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Easy Travel Insurance

Our verdict: Easy Travel Insurance has some competitive cover and generous limits but if you suffer from certain pre-existing conditions, you might need to look elsewhere.

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Pros

  • Easy Travel Insurance has luggage cover up to $15,000 on its Comprehensive Care Plan. This is one of the highest we've seen and only bested by 2 other providers.
  • It was 1 of only 26 travel insurance brands that offered some kind of cover for coronavirus-related expenses.

Cons

  • Certain pre-existing medical conditions and pregnancy will need to be assessed by Easy and may fetch a higher premium or not be covered at all.

Get Easy Travel Insurance quotes

1 - 4 of 4
Name Product Overseas Medical Expenses Cancellation and amendment fees Theft or damage to lugagge COVID-19 expenses Standard excess
Easy International Essentials Care Travel Insurance
  • Unlimited
  • Cover chosen
  • $0
$250
Easy International Comprehensive Care Travel Insurance
  • Unlimited
  • Cover chosen
  • $15,000
$250
Easy Domestic Comprehensive Care Travel Insurance
  • No
  • Cover chosen
  • $6,000
Some cover
$50
Easy Domestic Cancellation Travel Insurance
  • No
  • Cover Chosen
  • $0
$0
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Summary of Easy's Comprehensive policy

Overseas medical and hospital expensesUnlimited
Cancellation and amendment FeesCover chosen
Luggage and personal effects$15,000
Maximum age limit84

Table updated October 2023

How does Easy Travel Insurance cover COVID-19?

Easy has an extensive list of COVID-19 benefits that should suit many travellers looking for some extra peace of mind before setting off. Here are some of the key benefits:

  • Overseas medical expenses if you're diagnosed with COVID-19 during your trip
  • Additional expenses if you're diagnosed and required to quarantine before continuing your trip
  • Amendment or cancellation costs if you're diagnosed before or during your trip

There are also some general exclusions for COVID-19 that apply to all Easy policies. These include:

  • Government travel bans
  • "Do not travel" warnings
  • Government-directed border closures
  • Mandatory quarantine or self-isolation requirements related to cross-area, border, region or territory travel
  • Medical expenses if you're diagnosed with COVID-19 on or after a cruise

If you're concerned about COVID-19 ruining your travel plans, we've compared all the providers that offer some cover for pandemic-related expenses.

What policies does Easy offer?

Easy Travel Insurance has 5 different policies on offer: Inbound, Essentials Care, Comprehensive Care, Domestic and Domestic Cancellation. Here are some of the main insured events a policy can cover you for:

Inbound

Inbound

Hospital

Essentials Care

Travel plane luggage passport

Comprehensive Care

Australian Map Icon

Domestic

Map

Domestic Cancellation

Easy Travel Insurance is Australian-owned and operated. It is administered by Cover-More Insurance Services Pty Ltd on behalf of the product issuer, Zurich Australian Insurance Limited.

The cooling-off period is 21 days, which means you'll be given a full refund of your premium provided you haven't started your trip or made a claim.

If you're travelling internationally, you can choose your own excess. This is the amount you're required to pay when you make a claim.

Here's a breakdown of Easy Travel Insurance features

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Standard features

These are some of the features that Easy will cover you for if something does go wrong on your trip. Some of these inclusions are only available for certain levels of cover (e.g. a Comprehensive Care plan vs a domestic policy).

  • Accidental death
  • Additional expenses
  • Amendments or cancellation costs
  • Delayed luggage allowance
  • Luggage and travel documents
  • Overseas medical and dental expenses
  • Rental car insurance excess
  • Resumption of journey
  • Special events
  • Travel delay

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Optional add-on

Along with its standard features, Easy Travel Insurance offers add-ons to certain policies so you can tailor your trip to your needs.

  • Cruise cover. This add-on will help you out for claims directly or indirectly related to your cruise, including missed port connections and cancelled shore excursions.
  • Increase luggage cover. If you've got valuable items tagging along, you can increase your cover on a per-item basis.
  • Motorcycle/moped riding. If you plan on renting a motorcycle or moped on your trip, you can purchase cover for motorcycle and moped riding.
  • Winter sports. If you're going skiing, snowboarding or snowmobiling, you can purchase the winter sports pack on top of your existing policy.

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Exclusions

All insurers have a list of situations you won't be covered for under a travel insurance policy. Here are some of Easy Travel Insurance's exclusions you should be aware of:

  • Claims arising from any unlawful act committed by you
  • Claims arising as a result of war, hostilities, invasion, rebellion, revolution or usurped power
  • Claims in respect of travel booked or undertaken after a terminal illness was diagnosed
  • Claims arising from, or related to, any existing medical condition you or your travelling companion has not disclosed or that is not automatically covered
  • Claims arising from or related to your existing medical condition of reduced immunity
  • Caims directly or indirectly arising from pregnancy with previous complications
  • Travel booked or undertaken against the advice of a medical adviser
  • Claims related to you drinking too much alcohol, chronic use of alcohol or substance abuse

Make sure you review Easy's product disclosure statement (PDS) for a detailed breakdown of what is and isn't covered.

How to make an Easy Travel Insurance claim

The fastest and most convenient way to make a claim is with Easy's online claim tool. You can follow these steps:

  1. Head to https://claims.covermore.com.au
  2. Enter your full name and policy number to log in
  3. Complete your claim details by answering all sections
  4. Upload any supporting documents relevant to your claim
  5. Submit the claim

You should receive a response within 10 business days.

Here's the bottom line about Easy Travel Insurance

Compared to other insurers, Easy Travel Insurance has competitive limits and flexible options so you can tailor your policy based on your holiday and needs. Plus, Easy offers policies to suit most budgets from a cost-effective Essentials Care plan to the more Comprehensive Care plan.

However, some might find Easy's policies lacking, especially if you're planning a cruise. Its COVID-19 cover doesn't extend to medical expenses if you're diagnosed on or after the cruise.

If you have any pre-existing conditions, you should read the PDS carefully and make sure to disclose them fully at the time of application.

Still not sure about Easy? You can compare other travel insurance companies here.

Frequently asked questions

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4 Responses

    Default Gravatar
    DianeMay 15, 2017

    Can you tell me if my husband has a guitar which is worth approx $4,000.00 is it covered in his travel insurance or does he have to list it separably

      AvatarFinder
      ZubairMay 16, 2017Finder

      Hi Diane,

      Thank you for your question.

      You have contacted finider.com.au, a comparison and information service and not actually Easy Travel Insurance.

      Easy Travel Insurance has $6,000 limit for individual item. To learn more, we have prepared an article that discusses how to protect expensive items when travelling.

      Please make sure though to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      Cheers,
      Zubair

    Default Gravatar
    TonyJune 3, 2015

    I’m looking to purchase an Annual multi trip travel insurance which will cover me overseas and in Australia.
    Which policy covers that ?

      AvatarFinder
      RichardJune 3, 2015Finder

      Hi Tony,

      Thanks for the question.

      Various providers offer this type of cover. To review how the providers in our panel treat annual travel insurance and domestic travel, Please have a look at our annual multi-trip travel insurance comparison.

      Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      I hope this was helpful,
      Richard

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