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Columbus Direct Travel Insurance

Travelling soon? Compare travel insurance from Columbus Direct's wide range of policies.

Columbus Direct Travel Insurance offers a range of low-cost travel insurance options to Australian travellers. Columbus saves you money on your insurance by selling direct to customers rather than through travel agents.

The unpredictable nature of travel means that things can and often do go wrong at the worst possible time. Airlines can lose your baggage, thieves can steal your valuables, flights can be delayed and cancelled, and illness and injury can wreak havoc with even the best-laid holiday plans. And when you’re stuck in another country when problems arise, your dream trip can quickly turn into a nightmare. Travel insurance can help protect you in cases like these.

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Comparison of Columbus Direct Travel Insurance policies

Brands Product Product Details Apply
Columbus Direct Annual Trip Premier

$20,000 cancellation fees and lost deposits

$25 million overseas medical expenses

Maximum trip duration 60 days

$10,000 personal luggage cover

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Columbus Direct Annual Trip Standard

$10,000 cancellation fees and lost deposits

$25 million overseas medical expenses

Maximum trip duration 60 days

$7,500 personal luggage cover

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Columbus Direct International Single Trip Premier

$20,000 cancellation fees and lost deposits

$25 million overseas medical expenses

$6,000 hospital cash allowance

$10,000 luggage and personal effects

$75,000 persoanl accident benefit

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Columbus Direct International Single Trip Standard

$25 million overseas medical expenses

$10,000 cancellation fees and lost deposits

$7,500 luggage and personal effects

$50,000 personal accident benefit

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Columbus Direct Domestic Standard

$25,000 personal accident benefit

$5,000 personal baggage

$4,000 rental vehicle excess waiver

$500 personal money and travel documents

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Columbus Direct Domestic Premier

$35,000 personal accident benefit

$7,500 personal baggage

$5,000 rental vehicle excess waiver

$1,000 personal money and travel documents

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Columbus Direct Domestic Single Trip Standard

$4,000 rental vehicle excess waiver

$5,000 cancellation fees and lost deposits

$5,000 luggage and personal effects

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Columbus Direct Winter Sports Cover

$500 piste closure

$750 delay due to weather conditions

$500-750 cover for ski equipment (hired or owned)

$500 for pre-paid ski pass, equipment and tuition fees

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Columbus Direct Pregnancy Extension

If you are pregnant, Columbus Direct offer a pregnancy extension that can be added to the policy. This extension provides cover from the 26th week of pregnancy for unexpected pregnancy-related complications, childbirth and care of new-born during the trip, provided:

- Your trip does not extend beyond the 30th week of pregnancy

- You're not travelling against the advice of your doctor or midwife

- There have been no complications with your pregnancy

- It's not a multiple pregnancy

- The pregnancy did not result from assisted reproductive programmes

Note: if you have any non-pregnancy related medical conditions you will need to apply for this extension by phone

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Columbus Direct Travel Insurance Pty Limited (ABN 99 107 050 582) "ColumbusDirect" is an Australian Financial Services Licence Holder authorised to deal in and provide general financial product advice about general insurance products. Columbus Direct Travel Insurance is underwritten by certain underwriters at Lloyd's (the insurers). Columbus Direct is authorised by them, under binder agreement, to arrange, issue, vary and cancel these products on their behalf.

What policies are available from Columbus Direct?

  • Annual-Multi Trip. This policy is designed with frequent travellers in mind. It offers worldwide protection all year round, with cover for an unlimited number of trips as long as no one trip is longer than 60 days. Offering cover for international and some domestic trips, this plan is available for individuals, couples and families. If you travel regularly, this policy is a great way to save money on travel cover. This policy is only available to those aged 69 or under.
  • Standard Cover. For international trips, this policy covers overseas medical expenses, emergency repatriation, hospitalisation cash benefit, personal liability and legal expenses, cancellation, curtailment, personal baggage, money and travel documents, travel or baggage delay, car rental excess waiver and more. Not all these features are available for domestic trips.
  • Premier Cover.  This policy offers the same cover as under the Standard plan but to higher limits in most areas. The policy covers trips with a minimum duration of one day and a maximum duration of 12 months. There is a $100 excess for claims under Medical Expenses and certain other sections of the policy, while some other sections are excess-free.
  • Winter Sports. As winter sports activities are known to be particularly hazardous, this policy aims to provide specialised cover for those who love hitting the slopes. It covers skiing and snowboarding, as well as more unusual pursuits such as skidooing and tobogganing. Off piste is also covered under certain conditions.
BenefitSingle Trip International StandardSingle Trip International Premier
Cancellation and Curtailment$10,000$20,000
Overseas Medical Expenses and Repatriation$25 million$25 million
Personal Baggage$7,500$10,000
Delayed Baggage$500$1,000
Personal Money and Travel Documents$2,000$3,000
Personal Accident Benefit$50,000$75,000
Personal Liability$2.5 million$5 million
Legal Advice and Expenses$50,000$75,000
Hospital Cash Allowance$3,000$6,000
Travel Delay$1,500$2,000
Trip Abandonment$10,000$20,000
Missed Departure / Connection$2000$2,000
Rental Vehicle Excess$4,000$5,000
Hijack$7,500$7,500
Catastrophe$1,250$1,250
BenefitAnnual Trip StandardAnnual Trip Premier
Cancellation and Curtailment$10,000$20,000
Overseas Medical Expenses and Repatriation$25 million$25 million
Personal Baggage$7,500$10,000
Delayed Baggage$500$1,000
Personal Money and Travel Documents$2,000$3,000
Personal Accident Benefit$50,000$75,000
Personal Liability$2.5 million$5 million
Legal Advice and Expenses$50,000$75,000
Hospital Cash Allowance$3,000$6,000
Travel Delay$1,500$2,000
Trip Abandonment$10,000$20,000
Missed Departure / Connection$2000$2,000
Rental Vehicle Excess$4,000$5,000
Hijack$7,500$7,500
Catastrophe$1,250$1,250
BenefitSingle Trip Domestic StandardSingle Trip Domestic Premier
Cancellation and Curtailment$5,000$7,500
Personal Baggage$5,000$7,500
Delayed BaggageNoNo
Personal Money and Travel Documents$500$1,000
Personal Accident Benefit$25,000$35,000
Personal Liability$1 million$2 million
Legal Advice and ExpensesNoNo
Travel DelayNo$1,000
Trip Abandonment$5,000$7,500
Missed Departure / Connection$500$500
Rental Vehicle Excess$4,000$5,000
Hijack$2,250$2,250
Catastrophe$1,250$1,250
BenefitCover
Piste Closure$500
Delay Due to Weather$750
Ski Equipment$750
Ski Hire$500
Ski Pack$500
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What will Columbus Direct cover me for?

  • Cancellation and Curtailment Costs. This provides cover if your trip is cancelled due to factors outside your control, such as illness or job loss, and you need to be reimbursed for your non-refundable deposits.
  • Overseas Medical Expenses, Emergency Repatriation and Other Expenses. If you suffer an injury or illness while overseas, Columbus provides cover for your medical and hospital expenses and even your repatriation to Australia if necessary.
  • Hospital Cash Allowance. This is designed to cover out-of-pocket expenses while you’re in hospital.
  • Personal Accident Benefit. If you’re accidentally injured during your trip and suffer a specific injury, total and permanent disablement or death, this feature provides a benefit payment.
  • Personal Baggage. This provides cover for the loss, theft or damage of your luggage/personal items.
  • Delayed Baggage. If your baggage is delayed by the carrier for at least six hours, you’ll receive cover for the cost of emergency necessities such as clothes and toiletries.
  • Personal Money and Travel Documents. This provides cover for the theft of your money and the loss, theft or damage of your travel documents.
  • Personal Liability. This covers you if you are found to be legally liable and must pay compensation to a third party.
  • Travel Delay and Abandonment of Trip. If events such as industrial action, civil unrest or adverse weather conditions cause your trip to be delayed, you’ll receive a benefit payment.
  • Missed Departure/Connection. If circumstances beyond your control cause you to miss pre-booked transport, you’ll receive cover for additional accommodation and travel expenses.
  • Rental Vehicle Excess Waiver. This covers the rental company excess if your rental car is involved in an accident or otherwise stolen or damaged.
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What am I not covered for?

  • You will not be covered for any manual or hazardous work (whether paid or voluntary) if you are working whilst away, unless you have purchased the appropriate Sports and Adventure Package.
  • No cover is available for motorcycling, unless it is on-road motorcycling, you hold all the required licences (refer to the PDS for policy requirements), and crash helmets are worn. If the bike is more than 125cc you will need to purchase the appropriate extension for cover to apply (Sports/Adventure and Work Activities Pack A).
  • Acts of war, terrorism or civil unrest.
  • There are certain sports and adventure activities which are not covered. These include any professional sports, competitive races involving the use of vehicles or watercraft, and activities, that are not specifically listed, where there is a significant risk of bodily injury (eg. canyoning, yachting/boating outside of coast waters (20km limit).
  • This insurance is only available to those aged 84 and under.
  • There is no cover for any pre-existing medical condition unless previously agreed upon with Columbus Direct Travel Insurance. This is done via medical screening which is available online and over the phone.
  • Certain exclusions apply to pregnant travellers. The pregnancy is not covered if you are travelling against medical advice, complications exist with the pregnancy at the time you book your trip or take out insurance, if the pregnancy resulted from an assisted reproductive programme, or if it is a multiple pregnancy. In order for pregnancy to be covered, the purchase of additional cover is required for those travelling from the 26th week of pregnancy. However that cover is only available if you trip does not extend beyond the 30th week of pregnancy.

  • There is no cover for personal liability while working overseas.
  • If you travel to a destination which the government has advised against visiting, you will not be covered.

Making a Columbus Direct Travel Insurance Claim

If you need to organise inpatient care, emergency repatriation or curtailment of your trip, you need to contact the 24-hour Medical Assistance helpline. For any other claims, you will need to get in touch with Intana Global, who can also supply you with a claim form. This should be done as soon as possible and no later than 31 days after the end of your trip.

When requesting a claim form, you’ll need to confirm the company you are insured through, as well as provide your name, address, telephone number, schedule number and a brief description of the nature of your claim.

You’ll also need to make sure to obtain certain documents to support your claim. For example, you’ll need a report from your carrier to confirm the details of any loss or damage to your luggage, or a police report if your wallet or bags are stolen.

If you’ve had to receive medical attention, you must obtain a medical certificate showing the nature of the injury or illness you suffered and the treatment received. You’ll also need to provide details of the account which, if possible, should be paid and receipted.

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More reasons to consider Columbus Direct for your trip

In 1988, Columbus Direct was one of the first companies to start selling travel insurance direct to UK residents. Columbus brought its services to Australian travellers in 2001, and since then has covered many Australians as they’ve set out to explore the world.

Columbus Direct travel insurance policies are underwritten by certain underwriters at Lloyd's, an organisation with 300 years of history and backed by unrivalled expertise. Over the years, Columbus Direct has taken out a number of awards, across a number of different countries, for several products. These awards include:

  • 2016: Aggregator / Broker / Affinity Partner of The Year award by the ITIJ
  • 2013: Travel Insurance Intermediary of the year award by the ITIJ
    • 2012: Travel Insurance Intermediary of the year award by the ITIJ
    • 2012: Best Travel Insurance Provider award from the Personal Finance Awards

  • 2011: Best Travel Insurance Provider award from the Personal Finance Awards
  • 2010: PTI our Underwriter win Underwriter of the Year in ITIJ Awards
  • 2010: The Best Customer Focus Award from the Best Business Awards
  • 2006-09: 10 Which? Best Buy Awards
  • 2008: Travel Insurance Intermediary of the year award by the ITIJ

Travel agents and airlines add on large commissions to the policies they sell, so you can end up having to pay a lot more for your insurance than it is actually worth. Columbus Direct Travel Insurance, however, offers affordable cover by selling direct to customers. It cuts out the middle man to save you money.

Columbus Direct has policies available for all types of travel. It has policies for single trips, as well as an Annual Travel Insurance policy for more frequent travellers. There’s a range of plans available to suit those looking for standard insurance or comprehensive cover, while the company even offers a special policy to provide protection for winter sports enthusiasts on their travels.

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2 Responses

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    jensAugust 6, 2015

    do you cover flights and accommodation in bail with the current volcano warning

    • Staff
      RichardAugust 10, 2015Staff

      Hi Jens,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. If you are enquiring about Columbus Direct Travel insurance, unfortunately they do not respond in the event of a volcanic ash event.

      I hope this was helpful,
      Richard

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