance that provides essential cover for as little as $43.

Cheap Travel Insurance offers a broad range of benefits at an affordable price for those travelling to common destinations in Europe, Asia and the United States. For under $100 you can get peace of mind knowing that you are prepared for any mishaps or unforeseen events you might encounter on your overseas adventure.

Additional protection is offered to Cheap Travel Insurance members through their 24/7 emergency assistance service, which can provide directions to the nearest medical or consular facilities.

Compare travel insurance policies from Cheap Travel Insurance


Cheap Travel Insurance Base Plan core features

Find out what Base Plan will cover you for and the amount you stand to receive on claims.

FeatureCover Amount
  • Overseas medical and hospital expenses
Unlimited
  • Medical evacuation costs
Unlimited
  • Additional expenses cover
Unlimited
  • Luggage and personal effects
$2,500
  • Cancellation cover
$1,500
  • Personal liability cover
$1 million
  • 24/7 worldwide coverage
Yes

Who is Cheap Travel Insurance underwritten by?

Cheap Travel Insurance is underwritten by Lloyd's of London, one of the oldest and most well known insurers in the world. As of 2014 they have underwritten $2 billion worth of premiums, and offer their services to businesses in more than 200 countries and territories around the globe.

Benefits of being covered by Cheap Travel Insurance

  • Medical expenses incurred overseas. Cheap Travel Insurance provides unlimited cover for overseas medical expenses including hospital treatment and accommodation, doctors bills and ambulance transport. Cover is available for up to a year after you suffer an accidental injury or a sudden illness while overseas.
  • Medical evacuation. Unlimited cover is provided for the cost of your medical evacuation home to Australia.
  • Cancellation costs. If circumstances beyond your control force you to cancel or curtail your trip, such as a relative suffering a serious illness, Cheap Travel Insurance covers the cost of any cancellation fees you must pay or pre-paid deposits that you are unable to recover.
  • Flight delays and cancellations. Cheap Travel Insurance offers financial protection if your flight is cancelled or delayed due to bad weather, natural disaster, riot, hijacking, strike or civil commotion.
  • Additional expenses. This benefit covers the additional expenses you incur when you are unable to continue your journey due to the illness or injury of you or another member of your travelling party.
  • Luggage and personal effects. If your baggage or personal belongings are lost, stolen or damaged during your journey, Cheap Travel Insurance covers the cost of repair or replacement.
  • Luggage delay. If an airline or other carrier accidentally delays your luggage, you will receive up to $500 of cover to help you purchase emergency items to tide you over until your bags arrive.
  • Passports and travel documents. If your passport or travel documents are lost or stolen during your journey, this benefit covers the cost of their replacement.
  • Credit cards. Cheap Travel Insurance also offers $2,000 cover for financial losses if your credit cards are lost, stolen or used fraudulently.
  • Personal liability. $1 million personal liability cover is included if you become legally liable when your negligence causes injury or loss/damage to someone else. This includes cover for your legal costs and any compensation you may be required to pay.

How the claims process works

If you need emergency assistance during your journey, Cheap Travel Insurance’s emergency assistance service can be contacted 24 hours a day, seven days a week from anywhere in the world. You can use this service to:

  • Get assistance in locating the nearest medical facility.
  • Arrange your medical repatriation home.
  • Guide you to your nearest consulate or embassy.

If you are admitted to hospital or you expect to incur medical costs you need to:

  • Contact the insurer’s emergency assistance service as soon as possible.
  • In order to lodge a claim you will need to get a copy of a claim form either online from the Cheap Travel Insurance website or by phoning the insurer.
  • You must complete and sign the claim form and send it to Cheap Travel Insurance within 30 days of your return to Australia.
  • The claim form will need to be accompanied by any relevant supporting documents in English, which will vary depending on the type of claim your lodging. Claims can be submitted by email or post.
 Claim typeDocuments that may need to accompany your claim
  • All claims
  • Proof of your travel dates
  • Credit card statements (where your card was used to purchase travel arrangements).
  • Medical claims
  • A medical certificate from your GP or dentist.
  • Original receipts.
  • A report from your treating doctor.
  • Hospital admission and discharge reports.
  • Luggage claims
  • Proof of ownership.
  • Repair quotes for damaged items.
  • A police report.
  • Boarding pass and luggage tags from the carrier.

Who's eligible for the Cheap Travel Insurance Base Plan?

Cheap Travel Insurance is available to travellers up to 65 years of age who are:

  • Australian citizens or residents.
  • New Zealand citizens with a permanent Australian residential address and who can also access long-term medical care in Australia.

Final things you might want to know about

Is there a cooling-off period?

Yes, if you change your mind about your Cheap Travel Insurance policy for any reason within 14 days of taking out cover, you can cancel your policy and receive a full refund.

Does an excess apply?

Yes, an excess of $100 applies for any one event.

Can I reduce my excess by paying a higher premium?

No, this option is not available from Cheap Travel Insurance.

I’m 70 years old – can I take out cover?

No, you must be 65 years or younger at the time of application in order to take out a Cheap Travel Insurance policy.

Will my pre-existing medical condition be covered?

No, claims that arise due to a pre-existing medical condition are excluded from cover.

Does Cheap Travel Insurance offer cover for domestic trips?

No, Cheap Travel Insurance provides cover for international trips only.

In the event of a claim for cancellation, will the frequent flyer points I used to purchase my flights be covered?

Yes, lost frequent flyer points are covered by Cheap Travel Insurance.

How long does it take for claims to be processed?

Cheap Travel Insurance processes claims within 10 days of receiving a completed claim form and all relevant supporting documentation.

Compare Cheap Travel Insurance policies

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