Suncorp Travel Insurance Review and Policy Comparison | finder.com.au
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Suncorp travel insurance

Suncorp travel insurance review

Zahra Campbell-Avenell
Zahra Campbell-Avenell

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Important:

Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
    • If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
    Imagine you are on a trip of a lifetime and you lose your personal belongings including cash and clothes. In today’s world such incidences are not uncommon and they put you in a tough situation where you are left alone to fend for yourself in a foreign land. Every year thousands of travellers are left to endure financial hardship on their domestic or overseas trip after suffering an unforeseen loss. Travel Insurance ensures that financial support is provided to account for these losses.

    Suncorp is one of the largest general insurance groups in both Australia and New Zealand. Every year thousands of Australians face mishaps like death, illness and evacuation when they are abroad and Suncorp makes the best possible efforts to deal with these situations. It provides a range of affordable insurance covers so that you don’t have to think twice before travelling abroad.

    Suncorp travel insurance is not currently available via finder. You can visit their website at www.suncorp.com.au for more information or compare alternative options available below.

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    warning 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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    Suncorp Company Profile

    The Suncorp Group includes leading general insurance, banking, life insurance and superannuation brands in Australia and New Zealand. The Group has 15,000 employees and relationships with nine million customers. It has a well-known portfolio of personal and commercial insurance brands including AAMI, GIO, Suncorp, Vero, Apia and Shannons, and has established reputations for insurance innovation and customer service. The company has five core businesses which are Personal Insurance, Commercial Insurance, Vero New Zealand, Suncorp Bank and Suncorp Life. These are supported by corporate and shared services divisions. Their business strategy is to gain the marketing benefits of a portfolio of leading brands and the scale benefits of a single group. Today, the Suncorp Group includes Australia's leading regional bank and a specialist life insurance business. Suncorp Life specialises in life insurance and also has a leading superannuation business. The general insurance businesses deliver products and services to personal customers, small and medium sized businesses, and to corporate clients. They are sold directly or through intermediaries such as brokers. The company is committed to working with innovative partners to deliver leading quality, cost and time benefits for their customers and returns for their shareholders. Their New Zealand insurance brand, Vero, is a leader in advocating the changes required to strengthen the local general insurance industry and is also active in the recovery of Christchurch after the major earthquakes of 2010 and 2011.

    Benefits of Suncorp Travel Insurance

    Suncorp provides you with flexible travel insurance policies for business and pleasure. Whether you are planning a family holiday in France or hiring a car for a road trip in the UK, their covers are there to help you. A Suncorp Holiday Travel Insurance policy or a Suncorp Multi-Trip Travel Insurance policy helps to cover you for the things that really matter, like medical expenses, personal baggage and cancellation charges, leaving you free to enjoy your trip. Suncorp Travel Insurance is issued by AAI Limited as Vero Insurance (Vero), a member of the Suncorp Group. Suncorp Insurance is a brand of AAI Limited. You are advised to refer to the relevant Suncorp Product Disclosure Statement (PDS) for the full terms and conditions and the exclusions and limitations of their travel insurance products. Suncorp is committed to working with its partners to benefit both its customers and its shareholders. For example, Capital S.M.A.R.T. Repairs and QPlus Productions are leading the way in customer satisfaction rates, as well as reducing the costs associated with motor repairs. Suncorp greatly values the communities in which people live and work. The company supports some wonderful initiatives and programmes aimed at helping people, and it also provides a range of banking, insurance and investment services to Australians. It focuses on different ways in which it can make a difference to people’s lives and so sponsors a host of events which bring the community together, provides assistance to charities to help raise funds, communicates health issues, supports medical research and sponsors sport and entertainment venues. Suncorp Stadium is recognised as one of the best sports and outdoor concert venues in Australia. It provides Brisbane and south east Queensland with a 52,500 seat capacity state-of-the-art arena. The stadium hosts a variety of events throughout the year.

    Suncorp Travel Insurance Policy Options

    Suncorp travel insurance policies ensure that you have a comfortable trip while they take care of everything. People who think they are healthy and do not need travel insurance should think again. Travel insurance policies not only provide you with medical protection but also cover you in case you lose your personal belongings or your flights get cancelled. Basically they cover you for the unexpected things that may happen while you travel. If you are travelling with your family or you are travelling alone, be assured that someone will be right there for you in case you need help. If you are an occasional traveller, Suncorp advise you to take their Holiday Travel Insurance policy which covers you for a single trip. On the other hand, if you travel frequently you are advised to go for their Annual Multi-Trip Travel Insurance policy which provides an annual cover. Their online service is quick and easy so your quote is just a click away. Both the policies give you the option of a single policy or a family policy. The single policy covers only the person named as the insured on the schedule, and one child or grandchild who accompanies them on the journey. A family policy covers the persons named as the insured on the schedule, and their husband, wife or de-facto partner, and their children or grandchildren who accompany them on the journey. With Annual Multi-Trip Travel Insurance you not only get the features provided in the Holiday Travel policy like cover for overseas medical and dental expenses, unlimited cancellation charges and cover for loss or damage to your personal baggage, but also a host of additional features aimed at making your trip comfortable. You can easily use their online services for making claims, payments and retrieving saved quotes, and their Accident Assist app aims to make claims all the more easy in case of emergencies.

    Suncorp Travel Insurance Benefits

    The key features provided by Suncorp Holiday Travel Insurance cover are:

    • Overseas medical and dental expenses: the policy provides cover for reasonable unlimited medical expenses incurred outside Australia arising from an illness or injury and dental expenses resulting from injury up to $1,000 for a Single Policy and $2,000 for a Family Policy.
    • Unlimited cancellation charges: the policy provides cover for reasonable travel and accommodation expenses if your journey is cancelled for any unforeseen circumstances outside of your control, if you have already paid for the expenses and cannot recover them from anyone else.
    • Cash paid while in hospital: the policy will pay a cash allowance of $100 per day, up to a maximum of $6,000 for a single policy or up to $12,000 for a family policy if you are in an overseas hospital for more than 48 hours.
    • Personal baggage: the policy provides cover for loss or damage to your personal baggage, clothing or personal effects of up to $6,000 for a single policy or up to $12,000 for a family policy.
    • Personal Liability: the policy will cover your personal legal liability up to $5 million.

    Suncorp Annual Multi-Trip Travel Insurance cover provides additional features apart from those of Suncorp Holiday Travel Insurance cover. These key features include:

    • Annual renewable multi-trip policy: the policy provides cover for an unlimited number of trips per year, with a maximum of 90 days per trip.
    • Loss of income: the policy provides cover of up to $1,000 per month to a maximum of $10,000, for loss of income if you are injured during your journey and are unable to perform your normal work in Australia. This limit is increased to up to $1,500 per month to a maximum of $15,000 for a family policy.
    • Substitute person to complete your business: reasonable transport and accommodation expenses for a substitute person to complete your business (up to $10,000 for a single policy, or $20,000 for a family policy) if you suffer an injury or illness on your journey.
    • In addition to this, Suncorp Annual Multi-Trip Travel Insurance provides higher limits for loss or damage to your personal baggage, clothing or personal effects of up to $8,000 for a single policy and up to $15,000 for a family policy.

    Making a Suncorp Travel Insurance Claim

    Whether you are in Australia or overseas, you can make a claim by a call, an email or fax. You will need to provide some information as well as documents at your own expense, such as original medical and dental certificates, specialist doctors’ reports, police reports, original proof of ownership such as receipts, invoices, packaging, travel itineraries, airline, train, bus or other transport tickets, luggage tags etc. You should immediately send them any court or legal documents or other communication you receive about the claim. You are requested not to take any action yourself or ask anyone else to act on your behalf. They assess and finalise the claims only in Australia so the time taken to settle claims will vary from country to country. Within ten business days of receiving all the information, they will inform you whether your claim has been accepted or rejected. While calculating the amount for your claim they consider certain aspects which include the amount of loss, damage or liability, the excess, the policy limit and the terms and conditions of the policy. Once they accept your claim, only they have the right to make or accept any offer or payment, or in any other way admit that you are liable for the claim. They also reserve the right to settle or defend any claim.

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    22 Responses

      Default Gravatar
      valerie,October 5, 2015

      I am planning a 17 day Asia cruise including 1 day in Nagasaki, will a World Wide cruise excluding Japan cover me ?

      Reply
        Avatarfinder Customer Care
        RichardOctober 6, 2015Staff

        Hi Valerie,

        Thanks for your question. You will not have cover if a destination is excluded.

        I hope this was helpful,
        Richard

        Reply
      Default Gravatar
      BobSeptember 10, 2015

      If I have to cancel the cruise because of illness am I entitled to a refund of all that I have expended.

      Reply
        Avatarfinder Customer Care
        RichardSeptember 10, 2015Staff

        Hi Bob,

        Thanks for your question. It’ll depend on whether or not your policy have a provision for cancellation and if your illness was a pre-existing condition or not.

        I hope this was helpful,
        Richard

        Reply
      Default Gravatar
      elliJuly 13, 2015

      I wish to buy annual travel insurance. to travel to Canada return and also india return all in 2015. Is this possible ?

      Reply
      Default Gravatar
      PamelaJune 23, 2015

      I have just nearly completed paying for a travel Ins quote on your web site, when I accidently clicked out of the site[ without completing the transaction. Can you find it again for me please & advise if theres more I need to do to complete the form??
      Thanking you
      Pam

      Reply
        Avatarfinder Customer Care
        RichardJune 23, 2015Staff

        Hi Pam,

        Thanks for you’re question. finder.com.au is a comparison service and not does not have an affiliation with Suncorp Travel Insurance. If you would like to contact them directly, one of their consultants may be able to help you. Alternatively, if you would like to compare the policies provided by the insurers in our panel, please enter your travel details into the comparison form on the homepage.

        I hope this was helpful,
        Richard

        Reply
      Default Gravatar
      joyFebruary 18, 2015

      we are travelling on 4 day tour from Beenleigh to Kingaroy(2nights )then across to Gympie then Maroochydore (1night) and home. This will cost $1.000 for hubby & myself. Can we take travel insurance and what cost for this amount.

      Reply
        Avatarfinder Customer Care
        RichardFebruary 18, 2015Staff

        Hi Joy,

        Thanks for your question. Unfortunately, finder.com.au is a comparison service and not an insurer. If you are interested in taking out cover through Suncorp, you will need to contact them directly as the are not part of our panel of insurers. However, if you would like to compare policies from insurers in our panel, please enter your travel details into the quoting engine on the travel insurance home page.
        http://www.finder.com.au/travel-insurance

        I hope this was helpful,
        Richard

        Reply
      Default Gravatar
      LIZNovember 19, 2014

      Does my travel insurance cover the sickness/death of an elderly relative?

      Reply
        Avatarfinder Customer Care
        RichardNovember 20, 2014Staff

        Hi Liz,

        Thanks for your question. According to the Suncorp Travel Insurance PDS:

        “We will not pay a claim for your cancelled travel and accommodation expenses that arise because of the death, illness or injury of someone other than you, your travelling companion or a relative.”

        I hope this was helpful,
        Richard

        Reply
      Default Gravatar
      barryNovember 6, 2014

      I need to speak to someone regarding my claim?

      Reply
        Avatarfinder Customer Care
        RichardNovember 7, 2014Staff

        Hi Barry,

        Thanks for your comment. Unfortunately, finder.com.au is a comparison site and not an insurer. You will need to contact Suncorp directly. Suncorp can be reached on 13 25 24.

        I hope this was helpful,
        Richard

        Reply
      Default Gravatar
      RayJune 30, 2014

      Does your travel insurance cover a 70yr old?

      Reply
        Default Gravatar
        EnidJuly 29, 2014

        Does your travel insurance cover our flights etc in Australia as well as Norfolk island

        Reply
        Avatarfinder Customer Care
        ShirleyJuly 30, 2014Staff

        Hi Enid,

        Thanks for your question.

        Suncorp Travel Insurance provides cover for cancelled travel and accommodation expenses to Norfolk Island. Please refer to the PDS for more information.

        Cheers,
        Shirley

        Reply
        Avatarfinder Customer Care
        ShirleyJuly 1, 2014Staff

        Hi Ray,

        Thanks for your question.

        It depends which policy you take out, and whether you have any pre-existing medical conditions. For example, the Holiday Travel insurance generally covers those up to the age of 75, but if you have asthma as a pre-existing condition you’re covered up to the age of 60.

        Please read the Product Disclosure Statement to determine whether you’re covered.

        Cheers,
        Shirley

        Reply
      Default Gravatar
      DavidApril 25, 2014

      Other insurers cover unlimited medical expenses, what does the word “reasonable” imply in your cover

      Reply
        Avatarfinder Customer Care
        ShirleyApril 30, 2014Staff

        Hi David,

        Thanks for your question.

        Generally speaking the term ‘reasonable’ means that you have acted in a reasonable way in protecting yourself, or the insured item or service in question.

        Cheers,
        Shirley

        Reply
      Default Gravatar
      SteveMarch 26, 2014

      i want to travel to thailand and have coverage for use of a scooter. Is this possible?

      Reply
        Avatarfinder Customer Care
        ShirleyMarch 26, 2014Staff

        Hi Steve,

        Thanks for your question.

        Suncorp travel insurance generally excludes motorcycles, unless it was hired, the motorcycle has an engine capacity of 200cc or you (as the driver) or the driver (if you are a passenger) holds a current motorcycle license.

        Please remember to check the PDS before committing to anything.

        Cheers,
        Shirley

        Reply
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