Why Insurance travel insurance
Find out how Why Insurance can cover your next 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 any coronavirus-related claims
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
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What are the policy options?
Why Insurance offers great couples and family cover, offering the simplicity and savings of one policy with limits that adjust to suit your needs. Simply pick the appropriate single, duo or family option and you can get everyone covered under the same policy.
- Single: Cover for you only.
- Duo: Cover for two, with separate limits for each of you, to make sure that you’re both covered to the fullest extent of the policy.
- Family: A family-sized travel insurance policy, with big family-sized policy limits to suit.
There are three standard policy options to choose from and two special ones.
The standard cover types are available for single, duo or family policies:
- Domestic: A non-medical plan for domestic travel inside Australia.
- Essentials: A potentially more cost-effective, yet thorough policy option for international travel.
- Comprehensive: A high level of cover for all-around comprehensive protection.
The two special cover types are:
- Multi-trip: Comprehensive cover that lasts for 12 months for an unlimited number of trips. It automatically covers your partner and any dependents travelling with you, but it doesn’t give you the benefit of increased or separate limits.
- Non-medical: This is for those who don’t need medical cover overseas or who want a higher level of protection than the standard domestic policy. This policy is available without any age limits for single cover only and it does not let you claim for any cancellations or additional expenses resulting from medical issues.
How do the policies compare?
|Overseas emergency assistance and hospital expenses|
|Hospital cash allowance|
|Loss of income|
|Travel delay expenses|
|Alternative transport expenses|
|Luggage and personal effects|
|Delayed luggage expenses|
|Travel documents, cards and traveller’s cheques|
|Theft of cash|
|Rental vehicle excess|
Table updated: September 2019
- Single: Your limits are as specified.
- Duo: Your limits are the specified amounts for each person.
- Family: Your limits are double the specified amounts for the whole policy, with the exception of personal liability, which remains at $2.5 million.
If your return to Australia is delayed for reasons covered under the policy or because of certain failures on the part of a travel service provider, your cover will automatically be extended at no extra cost until you are able to return to Australia.
What additional extras are available?
These extras are optional to ensure that you aren’t paying for cover that you don’t need:
- Snow pack: Emergency rescue cover, equipment cover and piste closure cover. You won’t be covered for on-snow misadventure without the snow pack.
- Cruise pack: Extends your medical cover to the cruise ship and also includes cover for emergency dental expenses while on board. Benefits are payable in the event of cabin confinement, if formal attire is delayed, if shore excursions are cancelled or if the ship has to divert for marine rescue. This pack ensures that you’re covered while cruising and has additional benefits to help make sure you have a great time even if things go wrong.
- Adventure pack: A sports pack to ensure that you’re covered for adventures overseas, including contact sports, caving, hiking or trekking above 3,000m or on the Kokoda Track, quad bike riding, white water rafting, using motorcycles above 250cc and more.
What exclusions should I be aware of?
Certain conditions may apply to specific cover types, so it’s important to check individual cover types and activities in the PDS. General exclusions also apply, including:
- Reckless or intentional behaviour. Deliberately or recklessly putting yourself or your possessions at risk may lead to your claim being denied. You are not covered for losses resulting from being under the influence of drugs or alcohol.
- Loss mitigation. You need to do everything reasonably possible to mitigate losses, such as locking your hotel door when you leave the room and utilising hotel safes.
- Invitees. You are not covered for losses resulting from inviting someone to your accommodation or choosing to enter someone else’s accommodation.
- Motorcycle and driving conditions. You are not covered to ride motorcycles over 250cc without the adventure pack extra and you must wear a helmet when riding any motorcycle or quad bike, moped or motor scooter. The driver of the motorcycle or scooter must hold an appropriate Australian motorcycle license or suitable equivalent.
- Government warning. You are not covered while travelling in any area referred to in an official government warning.
- Mental conditions. There is no cover for mental or nervous conditions suffered by you or any other person.
- Pre-existing conditions. You are not covered for any losses resulting from a pre-existing condition, except those which are automatically covered or which you cleared with Why Insurance before travelling.
Your cover may vary depending on your age. Generally, you are able to be covered as normal if you are under the age of 75. If you are aged 75 or over, you may want to contact Why Insurance to find out how this may affect your cover.
Additional premiums may apply based on age and certain policy options or cover types may be affected differently.
How do I get covered for pre-existing conditions?
A pre-existing condition is one that you are aware of, or that a reasonable person would have been aware of, prior to taking out cover.
36 pre-existing conditions are automatically covered by Why Insurance, provided the condition you have is stable and you have not sought medical assistance or been hospitalised for it within the previous 24 months. These pre-existing conditions include acne, asthma (if you are under 60 and have no other lung disease), carpal tunnel, rosacea and others.
You can still get covered for a pre-existing condition if you are approved by Why Insurance prior to taking out cover, but an additional premium may apply.
How much does it cost?
Your premiums may be affected by your age, your chosen cover type and any special situations, such as cover for certain pre-existing conditions.
An excess is payable for a range of claims, but is not payable for claims such as domestic service or cabin confinement, theft of cash or overseas emergency assistance.
How do I make a claim?
- 24-hour emergency assistance: Call 61 7 3305 7499 from anywhere in the world, or 1800 010 075 within Australia.
- Other claims: Call 1300 725 154.
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