Under 30s Travel Insurance

Under 30s Travel Insurance Review

Travel insurance just like home insurance is something that you cannot afford to be without. Lost luggage, the theft of belongings or flight cancellations are just a few of the risks that can be minimised with the aid of a travel insurance plan. There are a number of travel insurance brands offering many insurance packages and you should select the one that matches your requirements.

Under 30's Travel Insurance Pty Ltd is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Under 30s Travel Insurance is underwritten by certain underwriters at Lloyd's of London.
Under 30s Travel Insurance provides comprehensive insurance cover for people under 30 years old. They offer a range of truly affordable cover options for travellers on a budget. This New South Wales-based travel insurance provider believes that those under 30 are less likely to have an accident or become ill while travelling, which is why they provide specialised policies for those aged under 30.

finder.com.au does not currently have access to this travel insurance brand. You may wish to compare options available on the travel insurance homepage.

Who is Under 30s Travel Insurance?

Under 30s Travel Insurance is one of the trading names for 1cover Pty. Ltd. (ABN 911 059 542 65). The company provides excellent policies online, which are competitively priced. Its parent company, 1Cover, is a direct travel insurance company in Australia. The company is a representative of AGA Assistance Australia Pty Ltd, a company of the Allianz Global Assistance Group, which provides emergency assistance 24 hours a day to its customers and is part of the largest assistance group in the world specialising in the medical evacuation for Australians travelling abroad.

Under 30s is underwritten by Allianz, which is the largest underwriter of travel insurance in Australia and the world's third largest insurance company. Because Under 30s is backed by the largest travel insurance underwriter in Australia, you will be hard pressed finding a company that is more reliable in the realm of travel insurance. Under 30s customises its travel insurance policies in order to provide their customers with the services they actually need. They have a range of travel covers including international or domestic, single or group, and you can choose the policy which suits you.

Most savvy holidaymakers are aware that travel agents build their cost into their sales and in the case of travel insurance you can be looking at paying an additional 50%. Under 30s offers a service, which bypasses intermediaries and directs you straight to them. By purchasing your policy online and receiving an instant confirmation email, you save Under 30s on overheads, which is why they are able pass this savings on to in the form of reduced prices.

Travel Insurance Saver Travel Insurance Policies

The company provides covers for a single member or a group:

Single - covers one traveller aged 16 to 29 years. Single policies do not provide cover for travellers under 16 years of age.
Group - covers you and your travelling companion or companions.

They issue one certificate of insurance. However, you are covered as if you are each insured under separate policies with single benefit limits per insured person.

Under 30s also provides you with overseas and domestic insurance covers. Here are the details:

1. Overseas Travel Insurance

This insurance is for people who fly overseas, and some of the benefits of this cover for both single and group members are:

  • Unlimited emergency medical assistance
  • $2,500 luggage and personal effects cover
  • Dental expenses cover of $500
  • Cover of up to $50,000 for a family emergency
  • Cover of up to $3,000 for resumption of journey
  • Cover of up to $25,000 for accidental death and the same amount for permanent disability
  • Personal liability cover of up to $5,000,000
  • Cover of up to $250 in case of theft of cash, bank notes, currency notes, postal orders and money orders.

2. Domestic Travel Insurance

This is for people who travel within Australia, and this cover provides a range of benefits which include:

  • Cover of up to $50,000 for a family emergency
  • Cover of up to $25,000 for accidental death
  • Cover of up to $1,000 in case of disruption of journey
  • Rental vehicle excess cover of up to $5,000
  • Personal liability cover of up to $5,000,000
  • Cover for cancellation fees and lost deposits of up to $5,000.

Over 30s Travel Insurance Benefits

Getting travel insurance from Under 30s is highly beneficial for you as the company provides different types of covers for different situations. Here are some of the benefits the company provides:

1. Overseas Emergency Medical Assistance

  • Access to a medical adviser for emergency medical treatment while overseas.
  • In the case of an emergency, correspondence can passed on along to your employer or family.
  • Provision of any written guarantees for payment of reasonable expenses for emergency hospitalisation while overseas.
  • Your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas or be brought back to Australia with appropriate medical supervision.

2. Overseas Emergency Medical and Hospital Expenses

  • If you injure yourself or become sick overseas, Under 30s will reimburse the reasonable medical or hospital expenses you incur until you get back to Australia. The medical or hospital expenses must have been at the written behest or advice of a medical adviser. You must make every effort to keep your medical or hospital expenses to a minimum.

3. Additional Accommodation and Travel Expenses

  • The company will reimburse any reasonable additional travel expenses and accommodation that you incur because you are unable to travel due to an injury or sickness, which requires immediate treatment from a medical adviser. That medical practitioner will need to be able to provide proof that you are unable to travel.
  • If you cut your journey short and return to Australia on the written advice of a medical adviser approved by Lloyd's, the company will reimburse the reasonable cost of your return to Australia. They will only pay the cost of the fare class that you had planned to travel at and you must take advantage of any prearranged return travel to Australia.

4. Family Emergency

  • If during your journey your travelling companion or a relative of either of you dies unexpectedly, is disabled by an injury or becomes seriously sick and requires hospitalisation, Under 30s will reimburse the reasonable additional cost of your return to Australia. They will only pay the cost of the fare class you had planned to travel at.

5. Emergency Companion Cover

  • The company will reimburse reasonable additional accommodation and travel expenses for you to be with your travelling companion if he or she cannot continue their journey because of an injury or sickness that needs immediate treatment from a medical adviser who certifies that they are unfit to travel. Under 30s provides you with a variety of other benefits for which you are requested to refer to the Product Disclosure Statement.

Making a Under 30s Travel Insurance Claim

The company provides an easy claims process and you can call them at any time if you need assistance. This is how to go about the claims process:

  • You must give Allianz Global Assistance notice of your claim as soon as possible by completing a claim form. The form is available online or supplied by the company.
  • You have to post the form to the address shown on the claim form.
  • If you do not fill out the claim form to completion, Allianz Global Assistance will be unable to process your claim and may reduce your claim in accordance with the amount of inconvenience they have incurred due to the delay.
  • For dental hospital or medical claims, contact Allianz Global Assistance as soon as possible.
  • Report the theft or loss of personal effects or luggage straight away to the appropriate authorities. Once you have contacted the police, make sure you obtain English copies of the report so that you will be able to provide proof of the event to the company.
  • Report damage or misplacement of your luggage and personal effects caused by the airline or any other operator or accommodation provider to an appropriate official and obtain a written report, including any offer of settlement that they may make.
  • Submit full details of any claim in writing within 30 days of your return.
  • You must give Allianz Global Assistance any information they reasonably ask for to support your claim at your expense, including but not limited to, valuations, proof of ownership, original receipts, medical reports or police reports.
  • Allianz Global Assistance may ask to get English copies of any documentation that may be pertinent to the payment of the claim.
    Your cooperation with Allianz Global Assistance is expected at all times in regards to the providing of supporting evidence and other information as it is require.

The company will pay all claims in Australian dollars. They will pay you unless you tell them to pay someone else. The rate of currency exchange that will apply is the rate at the time you incurred the expense. In relation to any claim under this policy you must not admit that you are at fault, and you must not offer or promise to pay any money, or become involved in litigation, without Allianz Global Assistance’s approval.

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