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Columbus Direct

Columbus Direct Travel Insurance

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

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Our Verdict

  • Get a competitive rate of up to $25 million for overseas medical expenses and up to $35,000 personal accident benefit for domestic trips.
  • Columbus Direct's pregnancy extension add-on offers cover for unexpected pregnancy complications, childbirth and care for your newborn - only a handful of other travel insurance providers do this.
  • Its trip cancellation and curtailment cover of up to $20,000 for international trips and $7,500 for domestic holidays is likely to meet the needs of most travellers, but brands such as Southern Cross Travel Insurance provide much higher limits.

Review by our senior insurance writer James Martin

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What policies are available?

Columbus Direct has policies available for all types of travel including single trips for once-off holidays and annual policies for more frequent travellers. There's a range of plans available to suit those looking for standard insurance when you're happy to have the basics covered or fully comprehensive cover.

  • Annual-Multi Trip. Designed with frequent travellers in mind, You can get worldwide protection all year round, with cover for an unlimited number of trips as long as no one trip is longer than 60 days.
  • Standard Cover. 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.
  • Premier Cover. Columbus Direct's most comprehensive policy offers the same cover as under the Standard plan but with higher limits in most areas.
  • Domestic. This omits medical expenses and has lower cover limits overall but many extras are included.

Will Columbus Direct cover COVID-19?

Columbus Direct Travel Insurance does not currently cover claims to do with COVID-19. If this feature is important for you, have a look at provider options in our coronavirus travel insurance guide.

Here's a rundown of Columbus Direct Travel Insurance

Choosing travel insurance may not be the most enjoyable part of your holiday but it is one of the most important. Invest some time in reading through the Product Disclosure Statement in full and make sure you understand what is and isn't covered before hitting that "Buy" button. We've highlighted some of the key points for you below to make this process as easy as possible.

Standard benefits

Columbus Direct Travel Insurance has many inclusions across the range of its policies. Here are some of the main highlights that are included in the Premier Cover:

  • 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 and emergency repatriation. If you suffer an injury or illness while overseas, Columbus Direct 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.
  • Rental vehicle excess waiver. This covers the rental company excess if your rental car is involved in an accident or is stolen or damaged.

Optional extras

While Columbus Direct's Premier travel insurance policy has lots of inclusions, there might be a few things missing, or that you need additional cover for. You can choose from the following options for an added premium, in addition to the benefits covered above.

  • Winter sports. Cover for ski hire, ski equipment, ski tuition fees, unused passes and more if you're skiing or snowboarding. Columbus Direct also offers cover for more unusual pursuits such as skidooing and off-piste activities under certain conditions.
  • Sports/Adventure and Work Activities Packs. Get covered if you're participating in anything risky including black water rafting, hang gliding or skydiving.
  • Pregnancy Extension Option. While the standard cover includes most unexpected medical complications up to your 25th week of pregnancy, the extension provides additional cover if you're further along.
  • One-Way Trip Cover. If you're planning a permanent move overseas, this can cover the trip from your current country of residence to the country you are relocating to.

General exclusions

While it would be ideal, not even the best travel insurance provider covers you for everything that could possibly happen on your trip. Some of Columbus Direct Travel Insurance's general exclusions are:

  • Manual or hazardous work (unless you've purchased the appropriate Sports and Adventure Package
  • Motorcycling cover over 125cc (unless you have purchased the Sports/Adventure and Work Activities Pack A)
  • Acts of war, terrorism or civil unrest
  • Certain sports and adventure activities including any professional sports, competitive races involving the use of vehicles or watercraft, and activities where there is a significant risk of bodily injury (eg. canyoning, yachting/boating outside of coast waters (20km limit)
  • People aged 85 and over
  • Pre-existing medical condition unless previously agreed upon with Columbus Direct Travel Insurance
  • Certain exclusions apply to pregnant travellers outside of unexpected pregnancy-related complications before the 26th week of pregnancy (unless the Pregnancy Extension is purchased)
  • 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 your trip does not extend beyond the 30th week of pregnancy.
  • Personal liability while working overseas
  • Travel to a destination which the government has advised against visiting

Exclusions are often where a lot of travellers get caught out when it comes time to claim. Spend a few minutes to read the Columbus Direct Travel Insurance Product Disclosure Statement for a complete list of general exclusions.

How to make a claim on Columbus Direct Travel Insurance

  1. Email claims@csnet.com.au
  2. Include your full name, Insurance Schedule Number, address, telephone number and a description of why you're claiming
  3. Attach any receipts or supporting documents that can be used as proof of ownership or evidence to any expenses you've incurred

Frequently asked questions about Columbus Direct

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6 Responses

  1. Default Gravatar
    ShirleyMarch 2, 2018

    Is there any restrictions on travel insurance to Bali associated to volcanic ash fall out .

    • Default Gravatar
      JoelMarch 8, 2018

      Hi Shirley!

      Thanks for leaving a question on Finder.

      You can find out which travel insurers are providing cover for claims related to the Bali cloud from our list of Bali travel insurance.

      As of the moment, no brand in our panel offers cover for the ash cloud. We will continue to update this page as new providers issue statements regarding the ash cloud.

      Also, if you buy a new travel insurance policy for Bali today, you won’t be covered for any volcano-related issues. This is because travel insurance is designed to cover unforeseen issues, and the Mt Agung eruption is a known event. It’s basically like trying to get car insurance after you’ve had an accident, and expecting to be covered.


  2. Default Gravatar
    DavidSeptember 1, 2017

    We are 68 year old U.K. Citizens returning to the UK after living in Australia as temporary self funded residents for the last 13 years. We need travel insurance for a one way trip to our destination to cover flight cancellation, health cover, baggage loss, and car rental excess for just three days. Does any firm provide such cover?

    • Default Gravatar
      GruSeptember 1, 2017

      Hello David,

      I would advise you to read more about Single Trip travel insurance. Here you will find details on what cover most single trip policies will include.

      Age limits will also vary between insurers with some capping the maximum age at 80. That said, there are insurers willing to cover travellers beyond this age. You can learn more about these insurers through our guide about seniors travel insurance.

      Feel free to utilize the table on the page to get a quote.

      Hope this helped.


  3. Default Gravatar
    jensAugust 6, 2015

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

    • Avatarfinder Customer Care
      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,

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