iTrek Travel Insurance

Designed specifically for travellers who want more than a tourist experience, iTrek offers four policies to guard against the mishaps and misadventures of overseas travel. With a range of packs to cover whatever activity you want to try and the option of getting 24 months of cover, iTrek could be right for you.

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A travel ban is in place for all Australians effective 25 March 2020. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information.
We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable.

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• Who underwrites iTrek travel insurance?

  iTrek travel insurance is underwritten by a number of underwriters at Lloyds, which is the largest insurance market in the world.

Summary of iTrek's Comprehensive policy

^{Table updated February 2020}

Finder's favourite features:

1. Simple choice of cover with 4 plans on offer
2. Underwritten by one of the biggest underwriters in Australia, LLoyds
3. Specific long term cover available for those with a visa to the US, UK and Canada

Comparison of benefits

There are four insurance policies on offer by iTrek. We have summed up their various benefits and features in the table below:

^{Table was last updated: August 2019}

• iTrek's travel insurance benefits explained

  • Overseas medical emergency assistance and expenses. From medical transfer and evacuation, consultation with medical professionals and necessary medical and dental costs, iTrek can help you pay the bills so you're not stuck with huge out-of-pocket costs.
  • Personal liability. Getting into trouble overseas can end up with you owing legal expenses or compensation to somebody else. Personal liability may help cover you if this situation arises.
  • Luggage and personal effects. If your stuff goes missing, gets damaged or is stolen while you're travelling, iTrek can pay to replace or repair it, up to a stated limit. Individual items may be subject to depreciation when calculating their value.
  • Luggage/personal effects delay expenses. If your airline or tour bus or similar delays your baggage by more than 12 hours, iTrek may sponsor the purchase of important personal items you may need in the meantime.
    Treatment by chiropractor and physiotherapist. Often excluded from necessary medical cover, iTrek can cover a certain amount of required treatment from chiropractors and physiotherapists.
  • Rental vehicle insurance excess. When you get into a scrape or incident with a rented vehicle, you're liable to pay an excess to the rental company. This feature can help cover that cost.
  • Alternative transport expenses. If you have to make emergency travel plans to a wedding, funeral or ticketed event because your planned transport was cancelled or delayed, iTrek may assist you with the costs.

iTrek travel insurance review of policies

What options can I add-on to my iTrek travel insurance?

In addition to the major benefits outlined above, you can obtain extra cover options at the price of an increased premium. These are generally available for non-Medical Only plans and include:

• High value items. If you have the Comprehensive policy, you can add $5,000 of cover for high value items that are less than 12 months old.
  Winter sports pack. Winter sports are not covered without this option. It also adds in winter sports-specific features like emergency rescue, piste closure, avalanches and bad weather, and winter sports hire equipment.
• Bicycle pack. This adds bicycles onto the list of items that will be covered in the event of theft or damage. The bicycle has to be less than three years old.
• Adventure pack. Most risky sports and activities are not included in your travel insurance plan. With the adventure pack, you can take part in a wide range of approved activities and still be covered by iTrek.
• Trekking pack. If you're planning to go trekking while you're on your trip, you'll need this add-on to cover treks you take with a licensed guide or operator.

What isn't covered by my policy?

No matter what insurance provider you go with, there are situations where they will refuse to pay a claim. For iTrek, they will not cover you if:

• You're acting irresponsibly at the time of the incident.
• You've engaged in manual labour related to a business or trade while on your trip.
• You are doing anything illegal, criminal or prohibited.
• You're driving or are a passenger in a vehicle or moped driven by someone who does not hold the appropriate licence for the country you're in.
• You decide to travel somewhere that has a current travel warning either from any government or the mass media.
• You're travelling with a pre-existing medical condition that hadn't already been approved by iTrek before you purchased your travel policy.
• You are under the influence of unprescribed drugs or alcohol at the time of the incident.
• Your claim relates to any risky sport or activity, unless you've purchased the appropriate add-on for your policy.

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.

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