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Travel Insuranz

Travel Insuranz Review

Catered towards the younger traveller, Travel Insuranz offers budget-friendly prices and unlimited overseas medical cover on all of its policies.

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Cristal Dyer

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James Martin
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    Our Verdict

    • Travel Insuranz's cover limit of $7,500,000 for personal liability on its Deluxe plan was the highest sum of 10 brands that we reviewed.
    • This travel insurance company offers a competitive rate of up to $10,000 for trip cancellation fees, lost deposits or curtailment (i.e. cutting your trip short) for both domestic and international holidays.
    • Travel Insuranz does not cover any travellers over the age of 65. Compared to SCTI, Insure and Go and Travel Insurance Saver, that cover senior travellers up to and above the age of 100, this seems quite low.

    Review by our senior insurance writer James Martin

    Offering four different levels of travel insurance cover, suitable for both single trips and multi-trip scenarios, Travel Insuranz is a versatile choice. Find, compare and review all of its policies below.

    Travel Insuranz is not currently available via finder. You can visit their website at www.travelinsuranz.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 🦘
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    Travel Insuranz is a trading name of Online Insurance Solutions Proprietary Limited. Online Insurance Solutions Proprietary Limited has been authorised by Certain Underwriters at Berkshire Hathaway Specialty Insurance Company (Insurer) to act on its behalf in providing general advice, cancelling, varying, issuing, arranging and in relation to the Insurer’s travel insurance products. Online Insurance Brokers Pty Ltd issues certificates of insurance under a binding authority with Berkshire Hathaway Specialty Insurance Company.

    Summary of Travel Insuranz's Deluxe policy

    Overseas Medical and Hospital ExpensesUnlimited
    Cancellation and Amendment Fees$10,000
    Luggage and Personal Effects$7,500
    Maximum Age Limit70

    Table updated October 2021

    More about Travel Insuranz

    Travel Insuranz is 100% Australian-owned and its policies are Travel Insuranz is issued by Chase Underwriting and underwritten by certain underwriters at Lloyd's.

    Travel Insuranz does its best to pay all valid and fully documented claims within ten business days. It offers streamlined online processing and round-the-clock medical assistance. Customers also get a 15-day money-back guarantee provided your trip hasn’t started and you haven’t yet made a claim.

    What policies can I choose from?

    Travel Insuranz has four main levels of cover to choose from. Each successive level of cover contains all of the benefits of the one before it plus a few additional benefits. The amount covered for each benefit generally increases from level to level.

    • Classic. The most basic level of cover.
    • Premier. Contains all the benefits of Classic with a few additional benefits and higher benefit amounts for most items.
    • Premier Plus. Contains all the same benefits of Premiere, but with higher benefit amounts for some items.
    • Deluxe. Contains all the benefits of Classic and Premier with a few additional benefits and higher benefit amounts for most items.

    All four levels of cover can be applied to one of two travel situations through Insuranz:

    • Single Trip. This covers a single trip of up to 365 days in duration, including one-way travel.
    • Annual Multi Trip. If you travel in and out of Australia often, this will cover one year’s worth of unlimited trips. Individual trips have a maximum duration of up to 93 days based on the purpose of travel. It also has some additional perks such as 23 days of snow cover and coverage for domestic trips if they meet certain criteria.

    Annual Multi Trip cover is basically Single Trip cover with an additional premium and added snow and domestic travel cover. Otherwise the benefits and benefit amounts are exactly the same whether you are on a Single Trip or Multi Trip policy.

    Each person’s travel situation is unique, so you’ll need to read the PDS to understand whether it:

    • Covers what you need it to cover
    • Requires additional premiums for special circumstances (such as snow sports or adventure sports)
    • Has exclusions and/or limitations related to your specific travel arrangements

    Advantages of going with Travel Insuranz

    Number 1

    Affordable pricing

    Travel Insuranz tries to save you money on travel insurance by cutting overhead costs and limiting their risk. To keep prices affordable, Travel Insuranz only operates online and does not provide cover for travellers over 70.

    Number 2

    Offers a range of optional add-ons

    Travel Insuranz also includes many benefits as standard which other travel insurance policies consider an add on. Some of these include cruises, skiing and snowboarding (up to 23 days) and mopeds or scooters.

    Number 2

    Flexible cover

    You can choose varying levels of cover depending on how many valuables you are taking with you on your trip. If you are planning to bring expensive gadgets or large amounts of cash, then you can upgrade to the Premier or Deluxe cover based on how much you need.

    What am I covered for?

    Travel Insuranz’ range of policies are designed to suit all types of travellers, which is why they offer the Classic, Premier and Deluxe options. No matter what level you choose, you will be covered for the following to varying amounts:

    • Cancellation fees, lost deposits and curtailment. You are covered if your trip is cancelled before departure or curtailed before completion because of an emergency.
    • Overseas medical expenses. You are covered for necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip. This includes emergency repatriation/evacuation, a relative’s additional expenses and emergency dental treatment.
    • Personal liability. You are covered up to the amount shown in the Schedule of Cover, plus legal costs incurred with Travel Insuranz’ written consent, if you are held legally liable for causing bodily harm to someone or harm to his/her property.
    • Missed departure or connection. If you arrive late at any departure point mentioned in your itinerary because of failure of public transport or a road accident, you will be covered for necessary additional accommodation and travel expenses that you incur in reaching your destination.
    • Baggage and personal effects. You are covered (after making reasonable allowance for wear, tear and depreciation) for loss, theft or damage to your personal effects and valuables.
    • Personal money and loss of passport. You are covered for theft of your personal money and theft, loss or damage to passport and visas.

    The table below will tell you how much cover you will receive for each of these benefits under each level of cover, and highlights additional benefits when you upgrade to the Premier or Deluxe options. For detailed explanations of the additional benefits offered, please consult the PDS.

    BenefitClassicPremierPremier PlusDeluxe
    Cancellation fees, lost deposits & curtailment
    • $2,500
    • $5,000
    • $20,000
    • $10,000
    Overseas medical expenses
    • Unlimited
    • Unlimited
    • Unlimited
    • Unlimited
    Personal liability
    • $2,500,000
    • $5,000,000
    • $5,000 000
    • $7,500 000
    Missed departure/connection
    • $500
    • $750
    • $750
    • $2,000
    Baggage & personal effects
    • $2,500
    • $3,500
    • $5,000
    • $7,500
    Personal money, travel tickets & passport
    • $500
    • $750
    • $750
    • $1,250
    Legal advice & expenses
    • No cover
    • $10,000
    • $10,000
    • $30,000
    Travel delay
    • No cover
    • $50/$25/$250
    • $50/$25/$250
    • $100/$50/$500
    Abandonment of trip
    • No cover
    • $5,000
    • $5,000
    • $10,000
    Accidental death / Disability benefit
    • No cover
    • $10,000
    • $10,000
    • $20,000
    Hospital cash allowance
    • No cover
    • $1,000
    • $1,000
    • $3,000
    Hijack benefit
    • No cover
    • $5,000
    • $5,000
    • $7,500
    Car rental excess waiver
    • No cover
    • $1,500
    • $4,000
    • 4,000
    Catastrophe cover
    • No cover
    • No cover
    • $1,500
    • $1,500
    Search & rescue expenses
    • No cover
    • No cover
    • $10,000
    • $10,000
    Resumption of trip
    • No cover
    • No cover
    • $3,000
    • $3,000
    Travel carrier insolvency
    • No cover
    • No cover
    • No cover
    • $5,000
    Special events
    • No cover
    • No cover
    • $2,000
    • $2,000
    Withdrawal of services
    • No cover
    • No cover
    • $500
    • $500
    Domestic services
    • No cover
    • No cover
    • $500
    • $500
    Private home nursing
    • No cover
    • No cover
    • $5,000
    • $5,000

    Table updated October 2021

    Questions you still might have about Travel Insuranz

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    4 Responses

      Default Gravatar
      jpFebruary 5, 2018

      why do policies say you can claim a certain amount but when you go to claim its not covered? I tried to claim against travelinsuranz under the deluxe policy and they do not cover onforwarding travel from a stolen passport incident , despite the policy saying: Resumption of trip • No cover • No cover • No cover • $3,000 – how do I get the $3000 – I had to book 2 further flights!!!!

      Reply
        Avatarfinder Customer Care
        JoshuaFebruary 14, 2018Staff

        Hi JP,

        Thanks for getting in touch with finder and I’m sorry to hear about your experience. For sure this is disappointing.

        Nevertheless, you’ve mentioned that you’ve lost your passport. With Travel Insuranz, under Deluxe policy, they cover $1,250 for your lost passport. They also cover $3,000 if you make a claim for the Resumption of Trip. Please note though that there are specific conditions you have to meet before you can make a claim. You can find these conditions outlined in your PDS with Travel Insuranz.

        I would suggest that you contact Travel Insuranz directly to confirm your eligibility.

        I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

        Have a wonderful day!

        Cheers,
        Joshua

        Reply
      Default Gravatar
      ClintonJanuary 25, 2017

      Hi,

      I got a quote for travel insurance for 27 days in South Africa,how do I contact Travel Insuranz Classic to ask them a question,as the phone number just remains on voicemail.

      What does the unlimited medical, cover a person for.

      If you could urgently advise.

      Reply
        Avatarfinder Customer Care
        RichardJanuary 30, 2017Staff

        Hi Clinton,

        Thanks for getting in touch. If you have questions about the policy, you should contact them via email travel@travelinsuranz.com.au.

        All the best,
        Richard

        Reply
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