The comprehensive international policy includes an unlimited benefit for overseas medical expenses.
Instant payments with no excess are available for approved medical, stolen cash and luggage delay claims.
Cons
Instant payouts apply to approved common claims only. Other claims still go through a standard assessment process, so it's not every claim that's paid on the spot.
What types of travel insurance does PassportCard offer?
PassportCard offers cover for both international and domestic trips, with a comprehensive level of protection available across its policies. Here's how the options break down.
International travel insurance. PassportCard's international cover is built for overseas trips and includes unlimited overseas medical and dental cover, with the option to pay approved medical claims instantly using the PassportCard so you're not left out of pocket. It also covers things like luggage and personal effects (up to $25,000), trip cancellation and delays, and rental vehicle excess up to $10,000.
Domestic travel insurance. PassportCard's domestic cover is designed for local trips, where overseas medical cover isn't needed (Medicare and your private health insurance handle that). Instead, it focuses on things like trip cancellation, luggage and rental vehicle excess, which are the main risks on a domestic holiday.
Comprehensive cover. PassportCard's comprehensive option offers its highest level of protection, bundling together the full range of benefits including medical, cancellation, luggage and more. It's suited to travellers who want maximum peace of mind rather than a stripped-back policy.
What optional extras are available?
Optional add-ons
Ocean Cruise Cover: Cover designed to protect you for cruise specific issues like overseas medical, cabin confinement, missed ports, pre-paid shore excursion cancellation and much more.
Snow Sports Cover: Cover for skiing, snowboarding and lots more.
Adventure Activities: Cover for activities that aren’t typically covered under a standard policy, like deep sea fishing, mountain biking, paragliding and more.
Golf: Cover for the theft or damage of equipment you’ve hired and more.
Search & Rescue: Cover for costs involved with a search & rescue operation for you.
Business Equipment: Cover for business equipment if you have to take it away with you. This can include tools of trade, business documents and more.
Be sure to read the product disclosure statement (PDS) to fully understand what is and is not covered by these optional extras.
FAQs
PassportCard is the only Australian travel insurer that can pay approved common claims instantly, while you're still overseas. Instead of paying out of pocket and claiming a reimbursement when you get home, you call or message the 24/7 support team, and for approved claims they load funds straight onto your PassportCard so you can pay on the spot. It works for things like overseas medical costs, delayed luggage (up to $250 for essentials) and stolen or lost cash (up to $500 to withdraw from an ATM).
PassportCard Australia is an underwriting agency acting under binder from Guild Insurance Limited, which underwrites the policies. PassportCard itself is authorised to arrange and administer the cover and handle claims.
PassportCard can cover some pre-existing medical conditions, though this depends on the condition and may affect your premium. You'll need to disclose any pre-existing conditions when you apply and, in some cases, complete a medical assessment. Always check what is and isn't covered in the PDS before you buy, as cover is not guaranteed for every condition.
On top of the standard cover, PassportCard offers a range of optional add-ons so you can tailor your policy to your trip. These include ocean cruise cover, snow sports, water sports, wheeled sports, golf, search and rescue, cover for concerts and special events, and even pet cover. Each add-on has its own terms, so read the PDS to understand exactly what's included.
Yes. If your rental vehicle is damaged or stolen, PassportCard will pay up to $10,000 towards your insurance excess or repairs. Motorcycles and mopeds are also included as part of the policy, subject to terms and conditions.
Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year.
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