Holiday Rescue

Holiday Rescue Travel Insurance Review

With senior-friendly policies and children under 17 fully covered at no extra cost, you can take the whole family on holiday for less with Holiday Rescue travel insurance.

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Important:

Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures

    Our Verdict

    • Holiday Rescue Travel Insurance is leading the way for senior-friendly insurance providers and is one of only two brands we found that doesn't put an age limit on its policies.
    • This provider vouches to resolve all claims within two business days, so you aren't left out of pocket for longer than you need to be.
    • Its personal liability cover of up to $1,000,000 is one of the lowest amounts our research team found. Competitors such as Amex and Medibank offer up to five times this amount.

    Review by our senior insurance writer James Martin

    Holiday Rescue travel insurance offers cover for domestic and international trips, and is underwritten by The Hollard Insurance Company Pty Ltd (Hollard). You can compare policy types and benefits to see if Holiday Rescue has a policy for you.

    Holiday Rescue travel insurance is not currently available via finder. You can visit their website at www.holidayrescue.com.au for more information or compare alternative options available below.

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    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    Summary of Holiday Rescue's International Comprehensive policy

    Overseas Medical and Hospital ExpensesUnlimited
    Cancellation and Amendment Fees$50,000
    Luggage and Personal Effects$5,000

    Table updated July 2021

    Holiday Rescue's review of benefits

    Holiday Rescue offers various features for each of their three travel plans, summarised in the table below.

    BenefitsInternational ComprehensiveInternational EssentialsDomestic
    Emergency medicalUnlimitedUnlimited
    Emergency dental$500$500
    Funeral costs$15,000$15,000$15,000
    Holiday cancellation and charges$50,000$50,000$50,000
    Delayed to a special event$5,000$5,000$5,000
    Rental vehicle excess$5,000$5,000$5,000
    Personal liability$1,000,000$1,000,000$1,000,000
    Travel documents and bank cards$2,000$2,000$2,000
    Luggage delay$500
    Personal items$5,000

    Table updated July 2021

    What's the excess I have to pay?

    About half of your benefits have no excess and half have an excess of $100 per claim.

    Here's what your excess will be for each claim you make:

    Cover FeatureExcess
    Emergency medical$0
    Emergency dental$100
    Funeral$0
    Holiday cancellation and changes$100
    Delayed to a special event$100
    Personal liability$0
    Rental vehicle excess$100
    Passports, documents and bank cards$100
    Luggage delay$100
    Personal items and cash$100

    Can I get cover for a pre-existing medical condition?

    Like most insurers, HRTI will cover many pre-existing conditions. Its application form asks you to describe any pre-existing condition you have outside of "an everyday cold" or tummy bug. You'll have to declare it if any of the following describes your condition:

    • You're waiting to see a medical professional about it.
    • You're waiting on a test or the results of a test.
    • You require ongoing treatment or check-ups.
    • You're supposed to be on medication for it.
    • You've seen a medical professional in the last 3 months.
    • You've had surgery or been in the hospital in the past 3 years.
    • It's related to heart problems, stroke or cancer.

    After you declare the condition, HRTI will decide if they want to cover it and will treat it in one of three ways:

    • They'll automatically cover it at no additional charge.
    • They'll cover it if you pay an additional premium.
    • They won't cover it (but you'll be covered for everything else).

    Can I get cover for my camera, jewellery or other expensive items?

    If you have the comprehensive policy from HRTI, you'll have a total of $5,000 you can claim for lost and stolen items. But there's a limit to what you can claim for each type of item. Here are the sub-limits:

    • Clothing, shoes and toiletries: $1,500
    • Wedding rings, engagement rings and watches: $2,000
    • Mobile phone and tablets: $1,000
    • Laptops and cameras: $2,000
    • Other personal items: $1,000
    • Medication: $500
    • Cash: $250

    Most insurers let you add extra cover for high-value items. Holiday Rescue doesn't advertise this feature, but give them a call them to find out if you can insure high-value items separately.

    What won't be covered by my policy?

    As always with any insurance plan, there are certain situations where the insurer will not pay a claim. You should check the specific plan you purchase for details, but in general Holiday Rescue will not cover you if:

    • If you partake in any criminal or illegal activity in the country you're in.
    • You're acting in an unsafe or irresponsible manner at the time of the claim.
    • You're caught up in a scam or fraud that you could reasonably have avoided.
    • It's related in any way to the use of drugs or alcohol.
    • Your claim arises as the result of a pre-existing medical condition that wasn't declared or approved.
    • You ignore warnings about a destination from the Department of Foreign Affairs and Trade and go anyway.

    How do I contact Holiday Rescue?

    Claims and contact details

    Emergency assistance: Call +61 280 046 090

    Text: +61 488 863 244

    Email: rescue@holidayrescue.com

    Call within Australia: 1 800 960 374

    If you have any final questions...


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