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Do you want travel insurance but don't want to pay through the nose for it? Kagan Travel Insurance can provide you with protection when travelling overseas from as little as $2.64 a day. Read on to find out more about the types of travel insurance available from Kogan and compare your options.
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Kogan offers two levels of cover: one for the budget-conscious and one those wanting a more comprehensive policy. Those wanting an extra level of cover can also choose from a couple of optional benefits. The cover options offered by Kogan are:
| Benefit | Basic | Comprehensive |
|---|---|---|
| Accidental death benefit | No | $12,000 |
| Additional expenses cover | No | $12,000 |
| Age limit | 79 years old | 79 years old |
| Cancellation cover for lost deposits | $5,000 | $12,000 |
| Cover for overseas and domestic travel | Yes | Yes |
| Special events cover | No | $5,000 |
| Specified items cover (additional benefit) | Yes | Yes |
| Free cover for kids under 21 who don't work full time | Yes | Yes |
| Hospital cash allowance | No | $5,000 |
| Legal liability cover for any lost or stolen documents | No | Yes |
| Maximum length of policy (if you’re aged 70 or under) | 365 days | 365 days |
| Loss of income benefit | No | Max 25 weeks (up to $10,000) |
| Delayed luggage and personal effects cover | No | $750 |
| Lost, stolen or damaged luggage and personal effects cover | $5,000 | $10,000 |
| No-excess option | Yes | Yes |
| Overseas emergency medical and hospital expenses cover, including surgical and dental | Unlimited | Unlimited |
| Overseas emergency medical assistance cover, including specialist medical advice, transfers and repatriation | Unlimited | Unlimited |
| Permanent disability benefit | No | $25,000 |
| Personal liability cover if you accidentally injure someone or damage property | $1 million | $2 million |
| Cover for theft of cash, bank or currency notes, or postal or money orders | No | Up to $250 |
| Cover for travel delay expenses | No | $2,000 |
| Cover for travel documents, credit cards and traveller’s cheques replacement | No | $5,000 |
If you're looking for a little extra cover, you have a few additional benefits to choose from:
For an additional premium, you can choose the winter sports add-on, which will provide you with cover for recreational skiing and snowboarding, tobogganing and even off-piste skiing with a professional snow sport instructor.
For an additional premium, you can choose to take out additional cover up to $5,000 for high-value items.
If you don't want to pay an excess in the event that you need to make a claim, you can choose to remove the $200 excess by paying an additional $25 on top of the standard premium.
Travel insurance is designed to provide you with cover in unexpected circumstances, which is why cover for pre-existing conditions is a contentious issue. However, Kogan Travel Insurance includes cover for 43 pre-existing medical conditions, provided that you have not been hospitalised within the last 24 months.
Conditions covered include asthma, cataracts and osteoporosis. Other more serious conditions such as both Type 1 and Type 2 diabetes, hypertension and high cholesterol are also covered, albeit with several caveats. Please read the product disclosure statement (PDS) for the full details.
Yes! Kogan offers cover for a range of sports and leisure activities and claims to cover most sports. However, you will not be covered for your participation in sports activities such as:
If you have a travel insurance claim enquiry, you have three options:
When it comes time to claim, you'll need to download the claims form, complete it and send it to the Kogan Travel Insurance claims team along with any supporting documentation.
