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Kogan Travel Insurance
Our verdict: With competitive benefit limits, and 24/7 emergency support, Kogan travel insurance can offer plenty of peace of mind ahead of your next getaway.
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Pros
Kogan offers COVID coverage of up to $5,000, which should be enough for most travellers. We also liked its missed connections cover of up to $3,000, and its high personal liability cover of $5 million
A rental car insurance excess limit of $10,000 – for domestic and international – beats most of the market.
Being able to set your trip cancellation benefit limit and your policy excess adds flexibility to your cover.
Cons
Kogan offers $12,000 in cover against the theft or damage to your luggage. This is competitive but Southern Cross Travel Insurance offers more.
By choosing Kogan's Essentials policy, you won't be covered for pre-trip cancellations if you get COVID and can't travel
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Use this promo code to get a 12% discount. T&Cs apply.
Summary of Kogan travel insurance
Overseas medical and hospital expenses
Unlimited
Cancellation and amendment fees
You choose a limit
Luggage and personal effects
$12,000
Maximum age limit
126
Table updated November 2023
How does Kogan cover COVID?
Not all providers will offer coverage for COVID; Kogan does. The main benefits are as follows:
Overseas medical expenses if you're diagnosed while on your trip.
Pre-trip cancellation and amendment costs of up to $5,000 to change your travel plans if you or a companion are diagnosed prior to your travel.
multi-night cruises. If you add cruise cover to your policy, you'll be covered with medical and dental benefits if you get infected with COVID.
Keep in mind. Not all situations linked to COVID disruption will be covered. You should review Kogan's product disclosure statement (PDS) before making a decision on whether this cover meets your needs.
What policies does Kogan offer?
In total, Kogan offers 3 policies. These are: International Plus, International Essentials and Domestic. You can opt for single or multi-trip insurance depending on your needs.
In short, a Kogan travel insurance policy offers cover for:
Domestic
International – Plus
International – Essentials
The cooling-off period of your policy is 21 days (better than the 14-days offered by some insurers). You can cancel or change your policy during this time for a full refund.
Your policy excess is the contribution you need to make towards a claim. By choosing a higher excess, you can save on the upfront cost of our cover.
Here's a breakdown of Kogan travel insurance features
With Kogan, there are a bunch of extras you can choose for added peace of mind. You'll need to pay to get any optional covers included in your policy.
Adventure activities, sports and motorcycles. Kogan offers cover for a range of pursuits: from jet skiing to abseiling to snow sports such as skiing or snowboarding. You can also add cover if you plan to ride a motorcycle or a moped on your travels. Always keep an eye on policy exclusions for these – one example being the need to wear a helmet.
Increased luggage cover for expensive items If the value of any items you're taking exceeds the single item limit of your policy – such as a pricey set of golf clubs or a camera – you can pay a fee to increase your cover limit for that item.
Cruise cover Get added cover if you're travelling for 2 or more nights on a cruise. Kogan offers unlimited cover for on-board medical and dental treatment and sea sickness. Other benefits include a useful $1,000 in protection if you miss any pre-booked tours if your cruise gets delayed.
Pregenancy According to Kogan, you can add pregnancy cover for "serious, unexpected pregnancy complications" up until the 24th week of your pregnancy. A number of restrictions apply so check the PDS for more detail on this.
Exclusions
As with any travel insurance, some situations won't be claimable. These are called exclusions. Here's a selection you generally won't be covered for:
Any pre-existing medical condition that hasn't been agreed to be listed in your insurance
Pregnancy after your 24th week; childbirth
Any event where you were under the influence of alcohol or drugs
Travelling against medical advice
Travelling against government advice
Carelessness – such as if you leave your luggage unattended
Always read the product disclosure statement (PDS) so that you're aware of any restrictions or exclusions that apply. Speak to the insurer directly if you want added peace of mind.
How to make a Kogan travel insurance claim
If you need to make a claim, you can do so online or over the phone. Kogan also makes it easy to track claims. The process is managed online through Kogan's Online Claims Centre.
To speak to someone about your policy, you can call Kogan's customer service team on 1300 889 178.
Here's the bottom line about Kogan travel insurance
Kogan has 3 core policies and lots of options to add more if needed: from cruise cover to adventure sports and more. Its policies are market competitive and flexible – this is underscored by the fact you can choose your own trip cancellation cover limit. It's reassuring to know you can call on Kogan's 24-hour emergency medical and security support in case of any mishaps on your travels.
Kogan's entry-level option – International Essentials – is quite basic though. There's no baggage cover and you won't be covered for pre-trip cancellations linked to COVID.
The age limit for a travel insurance policy with Kogan is 79.
Kogan regularly runs promotional deals – at the time of writing, this provider offered new customers $20 in Kogan.com credit – so long as your premium costs at least $100. The deal was set to end on 6 March 2023.
Kogan doesn't list automatically included pre-existing conditions in its policy wording. You'll need to declare any medical conditions you have during the application process and see if you'll be able to get cover for your particular condition. Read more about how pre-existing conditions work here.
Yes. You can extend your policy while overseas, provided that you inform Kogan Travel Insurance ahead of time that your policy's due to expire. Restrictions apply so check your policy wording for more.
James Martin is the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146).
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Do you cover US Citizens? I will be traveling to Bali for 1 week then Australia for remainder of 3 month period. Can you provide medical dental hospital coverage in both countries for this trip?
Kogan Travel Insurance includes cover for overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses. A non-Australian citizen like a US citizen can be covered by Kogan Insurance if he has a home in Australia and holds a current Australian 457 Visa which will remain valid beyond the period of the trip. Also, the traveller must be not older than 74 years old at the time of purchasing the policy. Lastly, the trip commences and ends in Australia, therefore the traveller must have a return ticket to Australia.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
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Do you cover US Citizens? I will be traveling to Bali for 1 week then Australia for remainder of 3 month period. Can you provide medical dental hospital coverage in both countries for this trip?
Hi Yvonne,
Thank you for getting in touch with finder.
Kogan Travel Insurance includes cover for overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses. A non-Australian citizen like a US citizen can be covered by Kogan Insurance if he has a home in Australia and holds a current Australian 457 Visa which will remain valid beyond the period of the trip. Also, the traveller must be not older than 74 years old at the time of purchasing the policy. Lastly, the trip commences and ends in Australia, therefore the traveller must have a return ticket to Australia.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni