Finder makes money from featured partners, but editorial opinions are our own.
Travel with Jane travel insurance
Our verdict: Travel with Jane offers unlimited cover for overseas medical expenses across all its policies plus some optional add-ons, so you only pay for what you need.
{"menuItems":[{"label":"Summary of Travel with Jane's Comprehensive policy","anchorName":"#summary-of-travel-with-jane-s-comprehensive-policy"},{"label":"Travel with Jane travel insurance: COVID-19","anchorName":"#travel-with-jane-travel-insurance-covid-19"},{"label":"What policies does Travel with Jane offer?","anchorName":"#what-policies-does-travel-with-jane-offer"},{"label":"Here's a breakdown of Travel with Jane travel insurance features","anchorName":"#here-s-a-breakdown-of-travel-with-jane-travel-insurance-features"},{"label":"Standard features","anchorName":"#standard-features"},{"label":"Optional add-on","anchorName":"#optional-add-on"},{"label":"Exclusions","anchorName":"#exclusions"},{"label":"How to make a Travel with Jane claim","anchorName":"#how-to-make-a-travel-with-jane-claim"},{"label":"Here's the bottom line about Travel with Jane Travel Insurance","anchorName":"#here-s-the-bottom-line-about-travel-with-jane-travel-insurance"},{"label":"Frequently asked questions","anchorName":"#frequently-asked-questions"},{"label":"Compare your travel insurance quotes","anchorName":"#compare-your-travel-insurance-quotes"}]}
Pros
Flexible add-ons allow you to customise your travel insurance policy to suit your needs, whether it be extra cover for expensive gadgets, vehicle rental excess or snow sports.
Our research team found 26 travel insurance providers that offer some kind of cover for COVID-19, Travel with Jane is one of them.
Cons
Its $3,000,000 legal liability cover isn't as competitive as other providers we've reviewed. Plus, if you're 70 years or older, you'll have to look elsewhere as Travel with Jane's policies are aimed at younger travellers.
Travel with Jane is not currently available via Finder. You can head to the Travel with Jane website or compare alternative options available below.
Summary of Travel with Jane's Comprehensive policy
Overseas medical and hospital expenses
Unlimited
Cancellation and amendment fees
$15,000
Luggage and personal effects
$6,000
Maximum age limit
69
Table updated August 2022
Travel with Jane travel insurance: COVID-19
Travel with Jane travel insurance is 1 of 26 insurers we found that offer some cover for COVID-19. Cover is only applicable in most cases if you've received the recommended number of doses (including boosters) of an approved vaccine 14 days prior to your trip commencing (unless ineligible).
Full cover is provided as per the terms and conditions of your chosen policy, provided you are travelling to a destination for which DFAT is not advising against all travel or advising against all but essential travel. This includes overseas medical expenses, cancellation costs and emergency accommodation.
Travel with Jane has an extensive list of COVID-19 conditions and exclusions that you should review prior to taking out a travel insurance policy to make sure you'll be covered at the time of a claim.
For more options of COVID-related cover, we've compared other providers that offer pandemic-related expenses for you to compare.
What policies does Travel with Jane offer?
Travel with Jane has 4 travel policy options to choose from: Saver, Basic, Comprehensive and Domestic. Here are some of the key insured events a policy can cover you for:
Saver
Basic
Comprehensive
Domestic
Travel with Jane is an Australian owned and operated travel insurance company. It's issued by Agile Underwriting Services Pty Limited and underwritten by certain underwriters at Lloyd's.
Travel with Jane's insurance policies are available with a cooling-off period of 14 days. This means you will receive a full refund if you cancel your policy within this period, as long as your trip hasn't started yet and you haven't made a claim.
Here's a breakdown of Travel with Jane travel insurance features
Travel with Jane travel insurance policies have a variety of benefits that can cover you for a stack of travel-related mishaps. Here are some of the main benefits to help you decide if Travel with Jane is the right provider for you:
Airfares for resumption of travel
Cancellation costs
Cutting your trip short
Emergency accommodation expenses
Emergency repatriation expenses
Cutting your trip short
Legal costs
Legal liability
Overseas dental expenses
Overseas medical and hospital expenses
Personal belongings and baggage
Travel delay expenses
Optional add-on
With Travel with Jane, you can tailor your policy with extra cover for activities and special gear. You can add on 1 or more of the following packs, so you only pay for the benefits that matter to you:
Adventure pack. Walking on the wilder side? Get cover for sports injuries.
Gadget pack. There is no cover for electronic devices under the standard policy, so you'll need this pack if you want to insure devices like a phone, laptop or camera.
Rental vehicle insurance excess. This can reduce your out-of-pocket expenses if you get into an accident with your rental car on your trip.
Snow pack. Add this to your policy if you're going on a winter sports trip to get cover for your own equipment and prepaid costs like lift passes and accommodation.
Exclusions
As with most insurers, there are some things that you cannot get cover for, usually referred to as general exclusions. Here are some of Travel with Jane's exclusions:
If your claim is related to an add-on pack and you did not purchase the add-on. For example, if you are injured while skiing and you didn't purchase a snow pack, you will most likely not be covered for out-of-pocket expenses.
If you choose to ignore government travel warnings.
Out-of-pocket travel expenses caused by your own booking errors and arrangements, for example, if you were refused entry into a country because you didn't have the right visas.
Any claim related to behavioural diagnoses such as autism, eating disorders or a drug or alcohol addiction.
Any claim arising from your use of a quad bike.
If you ride a motorcycle without wearing a helmet or without a valid licence as required in both the country of travel and Australia or as a passenger without a helmet.
A more detailed list of what is and isn't covered can be found in Travel with Jane's product disclosure statement (PDS).
How to make a Travel with Jane claim
If you have an emergency while overseas, Travel with Jane has a 24-hour emergency response team which you can contact on +61 2 9159 6649.
All other claims can be made online by following these steps:
Head to https://www.travelwithjane.com/claim-online/
Select your reason for claiming
Answer all sections, including personal information and details of the incident
Attach any supporting documents
Submit, and your claim should be paid within 5–10 business days
Here's the bottom line about Travel with Jane Travel Insurance
Travel with Jane offers budget-friendly travel insurance policies whether you're heading off on a staycation or exploring overseas. Whether you opt for the more affordable Saver policy or the top-tier Comprehensive cover, you'll be insured for unlimited overseas medical and hospital expenses. The company also donates 10% of all sales to the "Scrap the Gap" campaign, so you can do your bit to support gender equality at the same time.
However, if you're over the age of 70, you'll need to look elsewhere. All travellers should review Travel with Jane's benefit limits to ensure you're covered for everything you'll need on your holiday. Its legal liability of up to$3,000,000 falls behind many other providers.
Travel with Jane can be contacted by email at hello@travelwithjane.com for general enquiries.
Travel with Jane insures both men and women. It aims to create a safe community of female travellers and provides content to help women travel, but all travellers that meet its eligibility criteria (e.g. aged between 18 and 69) can be insured.
Travel with Jane is underwritten by certain underwriters at Lloyd's.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.
SPONSORED: Upgrade your internet before the end of 2023 and get ahead on your life admin! We take a look at some of the benefits of a faster internet connection.
Most people do not keep receipts of all equipment purchased such as camera and smartphone that may be two years old or more. In the event of a claim, does it mean no receipt no claim?
Travel insurance claims typically need to be supported with evidence like police reports or itemised receipts. Without these, claims can be denied as it will be difficult to prove the veracity of ownership. It would be best to always refer to your travel insurance’s policies terms and conditions to know the supporting documents required when filing for claims.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan and read any disclosure documents (such as any Target Market Determination (TMD) and/or Product Disclosure Statement (PDS)) issued by the provider before making a decision.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
Purchase Receipts:
Most people do not keep receipts of all equipment purchased such as camera and smartphone that may be two years old or more. In the event of a claim, does it mean no receipt no claim?
Hi Jesse,
Thanks for your question.
Travel insurance claims typically need to be supported with evidence like police reports or itemised receipts. Without these, claims can be denied as it will be difficult to prove the veracity of ownership. It would be best to always refer to your travel insurance’s policies terms and conditions to know the supporting documents required when filing for claims.
I hope this helps.
Cheers,
Liezl