Want cover that suits your age and spirit? Under 30s travel insurance could have the policy for you.
With cover that is specifically tailored to young people, Under 30's Travel Insurance is a great option to protect you on your next adventure.
As you might have guessed, Under 30's Travel Insurance specialises is travel insurance for people under the age of the 30. They have a range of policies to suit everyone - from backpackers, to students heading on their first international trip.
Tailored for young travellers. Many insurance providers will amp up your premiums if you're under the age of 30. Under 30s Travel Insurance can help you save money on your insurance due to the lower statistical risk of covering people under 30. Oh, to be young.
24/7 emergency assistance. You can chill out knowing that you've got 24/7 emergency assistance, no matter where you are in the world.
Cover for your electronics. Protect your phone, laptop, or camera by taking out the electronics package add-on.
Removable excess. You can remove your standard excess by paying a little extra on your premium.
What sort of cover is available?
You can take out cover as a single traveller or as a group.
You can also tailor your cover to your individual needs. You can choose to remove your excess or take out extra cover for your electronics.
Under 30's offer overseas and domestic travel insurance policies. Here's the breakdown on each:
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 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.
Domestic Travel Insurance
This is for people who travel within Australia, and this cover provides a range of benefits which include:
Cover 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.
Overseas emergency medical assistance
Overseas medical & hospital expenses
Includes dental expenses (per person)
Additional accommodation & travel expenses
Includes family emergency
Includes emergency companion cover
Resumption of journey
Credit card fraud & replacement
Travel documents & traveller's cheques
Theft of money
Luggage & personal effects
Luggage & personal effects delay expenses
Cancellation fees & lost deposits
Disruption of journey
Alternative transport expenses
Rental vehicle excess
What kind of benefits do Under 30's offer?
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:
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.
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.
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.
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.
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.
What exclusions are there?
An insurance policy can't cover you for everything. The following are some general exclusions that apply to Under 30's travel insurance policies. For a full list, refer to their PDS.
Your claim won't be paid if:
You don't have an Australian motorcycle or drivers licence and crash a moped or scooter
You travel to countries that have a travel warning released by the Australian Government Department of Foreign Affairs and Trade
Your claim arises from an excluded pre-existing condition
Your claim arises because you ski backcountry, hunt, race, engage in open water sailing, play polo, go mountaineering or rock climbing using ropes or climbing equipment, or from parachuting or hang gliding.
How do I make a 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:
Submit your claim by email or hone within 30 days of your return home.
You may need to provide Under 30's with additional information such as police reports, valuations, medical reports, receipts, or other proof of ownership.
Your claim will be assessed within ten business days of receiving it, provided they have all the necessary information.
If your claim is accepted, you'll be paid the amount due in Australian dollars.
Will Eve is the lead publisher of the global team at Finder. He was previously the group publisher for insurance for Finder Australia. Will has a Bachelor of Communications from the University of Technology Sydney. He loves the challenge of launching Finder into new markets while helping grow Finder’s global team.
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