Travel with confidence knowing you’re covered and earning Qantas frequent flyer points with most policies.
Considering all the accidents and misadventures that could befall you when travelling, finding the right travel insurance can become a top priority. As one of the world’s top 20 general insurance and reinsurance companies, QBE prides itself on providing quality insurance policies and an easy and friendly customer service experience.
With policies provided both for those on a shoestring budget and those who want to leave all their worries behind when they jump on a plane, QBE offers smart insurance options for all travellers. There’s also a range of bonuses, including earning one Qantas Frequent Flyer Point for every $2 spent on certain policies, 24/7 emergency assistance and the inclusion of children under the age of 25 in your policy at no extra cost.
But which policy is right for you? Let us help you break down the options.
QBE travel insurance is not currently available via finder. You can visit their website at www.qbe.com for more information or compare alternative options available below.
Budget Travel Plan. Your basic, bang for your buck policy for overseas travel. This policy covers standard travel issues, from unexpected medical and dental costs to luggage being lost en route.
Inbound Travel Plan. Designed for non-residents of Australia on their way over for a family visit or just to cuddle a koala. This policy covers medical and cancellation costs, loss or theft of luggage and rental vehicle insurance excess.
International Travel Plan. Complete cover for your journey into the wide world. From cancellations, loss or theft of luggage and personal items, evacuation (medical or non-medical), fraud, funeral and personal liability and legal costs, you can travel far and wide with full cover and no worries.
Annual Multi Trip Travel Plan. If you're a regular traveller, you can’t beat the convenience of year-round cover for trips up to 60 days overseas and within Australia. Simply add optional benefits if you need them.
Australian Travel Plan. Travelling in your own backyard doesn’t mean you’re safe from the discomfort and dangers of the adventure. Cover cancellations, medical and dental costs, and your luggage with this policy designed for our sunburnt country.
You can also add an Australian Cancellation and Additional Expenses Travel Plan to include cover for non-refundable parts of prepaid travel arrangements within Australia, which includes cover for additional travel, meals and accommodation.
How do the policies compare?
Budget Travel Plan
Inbound Travel Plan
International Travel Plan
Annual Multi Trip Travel Plan
Australian Travel Plan
Cancellation or holiday deferment costs
Yes
Yes
Yes
Yes
Yes
Emergency travel arrangements and accommodation expenses
Yes
Yes
Yes
Yes
Yes
Agent's cancellation fees
Yes
Yes
Yes
Yes
Yes
Loss of reward points
No
No
Yes
Yes
Yes
Medical and dental expenses
Yes
Yes
Yes
Yes
Yes
Critical illness or injury – emergency travel expenses for a relative
No
No
Yes
Yes
No
Evacuation and repatriation
Yes
Yes
Yes
Yes
Yes
Non-medical evacuation and repatriation
No
Yes
Yes
Yes
Yes
Airfare compensation
No
No
Yes
Yes
No
Missed connection – special events
No
No
Yes
Yes
Yes
Resumption of trip
No
No
Yes
Yes
No
Rental vehicle insurance excess
Yes
Yes
Yes
Yes
Yes
Luggage and personal effects
Yes
Yes
Yes
Yes
Yes
Dentures or dental prosthesis
No
Yes
Yes
Yes
Yes
Replacement passports and travel documents
Yes
Yes
Yes
Yes
Yes
Fraudulent use of credit or debit cards
No
No
Yes
Yes
Yes
Accidental death
Yes
Yes
Yes
Yes
Yes
Funeral expenses overseas or repatriation of remains
Yes
Yes
Yes
Yes
Yes
Total permanent disability
No
No
Yes
Yes
No
Loss of income
No
No
Yes
Yes
No
Personal liability
Yes
Yes
Yes
Yes
Yes
Legal expenses
Yes
No
Yes
Yes
No
What won't be covered by my policy?
General exclusions include:
Travelling when you know you are unfit or against medical advice
Failing to maintain a course of treatment while travelling
Death, illness or injury from an existing condition (unless covered by your policy)
Birth of a child or any pregnancy-related condition
Treatment at a spa, nursing home or any rehabilitation centre unless agreed by QBE
Excess medical charges
Any consequential loss or loss of enjoyment
A loss caused by or in connection with a criminal or dishonest act
Any loss caused by government intervention or regulation
Failure to take precautions after a public warning of strike, riot, civil commotion or natural disaster
Operating a rental vehicle in an illegal or dangerous manner
Credit card conversion fees and other bank charges
How much is the excess? Do I always have to pay an excess?
For each claim you make you will have to pay an excess. Your excess will depend on the policy you choose and the circumstances of your claim. You can remove your excess on International, Budget, Annual Multi Trip and Australian Travel Plans by paying an additional premium.
Why should I consider QBE for my travel insurance?
While other insurers offer the same bells and whistles with their policies, QBE provides some notable benefits and services as standard.
Any overseas cover with QBE includes 24-hour emergency assistance, giving you access to a team of medical and insurance experts based in Australia.
If your a member of the Qantas Frequent Flyer program then going with QBE will also score you bonus points. Members earn one Qantas Point for every $2 spent on International Comprehensive, Annual Multi-Trip and Australian Comprehensive policies.
QBE provides 10% off if you purchase a policy online.
All policies include children under 25 in your cover at no extra cost.
Questions you might have
Yes. If you need to change your personal details or travel dates after cover has been issued, contact QBE and inform them of your changes. You can submit a policy amendment form if you wish to alter or defer your policy period. You must also notify QBE should your circumstances change (eg you want to stay longer in a country).
You are covered automatically for the some conditions, including the following (check PDS for full details):
Acne
Allergies
Anaemia
Asthma
Benign breast cysts
Carpal tunnel syndrome
Cataracts
Diabetes (types 1 and 2)
Epilepsy
Glaucoma
High blood pressure or cholesterol
Migraines
Osteoporosis
Routine screening tests where no underlying disease has been detected
You must apply for cover if you:
Have a cardiovascular/cerebrovascular disease (eg angina, heart attacks, heart failure, aneurysms)
Yes. If you change your mind within 21 days of buying your policy, you can cancel it and receive a full refund. Naturally this doesn’t apply if you've made or are entitled to make a claim. The cooling-off period also does not apply:
If you've departed for a trip
To policy or trip extensions
Should you wish to cancel your policy, simply contact QBE within the cooling-off period and your refund will be processed within 15 business days.
Before or after departure you can add:
Snow sports cover (which covers participation in snow sports, ski lift passes, ski run closure and hire of replacement snow equipment)
Additional rental vehicle insurance excess cover (covering insurance excess from theft or accident to a rental car, campervan, motorcycle or boat)
Specified item cover (personal effects and jewellery)
How can I make a claim?
To make a claim, either go online to qbe.com.au/personal/claim or email travel.claims@qbe.com. You can also phone 1300 555 017 (within Australia) or 61 3 8523 2777 (outside of Australia).
In an emergency contact QBE Assist on 1300 555 019 (within Australia) or 61 3 8523 2800 (outside of Australia). You can also email qbeassist@qbe.com.
Will Eve is the lead publisher of the global team at Finder. He was previously the group publisher for insurance for Finder Australia. Will has a Bachelor of Communications from the University of Technology Sydney. He loves the challenge of launching Finder into new markets while helping grow Finder’s global team.
Medibank is a leading travel insurance provider in Australia offering cover for International comprehensive, International medical only cover and more. Read the finder.com.au review for a breakdown of the policy and more.
Thank you for getting in touch with finder. Some NAB rewards and premium credit cards come with complimentary travel insurance. You may want to check first what type of NAB product you have. You must use your eligible NAB card for a minimum of $500 prepaid travel costs and meet the eligibility requirements to activate the cover. For details of the insurance available on specific cards, refer to the NAB complimentary credit card insurance booklet (available on the NAB website).
Hi,
My son will be traveling to Australia on October 14 to work there under a 462 visa for two months. I am trying to find health insurance for him. I was looking over the QBE site and list of insurers and am trying to find one line Insure4less that has other coverage but in reading the disclosure, it looks like you have to be an Australian citizen or have lived there for “not less than 3 months”. What policies will cover him traveling to Australia?
You have contacted finder.com.au and not actually QBE Travel Insurance, finder.com.au is a comparison and information service and don’t represent any insurance brand listed on our website.
QBE Travel Insurance states travellers under 70 are covered. QBE Travel Insurance is not currently one of the brands in our panel of travel insurers so you will need to contact them directly. If you would like to compare policies from travel insurance brands in our panel, please head to our travel insurance home page.
Please make sure though to read the eligibility criteria, features and details of the policy, as well as the relevant PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
Thanks for getting in touch. finder.com.au is a comparison service and not an insurer. As of 9am 4 October, 2016, QBE is classing any new ash cloud a new event. You may find our Bali ash cloud article helpful.
Thanks for your question. Under the cancellation and additional expenses (section four of the QBE Travel Insurance policy), you’re covered for:
Cancellation or restriction of pre-paid scheduled public transport services caused by severe weather, natural disaster, riot, strike or civil commotion.
Your pre-paid accommodation being destroyed or uninhabitable due to severe weather or natural disaster and no alternative equivalent accommodation is available in the vicinity.
Your normal place of residence in Australia being destroyed or rendered insecure due to a natural disaster.
To claim for any of these events, you must have done everything reasonable to avoid the expenses. For more information, you should consult the product disclosure statement (PDS).
thank you for your answer beforehand. I was membership of QBE Assist travel insurance. I am going to do my tax return and i need to write my QBE ID and other things. Can you send all my details and other thing which i will need for tax return? pls?
Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to get in touch with QBE directly, they can be reached by calling 133 723.
HI
does QBE cover cross country skiing (CCS)which is done on special ccs paths which are normally not incorporated within traditional Alpine ski resorts and their downhill pistes?
Thanks for your question. I have reviewed the QBE travel insurance policy and there is no specific mention of cross country skiing, so if you are planning on taking out cover with QBE it would be advisable to check with them prior to purchase.
You may find our page on Ski Travel Insurance useful. On that page, it lists the insurers within our panel that provide ski insurance. More specifically, Insure and Go and Travel Insurance Direct do cover cross country skiing.
Hello, I am considering buying premier plus travel insurance for a trip to east timor. It is recommended that we get evacuation cover in case of civil unrest. Would this be covered under this plan?
Exclusions for this policy include “a loss caused by, arising directly or indirectly from or in any way connected with war, invasion, act of a foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, or popular uprising.”
However, you may be covered for cancellation costs prior to leaving Australia under this policy, should you decide not to go.
I am in USA and I forgot to take out travel insurance.
Please inform me if possible who I can take out travel insurance with in this circumstance.
I return to Australia june 3rd this year.
Thank you for your enquiry. According the QBE International Travel Insurance Product Disclosure Statement “This policy must be issued prior to the commencement of your trip”. There are a number of policies from other providers that will allow for cover to be taken out even if you are already overseas that you may want to consider. This includes the OneCover Already Overseas Travel Insurance policy.
If I have travel insurance through qbe for the usa and if I require medical treatment or hospitalization do you pay the hospital direct or do you reimburse me for a claim . If something serious happened to me I would imagine it would be quite expensive so do you pay the hospital direct ??
This depends on the type of cover that you have taken out. For example, if you’ve opted for the Emergency Assistance Cover, then you have a 24/7 QBE team on hand to make payments of hospital and medical bills.
Other policies could differ, so please remember to read the PDS before committing to anything.
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finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of major banks, insurers and product issuers.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product. You should consider whether the products featured on our site are appropriate for your needs and seek independent advice if you have any questions.
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How do I get the complimentary travel Insurance cover being a NAB customer
Hi Serge,
Thank you for getting in touch with finder. Some NAB rewards and premium credit cards come with complimentary travel insurance. You may want to check first what type of NAB product you have. You must use your eligible NAB card for a minimum of $500 prepaid travel costs and meet the eligibility requirements to activate the cover. For details of the insurance available on specific cards, refer to the NAB complimentary credit card insurance booklet (available on the NAB website).
I hope this helps.
Have a great day!
Cheers,
Jeni
Hi,
My son will be traveling to Australia on October 14 to work there under a 462 visa for two months. I am trying to find health insurance for him. I was looking over the QBE site and list of insurers and am trying to find one line Insure4less that has other coverage but in reading the disclosure, it looks like you have to be an Australian citizen or have lived there for “not less than 3 months”. What policies will cover him traveling to Australia?
Thanks
Chad
Hi Chad,
Thanks for contacting finder, a comparison website and general information service.
You may compare the health insurance options through this page.
I hope this helps.
Regards,
Judith
does qbe provide travel insurance for Australian residents 68 years of age to all countries in the world, is there any exceptions?
Hi Chris,
Thank you for your inquiry.
You have contacted finder.com.au and not actually QBE Travel Insurance, finder.com.au is a comparison and information service and don’t represent any insurance brand listed on our website.
QBE Travel Insurance states travellers under 70 are covered. QBE Travel Insurance is not currently one of the brands in our panel of travel insurers so you will need to contact them directly. If you would like to compare policies from travel insurance brands in our panel, please head to our travel insurance home page.
Please make sure though to read the eligibility criteria, features and details of the policy, as well as the relevant PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
Cheers,
Zubair
Hi.
I’m flying to Bali next week I was wondering if I would be covered by your insurance if I got stuck there due to ash cloud.
Thanks.
Hi Russell,
Thanks for getting in touch. finder.com.au is a comparison service and not an insurer. As of 9am 4 October, 2016, QBE is classing any new ash cloud a new event. You may find our Bali ash cloud article helpful.
All the best,
Richard
Does this insurance cover natural disasters?
Hi Sharon,
Thanks for your question. Under the cancellation and additional expenses (section four of the QBE Travel Insurance policy), you’re covered for:
To claim for any of these events, you must have done everything reasonable to avoid the expenses. For more information, you should consult the product disclosure statement (PDS).
I hope this was helpful,
Richard
hi there,
thank you for your answer beforehand. I was membership of QBE Assist travel insurance. I am going to do my tax return and i need to write my QBE ID and other things. Can you send all my details and other thing which i will need for tax return? pls?
Thanks
Best regards Sodikjon
Hi Sodikjon,
Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to get in touch with QBE directly, they can be reached by calling 133 723.
I hope this was helpful,
Richard
HI
does QBE cover cross country skiing (CCS)which is done on special ccs paths which are normally not incorporated within traditional Alpine ski resorts and their downhill pistes?
Hi Bill,
Thanks for your question. I have reviewed the QBE travel insurance policy and there is no specific mention of cross country skiing, so if you are planning on taking out cover with QBE it would be advisable to check with them prior to purchase.
You may find our page on Ski Travel Insurance useful. On that page, it lists the insurers within our panel that provide ski insurance. More specifically, Insure and Go and Travel Insurance Direct do cover cross country skiing.
I hope this was helpful,
Richard
Hello, I am considering buying premier plus travel insurance for a trip to east timor. It is recommended that we get evacuation cover in case of civil unrest. Would this be covered under this plan?
Hi Chris,
Thanks for your question.
Exclusions for this policy include “a loss caused by, arising directly or indirectly from or in any way connected with war, invasion, act of a foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, or popular uprising.”
However, you may be covered for cancellation costs prior to leaving Australia under this policy, should you decide not to go.
Cheers,
Shirley
Hello,
I am in USA and I forgot to take out travel insurance.
Please inform me if possible who I can take out travel insurance with in this circumstance.
I return to Australia june 3rd this year.
Kind regards,
Ian
Hi Ian,
Thank you for your enquiry. According the QBE International Travel Insurance Product Disclosure Statement “This policy must be issued prior to the commencement of your trip”. There are a number of policies from other providers that will allow for cover to be taken out even if you are already overseas that you may want to consider. This includes the OneCover Already Overseas Travel Insurance policy.
Thanks again for your enquiry and all the best.
If I have travel insurance through qbe for the usa and if I require medical treatment or hospitalization do you pay the hospital direct or do you reimburse me for a claim . If something serious happened to me I would imagine it would be quite expensive so do you pay the hospital direct ??
Hi Chris,
Thanks for your question.
This depends on the type of cover that you have taken out. For example, if you’ve opted for the Emergency Assistance Cover, then you have a 24/7 QBE team on hand to make payments of hospital and medical bills.
Other policies could differ, so please remember to read the PDS before committing to anything.
Cheers,
Shirley