Simply Travel Insurance review

Easy comparison of 4 policies, Simply Travel Insurance aims to uncomplicate things.

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Updated Jul 6, 2021

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Important:

Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:

Some policies may not be available through Finder at this time
It’s unlikely that your policy will cover expenses from border closures

Simply Travel Insurance prepares you for the unexpected things that comes along with travelling. We've done the research and outlined everything you need to know so that you can decide if Simply Travel Insurance is right for your trip.

Simply Travel Insurance is no longer offering travel insurance. However, the information on this page has been kept for the benefit of existing customers. Otherwise, you can compare available travel insurance policies here.

Compare your travel insurance quotes

Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
International travel insurance is limited and sometimes unavailable at this point.

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Summary of Simply's Single Trip Comprehensive policy

Overseas Medical and Hospital Expenses	Unlimited
Cancellation and Amendment Fees	Unlimited
Luggage and Personal Effects	$7,500
Maximum Age Limit	130

^{Table updated June 2020}

Simply Travel Insurance review of benefits

There are four separate travel insurance policies on offer. We have summarised the most important benefits of each in the table below.

Benefits	Comprehensive	Budget	Frequent Traveller	Australia Only
Overseas medical expenses	Unlimited	Unlimited	Unlimited
Overseas dental expenses	$500	$500	$500
Loss of income	$10,400		$10,400
Credit card fraud and replacement	$5,000		$5,000
Luggage and personal effects	$7,500		$7,500	$7,500
Luggage and personal effects delay	$250		$250
Additional accommodation and travel expenses	$50,000		$50,000	$50,000
Cancellation fees and lost deposits	Unlimited		Unlimited	Unlimited
Rental vehicle insurance excess	$6,000		$6,000	$6,000
Personal liability	$5,000,000	$5,000,000	$5,000,000	$5,000,000

^{Table was last updated: June 2020}

- Overseas medical and dental expenses. It isn't pleasant to get sick. It's even worse to get sick when you're far from home and being left with a colossal hospital bill. If you require medical treatment while you're away, Simply Travel Insurance can help with the costs of medical and dental treatment.
- Loss of income. If you sustain an injury overseas that leaves you unable to work for more than 30 days after returning home, Simply Travel Insurance may reimburse you for any income lost during this period up to a certain limit.
- Credit card fraud and replacement. When you're overseas and somebody defrauds your credit card, you can be protected against financial loss. This cover extends to the replacement of travel documents like passports.
- Luggage and personal effects. There's always the possibility that your luggage could get lost, stolen, or accidentally damaged. In this eventuality, Simply Travel Insurance may either replace or repair your lost belongings, up to a certain limit.
- Luggage and personal effects delay. When your belongings get held up for more than 12 hours than they were meant to, you can be given a certain allowance to purchase essential items of clothing and other personal effects.
- Cancellation fees and lost deposits. Sometimes, things go wrong and plans change. If accommodation or travel plans you'd made don't end up getting used because of circumstances outside your control, you could have some or all of the cost refunded.
- Rental vehicle insurance excess. When a borrowed vehicle gets lost or stolen under your care, the rental company may demand you pay an excess. This can cover that cost.
- Personal liability. An unfortunate accident while you're out travelling can lead to you owing a bunch of compensation money to a third party. This feature can help save you the headache - and the expense.

Review of policies by Simply Travel Insurance

You have a choice of four different policies when you buy from Simply Travel Insurance. Their major features are detailed here.

Comprehensive

Contains all of Simply Travel's top features. Unlimited medical cover, increased lost luggage protection, cancellation cover for flexibility and other important features like personal liability

Budget

The basic form of cover for overseas travel. This policy offers only the most basic of protection. Unlimited medical cover, some dental cover, and personal liability.

Frequent Traveller

For travellers under 64 who are planning multiple trips of less than 90 days in a single year. Can be purchased in domestic or international plans

Australia Only

Cover for when you're only travelling through Australia. It keeps costs down by removing less important features like medical expenses.

What options can I add-on to my Simply Travel Insurance?

You can choose to tailor your cover to your needs with add-options. Add-ons will generally raise the cost of your insurance premium. None of the following are available to the Budget plan.

High value items. If you have particularly precious belongings that are less than 12 months old, you can add up to $5,000 of extra cover onto your policy to cover their value.
Cruise pack. This option extends your cover to cruise ships and adds a few cruise-specific types of cover, like missed cruise departures or missed port cover. You won't be covered for any claims on a cruise without this add-on.
Winter sports. This provides a collection of winter sport-specific cover, including piste closure, unlimited emergency rescue costs, bad weather and avalanche closure, and more.

What isn't covered by my policy?

Any policy you purchase will have its own set of situations where your cover isn't valid. Simply Travel Insurance won't pay out your claim if:

You don't act responsibly or do your best to avoid making a claim.
You do something illegal or break a visa requirement.
You're riding in a motorcycle or moped and the driver does not have a valid licence for the country you're in.
You make the decision to travel to a country or region despite warnings from the Australian Government at www.smarttraveller.gov.au or the mass media.
It is tied to a pre-existing medical condition you failed to have approved by Simply Travel before you purchase your policy.
You were acting under the influence of alcohol or any drug that you weren't prescribed.
You travel in any form of air transport other than a licensed passenger aircraft operated by a company.
You engaged in a dangerous or risky activity, including things like polo, quad biking, and hang-gliding.

Claim and contact details for Simply Travel Insurance

Emergency assistance:+61 2 8776 3010

Make a claim via email: Download the claims form here, https://www.simplytravelinsurance.com.au/assets/TCF-TCC-OCT2019.pdf. Email the completed form with supporting documents to info@travelclaimscentre.com

Make a claim via post:https://www.simplytravelinsurance.com.au/assets/TCF-TCC-OCT2019.pdf. Post the completed form and supporting documents to;
Simply Travel Insurance
PO Box 6798
Baulkham Hills
NSW 2153

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Zahra Campbell-Avenell

As Head of Publishing and Editorial for Finder in Australia, Zahra Campbell-Avenell leads a team of experts to deliver on Finder's mission to help people make better decisions with their money. Zahra has over 12 years of experience in editorial content, and a Bachelor of Arts in Anthropology and English from Georgetown University in Washington DC.

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2 Responses

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

finder Customer Care

RichardFebruary 16, 2015Staff

Hi Valerie,

Thanks for your question. Unfortunately, finder.com.au 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,
Richard