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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.

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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.
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Summary of Travel with Jane's Comprehensive policy

Overseas medical and hospital expensesUnlimited
Cancellation and amendment fees$15,000
Luggage and personal effects$6,000
Maximum age limit69

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:

Passport

Saver

Luggage

Basic

Travel plane luggage passport

Comprehensive

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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

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Standard 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

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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.

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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.
  • If you experienced any pregnancy complications prior to purchasing your policy.
  • If you involve yourself with criminal acts, dishonesty or collusion.
  • If your claim relates to any search and rescue expenses.
  • 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.

If you're still not quite sure about Travel with Jane, you can compare other travel insurance companies here.

Frequently asked questions

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2 Responses

    Default Gravatar
    JesseMay 21, 2017

    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?

      Default Gravatar
      LiezlMay 21, 2017

      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

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