Travel with Kit

Travel with Kit is an Australian-owned brand that caters to a whole bunch of travellers by allowing you to buy the cover you need. You can customise your policy by selecting a plan and adding any additional cover you might need, such as water sports activities or expensive items such as cameras or surfboards.

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As of 18 March 2020, Smartraveller has raised its travel advice to "Do not travel" overseas and is urging Australians abroad to come home as soon as possible. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information.
We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable.

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Summary of Travel with Kit's International Comprehensive policy

^{Table updated February 2020}

What policies does Travel with Kit offer?

Travel with Kit offers 4 plans to suit travellers on a range of budgets:

International comprehensive

Ideal for those wanting extensive cover, this policy includes unlimited overseas medical and repatriation, a high cancellation limit, non-medical emergency, dental, lost luggage, loss of income and legal liability.

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International basic

For those wanting just the essentials, this policy includes medical, lost passports and cancellations.

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International Saver

If you're on a budget and just want the very bare minimum, this policy includes medical as well as some dental and legal liability cover.

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Domestic

For Aussies travelling in Australia, you can get cover for cancellations, travel delays, lost luggage, accidents and more.

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Travel with Kit review and comparison of benefits

^{Table updated: September 2019}

What add ons are available?

Along with their long list of benefits, Travel with Kit also offers a range of add on 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 hang gliding.
• Bicycle pack. Cover includes loss, theft and damage to your bike while you're on holiday.
• Business pack. If you're travelling for business, the last thing you want is for any of your gear or equipment to be damaged. The business pack covers you for this as well as services like equipment hire and staff replacement costs.
• Cruise pack. Regular travel doesn't totally cover you for things that could happen out at sea. This one includes things like onboard medical treatment and evacuation as well as cruise delays and more.
• Device pack. Nobody can survive without a phone. The device pack covers your digital devices for theft, loss and damage above the standard limits.
• Golf pack. Plan to take your precious golf clubs on holiday? Make sure they are insured so that as soon as you let them out of your sight at the airport, you know the golf pack has them covered.
• Pregnancy pack. This add-on allows pregnant women to pick their cover from 26 weeks to 33 weeks for single pregnancies, and from 19 to 23 weeks for twins.
• Rental car pack. Driving abroad in a foreign country can be a little scary and intimidating. This add-on has got your back, covering you for things like dents, scratches and theft.
• Snow pack. Snowboarding and skiing is great fun but before you take to the slopes, get yourself and your gear covered.
• Water sports pack. From your surfboard, to your diving gear, us Aussies love to hit the water. This add-on covers your equipment as well as things like delays and damage.

What isn't covered by Travel with Kit plans?

Travel with Kit may refuse claims in the following circumstances;

• Loss, theft or damages occurred within your control, e.g. leaving your laptop in the hotel room unattended and not secured in the safe
• Damage to sports and leisure equipment while in use
• When losses are not reported to the proper authorities within 24hrs of the incident occurring and no written report is obtained

Here are some other exclusions, but check out the PDS for the full list.

• Claims related to illegal or dishonest acts
• Your claim is for a loss that is recoverable, e.g. if your plane ticket is refundable through the travel service provider
• You travel against government or mass media warnings
• If you participate in solo parachuting, sky-diving or hang gliding without Adventure cover
• If you travel in an unlicensed aircraft
• Unsupervised luggage and personal effects
• Travel provider insolvency
• Claim due to suicide or attempted suicide
• Travelling against medical advice
• Driving without a current Australian driver's licence
• Riding a motorcycle without a helmet or current Australian licence

If I have a pre-existing medical condition, will I be covered?

Yes - like most travel insurance providers, Travel with Kit has a list of automatically included pre-existing medical conditions that cover things like allergies, asthma, osteoporosis and coeliac disease. If your medical condition is not listed in the PDS, you may have to declare your condition and pay an additional premium when purchasing your policy.

How do I make a claim?

• Emergency claims

• The emergency response team is available 24/7 on +61 2 8880 9428 (you can reverse the charge)

• Regular claims
• The easiest way to put in a regular claim is online.

• To discuss existing policies

• Call +61 2 8880 9428
• Email hello@travelwithkit.com
• Live Chat

Any more questions?

• Who is eligible to take out cover with Travel with Kit?

  Australian residents up to the age of 99 can get most Travel with Kit policies, except the Snow and Cruise add-ons which have lower age limits.

• Are kids covered for free?

  Yes - as long as you have listed them as a dependent on the policy and they are under 18 years old.

• What excess for they offer?

  Travel with Kit offers a $100 excess on all policies. This cannot be increased or reduced.

• Who underwrites the Travel with Kit policies?

  Travel with Kit is underwritten by certain underwriters at Lloyds

• Does Travel with Kit cover medical expenses in Australia?

  No, these expenses are covered by Medicare and/or your private health fund.

• Is there a cooling-off period?

  Yes, Travel with Kit's insurance policies are available with a 14-day money-back guarantee. If you cancel your policy within 14 days of taking out cover, you will receive a full refund provided your trip hasn't yet started.

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