Simply Travel Insurance review

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

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Simply Travel Insurance

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
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

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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

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Summary of Simply's Single Trip Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesUnlimited
Luggage and Personal Effects$7,500
Maximum Age Limit130

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.

BenefitsComprehensiveBudgetFrequent TravellerAustralia Only
Overseas medical expensesUnlimitedUnlimitedUnlimited
Overseas dental expenses$500$500$500
Loss of income$10,400
Credit card fraud and replacement$5,000
Luggage and personal effects$7,500
Luggage and personal effects delay$250
Additional accommodation and travel expenses$50,000
Cancellation fees and lost depositsUnlimited
Rental vehicle insurance excess$6,000
Personal liability$5,000,000$5,000,000$5,000,000$5,000,000

Table was last updated: August 2019

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.


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


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.

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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 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, Email the completed form with supporting documents to

Make a claim via post: Post the completed form and supporting documents to;
Simply Travel Insurance
PO Box 6798
Baulkham Hills
NSW 2153

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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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