itrek Travel Insurance

Looking to venture off the beaten track? Consider itrek for your next adventure.

Purchasing a travel insurance policy is a smart move for anyone going on a trip. Be it a business endeavour or a family holiday, the right cover can help you sleep easy, knowing that you're financially protected if you suffer an unexpected loss. itrek policies offer cover for trip cancellation or curtailment, medical expenses, lost or stolen documents and much more.

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Last verified 2 May 2019

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Compare the benefits of different itrek policies and apply

Brands	Product	Product Details	Apply
	Single Trip Long Term Cover	Unlimited overseas emergency medical assistance Unlimited overseas emergency medical & hospital expenses $10,000 luggage and personal effects $15,000 cancellation fees & lost deposits	Get quoteMore info
	Single Trip Comprehensive Cover	Unlimited overseas emergency medical assistance Unlimited overseas emergency medical expenses $5,000 in hospital cash allowance $20,000 cancellation fees & lost deposits	Get quoteMore info
	Single Trip Essentials Cover	$5,000,000 overseas emergency medical assistance $5,000,000 overseas emergency medical expenses $2,500 luggage and personal effects $5,000 cancellation fees & lost deposits	Get quoteMore info
	Single Trip Medical Only Cover	$5,000,000 overseas emergency medical assistance $5,000,000 overseas emergency medical expenses $500 dental expenses $1,000,000 personal liability	Get quoteMore info

Who is itrek insurance?

itrek operates as an authorised representative of Lloyd's, which underwrites all its policies. As one of the largest insurance groups in the world, Lloyd's provides quality cover and support to ensure that you can receive adequate attention overseas when it is needed most.

The portfolio of products from itrek is designed to provide varying levels of coverage, depending on your needs. Each category of coverage offers cost-effective benefits to customers. As you choose higher levels of coverage, you receive a more comprehensive package covering a wide range of travel-related issues.

What policies does itrek offer?

itrek’s portfolio is structured as a tiered system. The levels of coverage available are:

1. Medical Only

The Medical Only package is itrek’s most affordable travel insurance policy. It offers basic cover including medical expenses.

2. Essentials

The Essentials package includes all of the coverage and benefits of the Medical Only package, but with added cancellation fees and lost deposits coverage and some other benefits.

3. Comprehensive

This package is the ultimate in comprehensive coverage from itrek. The full list of features are shown table below

4. Long Term

The Long Term package includes the benefits of the comprehensive package. Available for travelers between the age of 18-49 and must have a valid visa for 24 months.

How do the benefits of each policy stack up with one another?

What are the key policy benefits?

itrek has a large list of policy benefits you can take advantage of should you find yourself in an unexpected situation. These are:

• Overseas emergency medical assistance coverage. This covers you if you need to be evacuated to a nearby hospital or even home in some cases.
• Overseas emergency medical and hospital expenses coverage. This covers you for ambulance costs, hospital expenses and the cost of emergency medical treatment.
• Luggage and personal effects coverage. This covers you for the cost of replacing your stolen or lost bags and other items.
• Luggage and personal effects delay expenses coverage. This covers you for the costs you incur if you bags are delayed by your airline e.g. toiletries you have to purchase as you wait for your delayed luggage.
• Family emergency travel expenses coverage. You are covered you have to return home due to a family emergency e.g. a relative passing away.

• View full list of benefits

  • Resumption of journey .
  • Travel documents, credit cards and travellers cheques replacement cost coverage.
  • Hospital cash allowance.
  • Theft of cash coverage.
  • Cancellation fees and lost deposits coverage.
  • Travel delay expenses coverage.
  • Personal liability coverage.
  • Alternate transport expenses coverage in case your current transport plan falls through and will make you late for an event.

Are pre-existing medical conditions covered?

This is how itrek covers pre-existing medical conditions:

• Automatically covered pre-existing medical conditions. You are automatically covered for these conditions with no extra premium payable (unless you have been hospitalised for it in the past 12months).
• Medical Assessment. You must declare any other pre-existing medical condition that is not stated in the PDS.

• What conditions are automatically covered?

  • Acne
  • Allergies
  • Asthma*
  • Bell's palsy
  • Benign Positional vertigo
  • Bunions
  • Carpal tunnel syndrome
  • Cataracts
  • Coeliac disease
  • Congenital blindness
  • Congenital deafness
  • Dry eye syndrome
  • Diabetes mellitus
  • Epilepsy
  • Folate deficiency
  • Gastric reflux
  • Goitre
  • Glaucoma

  • Graves disease
  • Hiatus Hernia
  • Hypercholesterolaemia
  • Hyperlipidaemia
  • Hypothyroidism
  • Hypertension
  • Impaired glucose tolerance
  • Incontinence
  • Insulin resistance
  • Menopause
  • Nocturnal cramps
  • Pernicious anaemia
  • Raynaud's disease
  • Sleep apnoea
  • Trigeminal neuralgia
  • Trigger finger
  • Vitamin B12 deficiency

  *These conditions are covered under specific rules set out by the policy. Read the Product Disclosure Statement for a full understanding of how these conditions can be covered. You can still get a travel insurance to cover everything else including medical expenses if it doesn't relate to the pre-existing medical condition.

How much excess will I pay if I need to make a claim?

Standard excess on itrek policies is $200.

Can I remove this excess?

No, you can't remove excess but you can reduce the excess from $200 to $100.

When am I not covered?

The general exclusions section of your iTrek Travel Insurance policy lists a variety of situations and circumstances where no cover is available, including:

• You do not act in a responsible way to protect yourself and your property
• You don’t do everything you can to reduce your loss as much as possible
• Your claim is for consequential loss of any kind, for example loss of enjoyment

• Click to view the expanded list of general exclusions

  • A travel company or organisation is unable to offer a service, facility or accommodation due to financial collapse
  • Your claim arises due to errors or omissions in booking arrangements
  • You fail to obtain the appropriate visa
  • You act illegally or break and government prohibition or regulation
  • A government authority confiscates, detains or destroys anything
  • You ride a motorcycle without a current Australian motorcycle licence
  • You failed to follow travel advice in the mass media or any government warning
  • Your claim arises due to an act of war
  • You were under the influence of or addicted to intoxicating liquor or drugs
  • Your claim is related to the death or hospitalisation of anyone aged 85 years or older
  • Your claim is related to any pre-existing medical condition
  • You travel against the advice of a medical practitioner
  • Your claim is related to depression, anxiety, stress, or any mental or nervous disorder

Last minute questions you might have about itrek Travel Insurance

• Q. How much cover does iTrek offer for overseas medical expenses?

  A. Each of iTrek’s four travel insurance policy options provides coverage for overseas medical expenses.

• Q. Who underwrites iTrek’s insurance policies?

  A. iTrek travel insurance policies are underwritten by Lloyd's.

• Q. How much excess will I need to pay if I make a claim?

  A. A standard excess of $200 applies. However, you can reduce the excess from $200 to $100.

• Q. How long do I have to submit an iTrek travel insurance claim?

  A. You must submit the full details of your claim within 30 days of returning home.

• Q. Can I purchase a policy that covers my wife and two kids who are travelling with me?

  A. Yes, iTrek policies are available as single or family cover.

• Q. Which iTrek travel insurance policy is the cheapest?

  A. iTrek Medical Only Travel Insurance is the company’s most affordable policy.

Benefits of cover with itrek travel insurance

• Longer cover. If you're headed off for a long adventure, itrek offers policy for up to 24 months.
• Cover for activities. A wide range of activities are covered, including abseiling, scuba diving, camel riding and hot air ballooning.
• 24-hour medical service. If you require medical assistance, you can access the 24-hour emergency service, no matter where you are.
• Four product options. itrek offers its customers four easy-to-understand and cost-effective insurance packages. The Long Term, Comprehensive, Essentials and Medical Only packages are tailored for every price range.
• Range of benefits. itrek provides policies that offer a large range of benefits. If all you need is simple medical, dental and liability coverage, the Medical Only policy is right for you. If you need more comprehensive coverage for things such as theft of cash and kidnap & hijack, the Comprehensive package would suit you well. It is this policy customisation that makes itrek a viable insurance providing option when comparing based on benefits.

Apply for itrek Travel Insurance