Simply Travel Insurance review

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.

Finder's favourite features:

1. Underwritten by Lloyd's, one of the world's largest insurance underwriters.
2. Easy-to-read Product Disclosure Statement so you can understand the benefits of your policy
3. Simple claims process, email or post.

Choose from 4 policies

Brands	Product	Product Details	Apply
	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	Get quote
	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
	Budget Cover	Unlimited overseas emergency medical assistance Unlimited overseas emergency medical expenses $5 million personal liability	Get quote
	Australia Only	Unlimited cancellation fees $6,000 car rental excess $7,500 luggage and personal effects $2,000 travel delay expenses	Get quote

• Who Underwrites Simply Travel Insurance?

  Simply Travel travel insurance plans are underwritten by certain underwriters at Lloyd's, which is the world's largest specialist insurance market.

Summary of Simply's Single Trip Comprehensive policy

^{Table updated February 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.

^{Table was last updated: August 2019}

• Simply Travel Insurance benefits explained

  • 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.

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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.

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