Kogan Travel Insurance
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Important:Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
- If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
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What cover options does Kogan offer?
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:
- Basic Travel Insurance
- Comprehensive Travel Insurance
|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|
|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|
Table updated September 2020
What additional options does Kogan offer?
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.
Specified luggage and personal effects
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.
Does Kogan Travel Insurance cover pre-existing conditions?
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.
Can you get covered for sporting activities?
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:
- Cross-country skiing outside of a designated cross-country ski route
- Free climbing
- Freestyle skiing/snowboarding
- Hang-gliding or paragliding
- Mountaineering or rock climbing using ropes
- Off-piste skiing/snowboarding without a professional snow sport instructor/guide
- Open water sailing
- Parascending (over snow)
- Ski/snowboard fun parks
- Ski/snowboard racing
- Ski/snowboard acrobatics
- Ski/snowboard jumping or stunting
Need to make a claim with Kogan Travel Insurance?
If you have a travel insurance claim enquiry, you have three options:
- Phone. If you need to make a claim, you'll need to get in contact with Kogan Travel Insurance by calling 1300 034 088 (9am-5pm AEST, Monday-Friday).
- Online. If you'd prefer to go digital, you can email the Kogan claims team at email@example.com.
- Post. If you'd prefer to do it in writing, you can send your query to Kogan Travel Claims, Locked Bag 2010, St Leonards 1590.
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.
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