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Virgin Travel Insurance

Discover reasons to consider Virgin Money Travel Insurance for your trip.

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Important:

Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
    • If you're buying a policy today, it's unlikely that you'll be covered for border closures
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
    You can compare the features of various Virgin Travel Insurance policies by using the table below and get a free quote. Virgin Money Australia has expanded its personal insurance portfolio and now offers comprehensive travel insurance plans for both domestic and international trips to suit different needs and budget.
    Virgin travel insurance is not currently available via finder. You can visit their website at www.virginmoney.com.au for more information or compare alternative options available below.

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    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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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 Limit120

    Table updated December 2020


    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 December 2020


    2. Virgin Domestic Travel Insurance

    Virgin Travel Insurance also provide 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 December 2020


    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 provide 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 in 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 ski pack
    Piste closure
    Bad weather and avalanche closure
    Own golf equipment
    Cruise cover
    Increased item limits
    Standard excess

    Table updated December 2020


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

    Benefits

    • 24/7/365 Emergency Assistance. Virgin Travel Insurance is underwritten 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.
    • Discount policies. You can save on travel insurance with coupon codes and other discounts – existing Virgin customers are eligible for a 5% premium discount.

    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 December 2020


    How much excess do I have to pay when I claim?

    The standard excess on Virgin Money travel insurance will vary depending on your policy:

    PolicyExcess
    Domestic (Single and Multi-trip)$150
    Basic$150
    Essential$250
    Comprehensive$250
    Annual Multi Trip$150

    Table updated December 2020

    Can I get rid of this charge?

    Yes you can. Virgin allows you to either reduce your excess or completely remove it for an additional premium.


    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

    Looking to Apply? Purchase Cover Securely Online

    To get a free quote for Virgin Travel Insurance, fill in your details by following the link below. Once you have submitted your details, a Virgin Money representative will be in touch with to confirm your details.

    Apply for Virgin Travel Insurance

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    18 Responses

      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

      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

      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

      Default Gravatar
      GarySeptember 24, 2018

      What about disaster insurance cover for Bali?

        Avatarfinder Customer Care
        JohnSeptember 25, 2018Staff

        Hi Gary,

        Thank you for leaving a question.

        Based on the Product Disclosure Statement of Virgin Travel Insurance, there is coverage when it comes to natural disaster when the natural disaster will affect your mode of transport. You may check more on the PDS here. Hope this helps!

        Cheers,
        Reggie

      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

      Default Gravatar
      MayDecember 16, 2014

      Do you cover pregnancy? especially premature birth and care of a new born baby afterwards?
      I will be 24weeks when going to Hawaii.
      Thanks.

        Avatarfinder Customer Care
        RichardDecember 16, 2014Staff

        Hi May,

        Thanks for your question. Virgin Travel Insurance only covers for:
        “Single uncomplicated Pregnancy, up to and including 23 weeks, not Arising from services or treatment associated with an assisted reproduction program including but not limited to in vitro fertilization (IVF).”

        You may find our Travel Insurance for Pregnancy page useful, as it has a wealth of information about the topic and also a list of providers from within our panel that covers travel insurance for pregnant women.

        I hope this was helpful,
        Richard

      Default Gravatar
      MarieSeptember 29, 2014

      how do I cancel my policy?

        Avatarfinder Customer Care
        ShirleySeptember 30, 2014Staff

        Hi Marie,

        Thanks for your question.

        To cancel your policy, please get in touch with Virgin Travel Insurance directly.

        Cheers,
        Shirley

      Default Gravatar
      snowyFebruary 15, 2014

      With the sports cover option will be covered with things such as snorkeling or white water rafting

        Avatarfinder Customer Care
        WilliamFebruary 17, 2014Staff

        Hi Snowy,

        Thank you for your enquiry. According the Virgin Money Travel Insurance PDS, a benefit will not be paid if;
        “Your claim Arises because you dive underwater using an artificial breathing apparatus, unless you hold an open water diving licence issued in Australia or you were diving under licensed instruction.”

        There is no mention of if white water rafting will be covered. It would be best to speak with Virgin directly to clarify whether this activity will be covered prior to taking out cover. It may be dependent on the policy that you choose.

        Finder always recommends that anyone looking to take out travel cover take the time to read through the product disclosure statement closely and speak to the provider if necessary so that they are absolutely certain when they will and will not be covered.

        All the best with your enquiry.

      Default Gravatar
      MichaelJanuary 26, 2014

      I reside in NZ can I use your services?

        Avatarfinder Customer Care
        MarcJanuary 28, 2014Staff

        Hi Michael,
        thanks for the question.

        Unfortunately you must be a resident of Australia to be able to apply for this insurance policy. In addition, your journey must start and end in Australia.

        I hope this helps,
        Marc.

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