If you book your flights using FlyBuys, Coles Travel Insurance offers 24/7 emergency assistance, unlimited medical cover on all overseas policies and automatically includes extras like ski, motorcycle and cruise cover. The policies are backed by Cover-More, which has been helping Australians for over 30 years.
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Why should I consider Coles Travel Insurance?
Coles Travel Insurance is a convenient option for travellers booking their travel using FlyBuys. The policies are simple, straightforward and easy to understand. There are only three options to choose from, which can help you avoid analysis paralysis. The policies automatically cover many activities that other insurers make you pay for, including skiing and cruising.
The insurer for Coles Travel Insurance is Zurich Australian Insurance Limited and is underwritten by CoverMore.
What policies does Coles offers?
- Domestic travel insurance. If you’re staying within Australia’s borders, Coles domestic travel insurance offers bare-bones bones policy, covering you if you have to cancel your trip or if your luggage or travel documents get lost, stolen or damaged.
- International cover. This is the basic form of international travel protection, covering you for trip cancellation, medical emergencies, lost luggage and emergency accommodation.
- International comprehensive cover. This is a step up from international cover, giving you protection for everything international cover does plus more, including theft of money, loss of income and disability protection.
What do the policies cover?
If you choose to take out the Coles domestic travel insurance policy, you'll be eligible for the following benefits:
- 24/7 emergency assistance
- $2,000 in cover for luggage, credit cards, personal belongings and travel documents
- $10,000 in cancellation cover for flights booked through FlyBuys Travel in the same transaction as this cover
This basic international policy might not have all the bell and whistles of the comprehensive policy, but it still gives you plenty of cover. With this policy, you’ll get:
- 24/7 worldwide emergency assistance
- Unlimited overseas medical expenses
- Emergency dental expenses
- Unlimited trip cancellation or amendment costs
- Unlimited expenses for family or travel companion to be with you during an emergency
- Rental car insurance excess cover
- Personal liability
This is the Coles policy that gives international travellers the most protection. With international comprehensive, you get:
- 24/7 worldwide emergency assistance
- Unlimited overseas medical expenses
- Emergency dental expenses
- Unlimited trip cancellation or amendment costs
- Unlimited expenses for family or travel companion to be with you during an emergency
- Rental car insurance excess cover
- Personal liability
- Cover for your cash if it is stolen
- Disability, lost income and accidental death protection
- Money for incidentals if you are hospitalised
What about skiing and motorcycle cover?
Many travel insurance companies make you pay more if you want to take part in specialised activities that can be considered a little riskier – like skiing, motorcycle riding or going on a cruise.
The good thing about Coles travel insurance is that these activities are automatically covered so you don’t need to worry about adding them to your policy. However, there are a couple of rules you need to follow if you want to be eligible to claim:
Motorcycle cover
- If are driving a motorcycle, you need to have a valid Australian licence and a valid licence for the country you’re in (or if you’re a passenger, the driver needs to be licenced in the country you’re in).
- The motorcycle engine capacity must be 200cc or less
- You must be wearing a helmet
- You must not be racing or participating in a professional capacity
Ski cover
- You must be skiing or snowboarding on-piste (on a marked path or slope)
- You must not be racing or participating in a professional capacity
How do Coles travel insurance policies compare side by side?
| Domestic cover | International cover | International comprehensive cover | |
|---|---|---|---|
| Overseas medical and dental expenses |
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| Health-related emergency accommodation and transport |
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| Emergency accommodation and transport |
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| Amendment or cancellation costs |
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| Luggage and personal effects |
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| Travel documents |
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| Delayed luggage allowance |
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| Money |
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| Rental car insurance excess |
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| Travel delay |
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| Resumption of journey |
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| Special events |
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| Hospital incidentals |
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| Loss of income |
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| Disability |
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| Accidental death |
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| Personal liability |
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What won't be covered by my policy?
The most common general exclusions include:
- Not taking reasonable care of yourself and your property
- Travelling against you doctor’s medical advice
- Breaking the law
- Being drunk or on illegal drugs
- Having an uncovered pre-existing condition
- Giving birth
- Experiencing loss as a result of war, rebellion, nuclear reaction or biological weapons
Who underwrites Coles Travel Insurance?
Zurich Australian Insurance Limited (ZAIL) underwrites Coles travel insurance policies and Cover-More Travel Insurance administers them.
What if I have a pre-existing condition? Will Coles cover me?
Coles will automatically accept some pre-existing conditions and if you have one of these, you don’t have to report it and you can make claims related to it as normal. These conditions are listed below.
If your condition is not on the list, Coles will not cover it but you can still be covered for all other claims not related to that condition. It's always best to double check the PDS to make sure you'll be covered.
Conditions that are automatically covered include:
- Acne
- Allergies
- Asthma
- Bell’s Palsy
- Bunions
- Carpal tunnel syndrome
- Cataracts/glaucoma
- Coeliac disease
- Congenital blindness
- Congenital deafness
- Ear grommets
- Epilepsy
- Gastric reflux
- Goitre
- Graves’ disease
- Gout
- Hiatus hernia
- Hip, knee and shoulder replacement
- Hip resurfacing
- Hypercholesterolaemia (high cholesterol)
- Hypertension (high blood pressure)
- Menopause
- Migraine
- Peptic and gastric ulcers
- Gastric ulcer
- Plantar fasciitis
- Raynaud’s disease
- Skin cancer
- Stenosing tenosynovitis (trigger finger)
- Urinary incontinence
- Underactive or overactive thyroid
How much excess will I have to pay out of pocket?
For each claim you make, you will need to pay an out-of-pocket expense called an excess. The excess you’ll pay differs based on whether you are travelling domestically or internationally:
- Domestic: $50 excess
- International: $100 excess
Frequently Asked Questions
How can I claim on my policy?
If you need to make a claim, follow these steps:
- Fill in your claim form. You can request a form by calling 1300 568 298 or emailing colesclaims@covermore.com.au
- Add supporting documents. Your claim form will have a checklist with the documents you’ll need. Examples include receipts, police reports and proof of cancellation.
- Submit the claim via post to:
Coles Travel Insurance
Claims Department
Private Bag 913 North Sydney NSW 2059 Australia
For additional assistance:
- Call: 1300 598 298 or +61 2 8907 5087
- Email: colesclaims@covermore.com.au
