Kogan Travel Insurance

Protect yourself for less! Compare policies from Kogan Travel Insurance.

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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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
BenefitBasicComprehensive
Accidental death benefitNo$12,000
Additional expenses coverNo$12,000
Age limit79 years old79 years old
Cancellation cover for lost deposits$5,000$12,000
Cover for overseas and domestic travelYesYes
Special events coverNo$5,000
Specified items cover (additional benefit)YesYes
Free cover for kids under 21 who don't work full timeYesYes
Hospital cash allowanceNo$5,000
Legal liability cover for any lost or stolen documentsNoYes
Maximum length of policy (if you’re aged 70 or under)365 days365 days
Loss of income benefitNoMax 25 weeks (up to $10,000)
Delayed luggage and personal effects coverNo$750
Lost, stolen or damaged luggage and personal effects cover$5,000$10,000
No-excess optionYesYes
Overseas emergency medical and hospital expenses cover, including surgical and dentalUnlimitedUnlimited
Overseas emergency medical assistance cover, including specialist medical advice, transfers and repatriationUnlimitedUnlimited
Permanent disability benefitNo$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 ordersNoUp to $250
Cover for travel delay expensesNo$2,000
Cover for travel documents, credit cards and traveller’s cheques replacementNo$5,000

What additional options does Kogan offer?

If you're looking for a little extra cover, you have a few additional benefits to choose from:

  • Winter sports

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.

  • $0 excess

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:

  • Bobsleighing
  • Cross-country skiing outside of a designated cross-country ski route
  • Free climbing
  • Freestyle skiing/snowboarding
  • Hang-gliding or paragliding
  • Hunting
  • Mountaineering or rock climbing using ropes
  • Off-piste skiing/snowboarding without a professional snow sport instructor/guide
  • Open water sailing
  • Parachuting
  • Parascending (over snow)
  • Polo
  • 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 travel.claims@koganinsurance.com.au.
  • 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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