Who is Travel Protect?

Travel Protect is a Queensland-based travel insurance provider (owned by WAS). Its website says it is partnered with Battleface Insurance Services. Travel Protect's policies are underwritten by Pacific International Insurance Pty Ltd, a long-established Australasian insurer.

Does Travel Protect travel insurance offer coverage for pre-existing conditions?

While some pre-existing conditions are covered automatically, others aren't. Essentially, if a condition isn't specifically called out in the policy, then it'll be excluded. Contact Travel Protect directly if you've any doubt about what you're covered for.

How do I get in touch with Travel Protect about my insurance?

You can contact Travel Protect's customer services team via the contact details given in your policy documents. The insurer also offers a 24/7 Emergency Assistance team, who you can contact during your travels if something goes wrong.

Travel Protect Insurance Review

Pros

Get unlimited medical & hospital expenses, and 24/7 emergency help if something goes wrong on your travels.
Keep your policy costs in check by setting your own limits for a range of benefits.

Cons

Some may prefer the peace of mind of going with a more established name, such as Qantas or ahm.
Travel Protect's COVID Basic policy is OK but doesn't cover a lot. Its Explorer policy is far more comprehensive.

Get a quote with Travel Protect Travel Insurance

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Find a Travel Protect insurance policy

9 of 9 results

Theft or damage to luggage	Rental car excess insurance	Standard excess	Theft of cash
Travel Protect Explorer Including Ski + Rental Vehicle Excess	$10,000	$6,000	$250	$0	Get quote View details Compare product selectionCompare	loading
Travel Protect Covid Basic	No Cover	Optional	$250	$0	Get quote View details Compare product selectionCompare	loading
Travel Protect Explorer Including Ski	$10,000	Optional	$250	$0	Get quote View details Compare product selectionCompare	loading
Travel Protect Explorer Including Cruise + Rental Vehicle Excess	$10,000	$6,000	$250	$0	Get quote View details Compare product selectionCompare	loading
Travel Protect Explorer Including Motorcycle	$10,000	Optional	$250	$0	Get quote View details Compare product selectionCompare	loading
Travel Protect Explorer Including Rental Vehicle Excess	$10,000	$6,000	$250	$0	Get quote View details Compare product selectionCompare	loading
Travel Protect Explorer Including Cruise	$10,000	Optional	$250	$0	Get quote View details Compare product selectionCompare	loading
Travel Protect Explorer - Ultimate	$10,000	Optional	$250	$0	Travel Protect is ideal for travellers who like the peace of mind of having medical expenses covered and the ability to tailor their cover for things like rental car excess and cancellation fees.	Get quote View details Compare product selectionCompare	loading
Travel Protect International Travel Insurance - Domestic	No Cover	$8,000	$100	$0	Get quote View details Compare product selectionCompare	loading

Showing 9 of 9 results

Summary of Travel Protect's Explorer policy

Overseas Medical and Hospital Expenses	Yes
Cancellation and Amendment Fees	$15,000
Luggage and Personal Effects	Cover chosen
Maximum Age Limit	99

^{Table updated July 2024}

What policies does Travel Protect Insurance offer?

Travel Protect offers single-trip and Annual Multi Trip policies, depending on how comprehensive you want your cover to be. Its single-trip options are Domestic, an entry-level COVID Basic policy and a more extensive Explorer International plan:

Domestic

Corona Virus

COVID Basic

Travel plane luggage passport

Explorer

Travel Protect insurance offers a 21-day cooling-off period. The cooling-off period is the amount of time within which you can change your mind after taking out insurance – and securing a full refund.

Here's a breakdown of Travel Protect Insurance

Standard features
Optional add-on
Exclusions

Check icon

Standard features

Below are some of the main policy benefits to help you work out if Travel Protect offers the right cover for your needs:

Overseas medical expenses – unlimited
Funeral expenses abroad – up to $10,000 with COVID Basic or up to $20,000 with Explorer if you pass away while on your travels
Hospital benefit – up to $50 per day (up to a maximum of $500 with COVID Basic or up to $5,000 with Explorer)
Airfare reimbursement – up to $2,500 (Explorer only)

plus icon

Optional add-on

Trip cancellation cover – Select up to $10,000 (with Domestic), $4,000 (with COVID Basic) or $40,000 (with Explorer) in case you're forced to change your plans for a reason that's stated in your policy
Personal liability – cover for up to $2.5m in damages, bodily injury or death which you cause to third parties, including legal expenses (Domestic and Explorer only)
Travel delay – up to $1,000 (Domestic) or $2,000 (Explorer) if your plans go awry due to an unforeseen reason
Lost or stolen luggage – Choose up to $5,000 (Domestic) or $10,000 (Explorer) to cover your lost, stolen or damaged items including belongings such as your laptop, phone, camera and travel documents
Rental vehicle excess – pays up to the limit you select if your hire car gets damaged or stolen (Domestic and Explorer; check the PDS for the maximum)
Personal accident – up to $50,000 (Explorer only)
Pet boarding – up to $200 per day, capped at $1,400 if your trip back to Oz is delayed (Explorer only)
Cruise Pack. Get covered for emergency medical expenses and more before you set sail. (Explorer only)
Snow Pack. Cover in the event you injure yourself, or damage your equipment, or a ski run is closed, while skiing or snowboarding. (Explorer only)
Motorcycle / Moped. Protect yourself and your bike from the unexpected. (Explorer only)

Exclusions

A range of events won't be covered by your Travel Protect Travel Insurance. Some general policy exclusions include:

Any pre-existing condition that's excluded from your policy
Pregnancy after the 24th week; or the 19th with twins, triplets, etc.
Antenatal care
Activities which need to be covered through a policy add-on with Travel Protect
Indirect losses, such as loss of enjoyment or business opportunity
A criminal or dishonest act by you or a person with whom you're in collusion
Loss from, or related to, impairment due to alcohol
Acts of war
Going to a country with a "Do not travel" warning from the government

Be sure to read Travel Protect's PDS for more information on policy exclusions and restrictions.

Here's the bottom line about Travel Protect

Travel Protect offers straightforward travel insurance policies for domestic and international trips. By choosing its Explorer policy, you'll have plenty of options to boost your cover (for an added fee). This includes cruise, ski and motorcycle insurance packs. Keep in mind you must set your own trip cancellation, personal liability and luggage cover limits – among others. Remember to fix these at amounts which will bring you plenty of peace of mind ahead of your travels.

Even if you've not yet heard of Travel Protect, it's good to know they've partnered with the tech platform battleface, which is active in more than 185 countries globally.

If you're still unsure about Travel Protect Insurance, review more travel insurance providers in Australia.

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Written by

James Martin

Journalist

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James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

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James has written 167 Finder guides across topics including:

Car, home, life, health, travel and pet insurance
Managing the cost of living
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Travel Protect Insurance review

Our verdict: Aussie insurer Travel Protect covers the basics and offers a good range of policy options including for business travel and longer trips. Trip cancellations, personal liability and luggage aren’t covered automatically.

Pros

Cons