Simply Travel Insurance review

Want Simple Travel Insurance to help protect you on your travels?

Simply Travel Insurance

When you’re travelling, things can and often do go wrong at the worst possible time. Baggage gets misplaced, thieves can steal your valuables, flights are delayed and cancelled, and illness and injury can turn your best-laid holiday plans upside down. And when you’re overseas when problems arise, your dream trip can quickly turn into a complete nightmare.

No matter what type of holiday you are taking or where you’re going, good travel insurance can help to protect you against the unexpected. Not only does travel insurance offer some security against the possibility of losing the money spent on your holiday, it can also help give you more peace of mind. It’s an important consideration whenever you’re travelling, no matter whether you’re taking a quick trip interstate or embarking on a long getaway overseas.

Note: The policy information on this page is current as of the initial time of writing, but insurance policies are subject to change and information may be outdated at the time of reading.

Policies Offered From Simply Travel Insurance

Brands Product Product Details Apply
Simply Travel Insurance Single Trip Comprehensive

Unlimited cancellation fees and lost deposits

Unlimited overseas emergency medical expenses

$7,500 luggage and personal effects

$5,000 hospital cash allowance

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Simply Travel Insurance Frequent Traveller

Unlimited cancellation fees and lost deposits

Unlimited overseas emergency medical expenses

$7,500 luggage and personal effects

$5,000 hospital cash allowance

Get quote
Simply Travel Insurance Budget Cover

Unlimited overseas emergency medical assistance

Unlimited overseas emergency medical expenses

$5 million personal liability

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Simply Travel Insurance Australia Only

Unlimited cancellation fees

$6,000 car rental excess

$7,500 luggage and personal effects

$2,000 travel delay expenses

Get quote

Simply Travel Insurance’s mission is to take the hassle out of purchasing travel insurance. Run by senior executives from the accommodation and travel industry, Simply Travel insurance knows what Australians are looking for in their travel cover and offers policies to suit a wide variety of people. Not only that, but Simply Travel is an online brand to help keep costs down.

Who is Simply Travel Insurance?

As mentioned above, Simply Travel Insurance was founded by senior executives from the accommodation and travel industry with an in-depth understanding of the industry and travel patterns. That wealth of specialty knowledge was put into practice to create travel insurance solutions for a combination of affordability and effective cover.

Because Simply Travel Insurance is an online brand, it may be more able to offer customers cover at affordable rates. Without travel agents or airlines to pay a commission to, Simply may provide its insurance policies at lower prices. Cover can also be confirmed quickly online, helping to take the stress out of the sometimes time-consuming process of applying for insurance.

To help keep the process quicker, Simply Travel Insurance offers three policy options: Comprehensive, Budget and Frequent Traveller. These policies offer different levels of cover for a range of travellers, from those looking for basic insurance to those looking for comprehensive cover for a range of events.

Simply Travel Insurance Policies

  • Comprehensive. This plan is designed for travellers who want a high level of cover. It’s designed to offer peace of mind with a range of features such as cancellation cover; emergency expenses and overseas, medical hospital and dental cover, along with cover for theft, loss or damage to your belongings while you are travelling. Available for singles, duos and also families, Comprehensive offers a breadth of cover with higher benefit limits than more basic policies.
  • Frequent Traveller. If you’re a regular traveller who takes more than two to three trips each year, this policy could be a suitable option for you. Designed to be flexible, this policy provides a range of benefits while covering multiple journeys within a 12-month period. Each single trip must be no longer than 37 days for a holiday, or 90 days for a business trip. Your spouse and children can also be covered, as long as you list them when you purchase the policy.
  • Budget. As the name suggests, this policy is intended to be an affordable option, compared to more comprehensive ones. Rather than containing cover for a huge range of possible events, Budget insurance can cover you against major problems that could occur. It provides unlimited overseas medical coverage, as well as cover for the costs of repatriating you back to Australia if something goes seriously wrong. There’s also a personal liability component in case of other accidents while overseas. It’s a no-frills policy to help deliver some of the more potentially important types of cover as you hit the road.

Simply Travel Insurance Policy Benefits

The range of benefits found on Simply Travel Insurance policies includes:

  • Cancellation fees and lost deposits. If your journey is cancelled or shortened by circumstances beyond your control, for example illness or job loss, your policy can pay your cancellation fees and lost deposits for travel and accommodation costs you have paid in advance and cannot recover.
  • Overseas emergency medical assistance. Allianz Global Assistance is able to help in the event of an overseas medical emergency. This may also include the cost of your repatriation to Australia.
  • Overseas emergency medical and hospital expenses. If you injure yourself or become sick while overseas, Simply Travel Insurance can reimburse your medical and hospital expenses until you return home.
  • Additional expenses. Simply Travel Insurance policies can cover additional travel or accommodation expenses incurred while you are unable to travel due to sickness or injury.
  • Hospital cash allowance. You may receive a daily allowance for every day you are in hospital, after being hospitalised overseas for at least 48 continuous hours.
  • Permanent disability. If you are injured during your trip and become permanently disabled, you may receive a benefit payment to help cover expenses.
  • Loss of income. If you’re disabled during your journey and are then unable to return to work, you can receive a weekly payment for a period of up to 26 weeks to help cover your loss of income.
  • Travel documents, credit cards and travellers cheques. If your travel documents, credit cards or travellers cheques are lost or stolen during your journey, you are able to be reimbursed for the cost of replacing them.
  • Theft of cash. Simply Travel Insurance policies can pay out for cash, bank notes, currency notes, postal orders or money orders stolen from your person.
  • Luggage and personal effects. If your luggage or personal effects are stolen, damaged or lost on your journey, your policy is able to cover the cost of their repair or replacement.
  • Luggage and personal effects delay expenses. If your luggage or personal effects are delayed or misplaced by a carrier for more than 12 hours, your policy may cover the cost of purchasing emergency essentials such as clothing and toiletries.
  • Travel delay expenses. If circumstances beyond your control cause your journey to be delayed, your policy can cover the resulting additional meals and accommodation expenses.
  • Alternative transport expenses. If cancellations or delays mean you won’t be able to make it to a special event, such as a wedding or a business conference, the cost of additional travel expenses to arrive on time can be covered.
  • Personal liability. This feature can pay out if you are found to be legally liable and must pay compensation to a third party.
  • Rental vehicle. This can help cover the rental company excess if your rental car is involved in an accident or otherwise stolen or damaged.

Simply Travel Insurance Exclusions

  • No cover if you do not act in a responsible way or if you do not act to reduce your loss as much as reasonably possible.
  • No cover if your claim is for a loss which is recoverable by compensation under any workers compensation or transport accident laws, or by any government sponsored fund, plan, or medical benefit scheme.
  • You are not covered if your claim arises from errors or omissions in your booking arrangements or from your failure to obtain relevant visa, passport or travel documents.
  • No cover if you were acting illegally.
  • There is no cover if your claim arises from riding a motorcycle, moped or scooter without a current Australian motorcycle licence, or if you’re a passenger on one of these vehicles operated by someone without a licence.
  • If you ignore a government travel advisory or advice in the mass media and travel to a particular country, you will not be covered.
  • You will not be covered under acts of war, or if your claim arises from a nuclear reaction or contamination from nuclear weapons or radioactivity.
  • No cover if your claim arises from a pre-existing medical condition.
  • No cover if you’re travelling against your doctor’s advice.
  • There is no cover if your claim arises out of pregnancy, childbirth or related complications, except under certain conditions.
  • No cover if your claims is related to depression, anxiety or mental illness.
  • There is no cover for sexually transmitted diseases.
  • You will not be covered if you engage in open water sailing, play polo, go mountaineering or rock climbing using ropes or climbing equipment (other than for hiking), go paragliding or participate in a range of other activities.

Making a Simply Travel Insurance Claim

Simply Travel Insurance aims to make the claims process as easy as possible. You must give them notice of your claim as soon as reasonably possible by calling their claims department on 1300 725 154. If you don’t do this within a certain time frame, the benefits paid may be reduced.

To submit your claim:

  • Go to
  • Enter your Simply Travel Insurance policy number, surname and date of birth on the Travel Claims page
  • Download and complete the claim form
  • Collect any documentation Simply Travel Insurance requires—this may include police reports, valuations, medical reports, original receipts or proof of ownership
  • Email, fax or post your completed claim form along with any supporting documentation

Claims are typically processed within 10 working days and you can follow the progress of your claim at Claims are payable to you in Australian dollars.

Visit the Simply Travel Insurance website and purchase cover securely online

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2 Responses

  1. Default Gravatar
    ValerieFebruary 14, 2015

    I have a quick quote from the Internet for Insurance through you but would like to know more please. Do you do cruise cover or is this included in the quote I already have. Also as my husband and I are seniors ages being 76 and 72 is there a different price for this. It is for a 9 night cruise in the Pacific. Thank you

    • Avatarfinder Customer Care
      RichardFebruary 16, 2015Staff

      Hi Valerie,

      Thanks for your question. Unfortunately, is a comparison service and not an insurer. However, if you are enquiring about simply travel insurance, they do provide cover for cruise travel. You will need to ensure that if the cruise is going to spend more than 48 hours outside of the Pacific Geographical region, to select an appropriate location. The comprehensive policy from Simply Travel Insurance is available to seniors but travellers aged over 50 attract increased premiums.

      I hope this was helpful,

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