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Virgin Money Travel Insurance Deal

Virgin Travel Insurance Review

Round-the-clock emergency assistance and unlimited cover for trip cancellations are just 2 reasons to choose Virgin Travel Insurance.

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Our Verdict

  • Virgin Travel Insurance is one of the few providers we found that regularly offers discounts on its products, including for existing customers. Keep an eye out for the latest deals on their website.
  • This provider offers a flexibility with its travel plans, with 6 cover types including 2 for domestic travel.
  • We compared 10 leading travel insurance brands and found that Virgin Travel Insurance offered comparatively limited seniors cover, with a maximum age of 74 on some of its policies (correct as of June 2021).

Review by our senior insurance writer James Martin

Virgin Money Australia has expanded its insurance portfolio and now offers comprehensive travel insurance plans for both domestic and international trips to suit a range of needs and budgets.

You can compare the features of various Virgin Travel Insurance policies by using the table below and get a free quote.

Virgin travel insurance is not currently available via Finder. You can head to the Virgin website or compare alternative options available below.

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Summary of Virgin Money's Comprehensive Cover policy

Overseas Medical and Hospital ExpensesUnlimited*
Cancellation and Amendment FeesAs selected
Luggage and Personal Effects$10,000
Maximum Age LimitAll ages

Table updated August 2021
*Note: 'Unlimited' means that there's no capped dollar sum insured, however, other conditions and exclusions may still apply.


What cover options are available from Virgin and what exactly do they provide?

Whether you are a one-off or regular traveller, globetrotting around the world or keeping it local, you may be able to find suitable travel insurance cover with Virgin that you can more closely tailor with a range of extras.

1. International Travel Cover2. Virgin Domestic Travel Insurance3. Virgin Multi-Trip Travel Insurance

1. International Travel Cover

If you are looking to secure a travel insurance plan for a single overseas trip, Virgin offers different levels of cover available to single travellers and family. For international travel, there are three cover levels that you can choose from:

  • Comprehensive
  • Essentials
  • Basic

How does each level of cover compare with another?

BenefitComprehensive CoverEssentials CoverBasic Cover
Overseas emergency medical assistance
Overseas emergency medical and hospital expenses
Accidental death
Permanent disability
Cancellation fees and lost deposits
As selected
Additional travel and accommodation expenses
Travel delay expenses
Alternative transport expenses
Travel documents, credit cards and cheques
Theft of cash
Loss of luggage and personal effects
Luggage and personal effect delay expenses
Personal liability
Rental vehicle excess
As selected

Table updated August 2021


2. Virgin Domestic Travel Insurance

Virgin Travel Insurance also provides comprehensive protection cover for applicants looking to take a trip locally in Australia. Going for a snowy adventure or hitting the golf clubs to practice your tee shot? You can take up additional sports cover to help protect yourself against loss or damage of sports equipment. Domestic cover from Virgin is available as a single or family plan.

What is covered under domestic travel insurance policies?

BenefitDomestic Cover
Cancellation fees and lost deposits
As Selected
Additional travel and accommodation expenses
Loss of luggage and personal effects
Rental vehicle excess
As selected
Accidental death and personal liability

Table updated August 2021


3. Virgin Multi-Trip Travel Insurance

If you regularly travel overseas or locally, either for work or holiday purposes, you can take advantage of Virgin Multi-Trip insurance that provides cover for unlimited journeys within a 12-month period. Virgin Multi-Trip Travel Insurance cover is available as a single plan. However, if you take your spouse/de facto partner and/or children with you on these trips, they will be covered automatically.

What is covered under multi-trip travel insurance policies?

Benefits of Virgin Multi-Trip Travel Insurance for domestic and international cover include:

  • Overseas emergency medical assistance
  • Overseas emergency medical and hospital expenses
  • Accidental death
  • Permanent disability
  • Cancellation fees and lost deposits
  • Additional travel and accommodation expenses
  • Travel delay expenses
  • Alternative transport expenses
  • Travel documents, credit card and cheques
  • Theft of cash
  • Loss of luggage and personal effects
  • Luggage and personal effect delay expenses
  • Personal liability
  • Rental vehicle excess

Going away for a Ski Trip? Learn more about Ski Travel Cover


Looking for some extra cover for your trip? Additional options you may want to consider

With Virgin Travel Insurance, you have the flexibility to tailor your policy of choice with additional cover options. These options will incur additional premiums:

OptionComprehensiveEssentialsBasicDomesticMulti-Trip
Own snow sport equipment
Snow sport equipment hire
Snow sport pack
Piste closure
Bad weather and avalanche closure
Cruise cover
Increased item limits
Standard excess

Table updated August 2021


What are the benefits and what are the drawbacks of Virgin Travel Insurance?

Benefits

  • 24/7/365 Emergency Assistance. Virgin Travel Insurance is underwritten by Allianz who provide emergency assistance with Allianz Global Assistance.
  • Claims process is quick. With Virgin Money you can access guidance for the travel insurance claims process – you call it up and the claims team can guide you through the claims process.
  • Cooling off period. Virgin Travel insurance has a 14-day cooling-off period in case you change your mind or travel plans.

Drawbacks

  • No increased cover for expensive items. You cannot purchase increased cover for jewellery or Snow Sport Equipment.
  • No one-way policies. Virgin Travel Insurance only covers trips that start and end in Australia.
  • No already overseas option. You cannot take out cover after you have begun your trip.
  • Limited seniors cover. Some Virgin Money travel insurance policies have a maximum age of 74 for policyholders.

Check if there are any active Virgin Travel Insurance coupon codes


What is the maximum age I can still get travel cover?

PolicyAge
Comprehensive and DomesticAll ages
Essentials and Basic74
Annual Multi Trip74

Table updated August 2021


If something happens how do I make a claim?

You can make a claim by downloading a claim form and submitting your claim with the appropriate supporting documents


FAQs about Virgin

Questions about applying

  • Questions about cancelling policies


Why choose Virgin for your trip?

  • Travel with one of Australia’s largest general insurance providers. Despite being a newcomer to the travel insurance market, Virgin Money Australia is one the nation’s leading financial institutions. Virgin Travel Insurance policies are underwritten by Allianz Australia, one of the largest travel insurance groups in the country.
  • Different options to suit many travellers. Virgin Travel Insurance has developed a variety of travel plans with features and benefits to suit different kinds of travellers and their needs. Looking for a basic cover? Virgin Travel Insurance offers Basic or Essentials cover for when you travel abroad. Want top level cover? The Comprehensive cover might be a suitable solution for overseas trips. Domestic travellers can also benefit from two levels of travel cover available through Virgin.
  • Tailor your policy to more ideally suit your needs. You can customise your travel protection plan by adding different options to suit your needs. Depending on the type of cover that you opt for, you can choose to add sports cover, get extra cover for your valuables and luggage, or increase your rental vehicle excess.
  • 24/7 emergency assistance no matter where you are in the world. With the support from Allianz Global Assistance, you can benefit from global emergency assistance with access to doctors, nurses and support staff; available 24/7 to Virgin Travel Insurance policyholders.
  • 14-day cooling off period. Once you have purchased your Virgin Money Travel Insurance policy, you have 14 days to be sure that you have made the right decision. You can cancel your cover within this period and you will receive a full refund as long as you have not commenced your trip or made a claim.
  • Cover for 36 pre-existing medical conditions at no extra cost. If you have a pre-existing medical condition, Virgin Travel Insurance provides cover for applicants with any one of the 36 listed on your policy at no extra cost. Virgin may offer full cover as long as you have not been admitted to a hospital for the elected condition in the 24 months prior to your policy’s commencement date. Some of the pre-existing medical conditions that Virgin travel insurance will cover include:
  • Asthma
  • Cataracts
  • Carpal Tunnel Syndrome
  • Diabetes Type I and II
  • Glaucoma
  • Gout
  • Hypertension
  • Hypothyroidism
  • Macular Degeneration
  • Tinnitus

More guides on Finder

  • Virgin Travel Insurance Promo Code

    Virgin offers high quality, affordable insurance policies for your travel needs. Discover deals and offers on Virgin Travel Insurance from finder.com.au.

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18 Responses

  1. Default Gravatar
    AnneSeptember 19, 2019

    Hi,

    I’m looking for travel insurance. I’m on a 12-month visa here in Australia and I’d like to get comprehensive insurance for 12 months to cover my trip to the US in April. Can I get insurance for all my stay here in Australia? I’m from Ireland and I’m 68 years, healthy no illnesses.

    • Avatarfinder Customer Care
      JeniSeptember 21, 2019Staff

      Hi Anne,

      Thank you for getting in touch with Finder.

      General eligibility requirements for inbound travel insurance include:

      • You must be a non-resident of Australia travelling to Australia for a temporary period and then returning to your home country
      • You must be under 81 years of age at the time the policy is issued (age limits vary between insurers)
      • Your trip must include travel within Australia
      • You must have purchased cover less than 12 months prior to arriving in Australia

      Since you have arrived in Australia and considering getting travel insurance for your trip to the US in April, you can check some non-resident travel insurance. I suggest that you contact your chosen insurer directly to know your cover well before leaving for your trip.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  2. Default Gravatar
    AndrewMarch 22, 2019

    Can I book travel insurance outside of Australia? I am currently working in Japan then travelling to Thailand and UK. I am an Australian citizen.

    • Avatarfinder Customer Care
      MaiMarch 23, 2019Staff

      Hi Andrew,

      Thank you for reaching out to Finder.

      I’m afraid you may not be qualified to get one from Virgin Travel Insurance. Their insurance is backed by Allianz and they require that your journey should commence and end in Australia. You may want to check travel insurance for Australian expats to check your options. The page also discusses the types of cover that may be available for expatriates, coverage FAQs, etc.

      Hope this helps and don’t hesitate to contact us back if you require further assistance.

      Kind Regards,
      Mai

  3. Default Gravatar
    RosemaryNovember 1, 2018

    Hi, does this insurance cover cruises in Europe – italy/croatia/greece?

    • Avatarfinder Customer Care
      JohnNovember 1, 2018Staff

      Hi Rosemary,

      Thank you for leaving a question.

      Yes, Italy, Croatia and Greece are covered by Virgin International Travel Insurance. Hope this helps!

      Cheers,
      Reggie

  4. Default Gravatar
    GarySeptember 24, 2018

    What about disaster insurance cover for Bali?

    • Avatarfinder Customer Care
      JohnSeptember 25, 2018Staff

      Hi Gary,

      Thank you for your inquiry.

      Based on the Product Disclosure Statement of Virgin Travel Insurance, there is coverage when it comes to natural disasters when the natural disaster will affect your mode of transport. You may want to refer to our guide to Virgin travel insurance to know which cover options are available.

      We also have a dedicated page for travel Insurance for Indonesia. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      Cheers,
      Reggie

  5. Default Gravatar
    ShirleyMay 24, 2015

    I have cover 22/5 to 6/6 had slight accident left paperwork at home.can you provide claim number. Cut to eyebrow going to emergency hospital

    • Avatarfinder Customer Care
      RichardMay 25, 2015Staff

      Hi Shirley,

      Thanks for your question.

      If you would like to make a claim with Virgin Travel Insurance, you will need to contact them directly or download a claim form from their website and submitting your claim with the appropriate supporting documents which includes police reports, valuations, medical reports, and original receipts or proof of purchase and ownership.

      Please make sure to revisit the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a claim.

      I hope this was helpful,
      Richard

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