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Travel Protect Travel 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.
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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.
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Summary of Travel Protect's Explorer policy
Overseas Medical and Hospital Expenses
Unlimited
Cancellation and Amendment Fees
Cover chosen
Luggage and Personal Effects
Cover chosen
Maximum Age Limit
99
Table updated November 2023
What policies does Travel Protect offer?
There are 2 policies to choose from, depending on how comprehensive you want your policy to be. Travel Protect offers an entry-level COVID Basic policy, alongside a more extensive Explorer plan:
COVID Basic
Explorer
Travel Protect 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 Travel Insurance
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 $20,000 if you pass away while on your travels (Explorer only)
Hospital benefit – up to $50 per day, capped at $1,000 (Explorer only)
Airfare reimbursement – up to $2,500 (Explorer only)
Optional add-on
Trip cancellation cover – Select up to $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 $25m in damages, bodily injury or death which you cause to third parties, including legal expenses (Explorer only)
Travel delay – up to $2,000 if your plans go awry due to an unforeseen reason (Explorer only)
Lost or stolen luggage – Choose up to $10,000 to cover your lost, stolen or damaged items including belongings such as your laptop, phone, camera and travel documents (Explorer only)
Rental vehicle excess – pays up to $5,000 if your hire car gets damaged or stolen (Explorer only)
Personal accident – up to $25,000 (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 2 straightforward travel insurance policies. 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.
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.
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.
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.
James Martin is 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, WIN News, Insurance News, 7NEWS and The Guardian. 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).
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