QBE Travel Insurance

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.

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What travel insurance policies does QBE offer?

• 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?

What won't be covered by my policy?

General exclusions include:

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

• Can I make changes to my policy?

  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).

• Am I covered for pre-existing conditions?

  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)
  • Lung diseases (eg emphysema, chronic bronchitis, cystic fibrosis)
  • Neurological disorders (eg multiple sclerosis, Parkinson’s disease, motor neurone disease, muscular dystrophy)

  • Organ transplants
  • Chronic pain
  • Any cancer excluding non-melanoma skin cancers
  • Any other high-risk condition

• Is there a cooling-off period?

  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.

• What additional benefits can I purchase?

  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.