Finder makes money from featured partners, but editorial opinions are our own.

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.

No reviews yet. Write a review
Kogan Travel


  • 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.


  • 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

Get a quote from Kogan travel insurance

Name Product COVID-19 medical expenses Theft or damage to luggage Rental car excess insurance Standard excess
Kogan International Plus Travel Insurance
⭐Finder Exclusive: Get 12% off your travel insurance policies with Kogan. Use promo code: KOGAN12.T&Cs apply.
Kogan International Essentials Travel Insurance
No Cover
No Cover
⭐Finder Exclusive: Get 12% off your travel insurance policies with Kogan. Use promo code: KOGAN12.T&Cs apply.
Kogan Domestic Travel Insurance
⭐Finder Exclusive: Get 12% off your travel insurance policies with Kogan. Use promo code: KOGAN12.T&Cs apply.

Kogan Travel Insurance deals

Code exclusive

Get 12% off Kogan travel insurance policies

Summary of Kogan travel insurance

Overseas medical and hospital expensesUnlimited
Cancellation and amendment feesYou choose a limit
Luggage and personal effects$12,000
Maximum age limit126

Table updated March 2024

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:

Australian Map Icon


Travel plane luggage passport

International – Plus

International travel

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

Check icon

Standard features

Below are some of the key policy benefits. Compare these and see if Kogan travel insurance can offer the right policy for you.

  • Luggage and personal items
  • Trip cancellation or amendment before you depart
  • Accidental death
  • Medical and evacuation
  • Changes to your journey once you've left
  • Emergency dental work
  • Money
  • Missed connections and travel delays
  • Loss of income
  • Disablement
  • Your passport, credit cards and other travel documents
  • Costs linked to special events you've missed
  • Personal liability
  • Rental car excess

plus icon

Optional add-on

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.

cross icon


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.

If you're still not sure about Kogan travel cover, compare more travel insurance providers.

Frequently asked questions

More guides on Finder

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

3 Responses

    Default Gravatar
    YvonneOctober 3, 2018

    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?

      JeniOctober 3, 2018Finder

      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!


    JasonJanuary 8, 2024Finder

    Hi Allan,

    Kogan has an age limit of 99 for international insurance. You might also like to look at our guide on travel insurance for over-75s.

    I hope that helps.

Go to site