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Does travel insurance cover loss of income?

It sure can. Find travel insurance to cover loss of income.

Many comprehensive travel insurance policies include a loss of income benefit. Under the benefit, you’ll receive an ongoing weekly benefit if you are injured during your journey and are then unable to return to work when you get home. A regular income while you are unable to earn a living, can provide the financial assistance you need to keep your head above water and focus on recovering.

What you need to know

  • The loss of income benefit covers you if you’re seriously injured, and unable to return to work when you get back home. You can be covered for that lost income.
  • Illness is usually excluded from this benefit.
  • Loss of income is a common benefit found in most travel insurance policies.

How does travel insurance protect me?

If you're injured on your travels and can't return to work, then travel insurance can provide you with:

  • A substitute income up to a maximum specified amount
  • Cover for an extended period of time
  • Payments on weekly basis or monthly basis

Which brands cover loss of income?

ProviderMaximum covered?Payment lengthCover for dependents?ConditionsApply
Medibank Travel Insurance

Medibank

$10,000Up to 6 months
  • No
No payment for the first 30 days after you originally planned to resume your work in Australia
Bonus
Get quote
ahm Travel Insurance

ahm

$10,000Up to 6 months
  • No
No payment for the first 30 days after you originally planned to resume your work in Australia
Bonus
Get quote
insureandgo

InsureandGo

$10,400Up to 26 weeks
  • No
We will not pay for the first 28 days of your disablement from the time you return home
Finder AwardBonus
Get quote
Kogan logo

Kogan

$45,000Up to 6 months
  • No
No payment for the first 15 days after you originally planned to resume your work in Australia
Bonus
Get quote
Tick Logo

Tick

$10,400Up to 6 months
  • No
No payment for the first 30 days of disablement from the time you return to Australia
Bonus
Get quote
Zoom logo

Zoom

$10,400Up to 26 weeks
  • No
No payment for the first 30 days of disablement from the time you return to Australia
Get quote
Fast Cover Logo

Fast Cover

$10,400Up to 26 weeks
  • No
No payment for the first 30 days of disablement from the time you return to Australia
Finder AwardBonus
Get quote
World2Cover Logo

World2cover

$10,400Up to 26 weeks
  • No
No payment for the the first 4 consecutive weeks of Loss of Income after you planned to resume your original employment
Get quote
Covermore logo

Cover-More

$45,000Up to 6 months
  • No
No payment for the first 15 days after you originally planned to resume your work in Australia
Bonus
Get quote
Southern Cross LogoSCTI

Southern Cross

$6,500Up to 13 weeks
  • No
No payment for the first 30 days after the day you would have returned to your job
Finder Award
Get quote
Travel Insurance Saver

Travel Insurance Saver

$10,000Up to 6 months
  • No
No payment for the first 30 days after you originally planned to resume your work in Australia
Get quote
Easy Travel Insurance

Easy

$10,400Up to 6 months
  • Yes
No payment for the first 30 days after you originally planned to resume your work in Australia
Get quote
Australia Post

Australia Post

$10,000Up to 6 months
  • Yes
No payment for the first 30 days after you originally planned to resume your work in Australia
Get quote

Table updated August 2023

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What conditions are not covered by travel insurance?

Some providers will exclude disability as a result of illness from loss of income cover. Other common exclusions are:

  • No cover for any loss of income as a result of your death
  • No cover for the first 30 days after you planned to return to work
  • No cover if you do not become disabled within 30 days of the injury
  • The benefit will only be paid for a limited time period, for example a maximum of 26 weeks
  • No cover if your injury is covered by any other insurance or statutory benefits
  • No cover for the loss of income of your dependents

What should I do if I’m injured overseas?

There are several things you can do to ensure that you receive the best possible care if you’re injured overseas, including:

  • Notify your insurer. You need to notify your insurer of any incident that may lead to a claim as soon as possible. You’ll usually need to fill out a claim form and your insurance provider will advise you of any other steps you need to take.
  • Get reports. If you’re caught up in an incident that involves the police, get a written copy of any police report. Ask your doctor for a medical report that includes the date of the accident, the injuries you received and any treatment.
  • Keep your receipts. In some cases your insurer will cover all your medical bills upfront, but in other situations you’ll need to pay for some expenses out of your own pocket and claim them back later. Make sure to keep receipts for everything.
  • Comply with your insurer’s requests. If your insurance provider requests additional information or documents to support your claim, make sure you provide them as soon as possible.

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