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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 |
Table updated September 2020
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.
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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