Travel with Kit travel insurance offers cover for most of what you’ll need before and after travel with a reduced $100 excess to make claims a little easier.
Travel with Kit offers a fairly standard policy with cover for the most common travel mishaps. You'll find an option for every budget, cover for some pre-existing medical conditions and extras to suit most types of travellers.
Pros
Travel with Kit is one of the 26 travel insurance brands we found who offered some specific cover for COVID-19-related expenses.
The standard excess payment of $100 is better than most quotes you can find on our site.
Cons
Older travellers will have to look elsewhere as Travel with Kit only offers cover if you're 69 years or younger.
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What policies do Travel with Kit offer?
Travel with Kit has four levels of travel insurance available: Saver, Basic, Comprehensive and Domestic. The insurance is issued by Agile Underwriting Services Pty Limited (AGILE) and is underwritten by certain underwriters at Lloyd's.
Travel with Kit's insurance policies are available with a 14-day money-back guarantee. If you cancel your policy within this period, you will receive a full refund, provided your trip hasn't yet started and you haven't made a claim.
Here's a breakdown of Travel with Kit travel insurance features
Travel with Kit Travel Insurance policies have a stack of benefits that covers you for the majority of travel mishaps you might run into. Here are some of the key benefits to help you decide if Travel with Kit is the right insurer for you:
Airfares for resumption of travel
Cancellation costs
Cash in hospital
Emergency accommodation expenses
Emergency repatriation expenses
Personal belongings and baggage
Personal money
Travel delay expenses
Overseas dental expenses
Overseas medical and hospital expenses
Optional add-on
Along with their long list of benefits, Travel with Kit also offers a range of optional packs to give you flexibility and cover for the things that are most important to you.
Adventure pack. For all the explorers and adrenaline junkies out there, this pack includes things like abseiling, diving and trekking.
Device pack. It's tough to survive without a phone. The device pack covers your digital devices for theft, loss and damage above the standard limits.
Rental pack. Driving abroad in a foreign country can be a little scary and intimidating. This add-on has got your back, covering your insurance excess for any dings, dents or theft to your hire vehicle.
Snow pack. Snowboarding and skiing are great fun, but before you take to the slopes, get yourself and your gear covered.
Exclusions
Like all insurers, Travel with Kit may refuse claims in the certain circumstances referred to as general exclusions. Here are some exclusions to be aware of:
If you ride a motorcycle without wearing a helmet, or without having a valid licence as required in both Australia and in the country of travel, or as a passenger without a helmet
Any claims arising due to volcanic ash carried by the wind
Any claim related to behavioural diagnoses such as autism, eating disorders or a drug or alcohol addiction
Make sure you review Travel with Kit's Product Disclosure Statement for a full list of what is and isn't covered.
How to make a Travel with Kit claim
If you have an emergency while overseas, Travel with Kit has a 24-hour emergency response team which you can contact on +61 2 8880 9428.
All other claims can be made online by following these steps:
Head to https://www.travelwithkit.com/claim-online/
Select your claim type
Answer all sections, including details of the incident
Attach any supporting documents
Submit, and your claim should be paid within 5 business days
Frequently asked questions
Yes, Travel with Kit has a domestic policy that can cover you for cancellations, travel agent fees, travel delays and lost luggage and belongings.
Yes. Travel with Kit's policies cover any financially-dependent children or grandchildren 17 years of age and under as long as they are named on your certificate of insurance.
Travel with Kit offers a $100 s standard exces on all policies. This cannot be increased or reduced.
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. See full bio
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