Our verdict: With comprehensive cover for COVID-19 and no age limit, COTA Travel Insurance is a good option all-round, but particularly so for older travellers.
COTA Travel Insurance has comprehensive COVID-19 benefits and may cover cancellation costs, quarantine costs, transport costs, medical fees, childcare costs, and pet boarding fees.
With no age limit and the option to take part in medical screening for some existing conditions, COTA Travel Insurance is a good option for older travellers.
Cons
Although COTA Travel Insurance covers cruises as standard, the PDS doesn't include information about cruise-specific risks so it's not clear exactly what's covered.
COTA Travel Insurance is not currently available via Finder. You can head to the COTA Travel Insurance website or compare alternative options available below.
COTA Travel Insurance offers strong COVID-19 protection. Travellers will be covered in a variety of situations including:
Overseas medical costs related to COVID-19
Cancellation or amendment costs if:
-you or a travelling partner is diagnosed with COVID-19
-a close relative or business partner is hospitalised or dies due to COVID-19
-you're permanently employed as a healthcare worker, residential care worker or law enforcement officer, and your pre-approved leave is cancelled due to COVID-19.
Travel and accommodation costs if a tour is cancelled due to your tour guide contracting COVID-19 or if your accommodation can't operate due to staff contracting COVID-19.
Travel, meals and accommodation if you're not permitted to board your scheduled public transport due to being suspected of having COVID-19.
Travel, meal and accommodation costs if you're required to enter compulsory quarantine due to COVID-19.
Childcare costs if COVID-19 renders you unable to care for your dependent children while on holiday.
Pet care costs if you can't travel back to Australia at your scheduled time due to COVID-19.
There are some scenarios that are not covered by COTA Travel Insurance including if you buy a policy knowing you already have COVID-19 or if you are not vaccinated against COVID-19.
What policies does COTA Travel Insurance offer?
COTA gives you the choice of four plans: Comprehensive, Essentials, Annual Multi-Trip, and Australian Travel.
Comprehensive
Essentials
Annual Multi-Trip
Domestic
The insurer of this product is Pacific International Insurance Pty Ltd. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.
Here's a breakdown of COTA Travel Insurance features
Self-inflicted injury or illness, suicide or attempted suicide
Make sure you review COTA's PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.
How to make a COTA Travel Insurance claim
You can download a claim form from COTA's website and follow the instructions.
If you need help, you can phone 1300 625 229 within Australia or +61 2 8263 0487 outside Australia. Alternatively you can email claims@nibtravel.com.
Here's the bottom line about COTA Travel Insurance
COTA offers strong travel insurance, particularly in relation to COVID-19 related expenses. It also extends cover for pregnancy up to 26 weeks, longer than some other providers, and will consider offering cover for existing medical conditions, if you complete an online health assessment.
With no age limit, it's a good option for a wide range of travellers. However, with limited information about how exactly cruising is covered, anyone setting sail might want to clarify the PDS with a CODA representative or consider a specific cruise travel insurance.
No. One of COTA's aims is to help older Australians but younger Australians are not excempt from its travel insurance policies.
If you cancel your policy within the first 21 days of buying it, you'll receive a full refund, as long as you haven't started your trip and you're not making any claims.
If you pay for your COTA travel insurance policy online or over the phone by credit card, you'll be covered as soon as you receive your certificate of insurance (which should be straight away).
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards.
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Hi there,
I’m over 70, travel a lot overseas and am trying to find out if you have a yearly multi trip insurance. I have never had a claim, but finding it difficult to get yearly insurance at this age. For the next 12months I expect Asia and maybe Europe.
Many thanks
Eva
Finder
RichardAugust 2, 2016Finder
Hi Eva,
Thanks for your question. I’m afraid Cota is not currently one of the travel insurance brands in our panel.
However, many of the travel insurance brands in our panel do provide annual policies for people over 70 years of age. If you would like to compare these policies, you can do so on our annual travel insurance page. The comparison table does not only show the age cut-off but the maximum single trip length as well.
I hope this was helpful,
Richard
rozAugust 22, 2014
I am 67 and my husband is 76. Do you offer a multi trip 12 months travel insurance policy?
Finder
RichardAugust 25, 2014Finder
Hi Roz,
Thanks for your question. According to the COTA Annual Frequent Traveller Plan PDS its “… plan is for frequent domestic and/or international travellers. It
covers multiple trips of up to 50 days each during a 12-month period.”
If you are interested in getting in contact with COTA about taking out a plan, COTA’s number is 1300 1300 50.
InsureandGo Travel Insurance can save you time with a comprehensive range of policies that are easy to digest and understand. Its policies include winter sports coverage plus both single and multiple trip policies.
Our verdict: AllClear Travel Insurance covers globetrotters of any age and more than 1,300 pre-existing medical conditions, including heart complications and diabetes.
Annual travel insurance not only lets you travel worry-free all year, but can also save you time and money in the process.
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Hi there,
I’m over 70, travel a lot overseas and am trying to find out if you have a yearly multi trip insurance. I have never had a claim, but finding it difficult to get yearly insurance at this age. For the next 12months I expect Asia and maybe Europe.
Many thanks
Eva
Hi Eva,
Thanks for your question. I’m afraid Cota is not currently one of the travel insurance brands in our panel.
However, many of the travel insurance brands in our panel do provide annual policies for people over 70 years of age. If you would like to compare these policies, you can do so on our annual travel insurance page. The comparison table does not only show the age cut-off but the maximum single trip length as well.
I hope this was helpful,
Richard
I am 67 and my husband is 76. Do you offer a multi trip 12 months travel insurance policy?
Hi Roz,
Thanks for your question. According to the COTA Annual Frequent Traveller Plan PDS its “… plan is for frequent domestic and/or international travellers. It
covers multiple trips of up to 50 days each during a 12-month period.”
If you are interested in getting in contact with COTA about taking out a plan, COTA’s number is 1300 1300 50.
I hope this was helpful,
Richard