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Travel with Kit

Our verdict: 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.

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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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Summary of Travel with Kit'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 Kit Travel Insurance: Covid-19

Travel with Kit Travel Insurance is one of a growing list of insurers that offer some cover for Covid-19. Cover is limited, however, and only applicable in most cases if you have received the recommended number of doses of an approved vaccine 14 days prior to your trip commencing (unless ineligible). Here is what you can expect to be covered for:

  • Overseas medical expenses in the event that you fall ill with Coronavirus overseas and the cost of treatment is not covered by any local authority
  • Emergency accommodation expenses if you are unable to return to Australia as a result of testing positive for Coronavirus as originally planned
  • Cancellation costs for travel and accommodation expenses if you test positive for Covid-19 within 14 days of your trip departure date which medically prohibits your ability to take your trip

Travel with Kit has an extensive list of Covid-19 conditions and exclusions that you will need to review prior to taking out a travel insurance policy.

For more options of Covid-19 cover, we've compared all the providers that offer pandemic-related expenses for you to compare.

What policies do Travel with Kit offer?

Travel with Kit has four levels of travel insurance available: Saver, Basic, Comprehensive and Domestic. Here are some of the main insured events you can expect:

Passport

Saver

Luggage

Basic

Travel plane luggage passport

Comprehensive

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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

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Standard 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

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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.

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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
  • If your claim relates to any search and rescue expenses
  • If you're travelling with the purpose of receiving medical treatment abroad
  • If you experienced any pregnancy complications prior to purchasing your policy
  • Any claim involving you taking part in manual labour
  • Any claim involving cruise travel
  • Any claim arising from your use of a quad bike
  • 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

Here's the bottom line about Travel with Kit Travel Insurance

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.

Travellers over the age of 70 will need to look elsewhere, however, and if you have certain medical conditions or experienced pregnancy complications before purchasing your policy, you might be out of luck.

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

Frequently asked questions

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