| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | Unlimited |
| Luggage and Personal Effects | $7,500 |
| Maximum Age Limit | 85 |
Table updated December 2023
Zoom offers limited cover for Covid-19 related to emergency medical and hospital expenses while overseas as well as a hospital cash allowance. If you have to cancel or amend your travel plans, you can also amend your policy dates and destinations up to 12 months from the date of issue.
Other than this, all Zoom policies have general exclusions for epidemics and pandemics that include:
If you're concerned about Covid-19 ruining your travel plans, we've compared all the providers that offer some cover for pandemic-related expenses.
Zoom has five different plans available: Medical only, Standard, Comprehensive, Domestic and Frequent Traveler. Here are some of the main insured events a policy can cover you for:
Medical only
Standard
Comprehensive
Domestic
Frequent Traveler
The insurance is underwritten by certain underwriters at Lloyd's and comes with a cooling-off period and $200 standard excess.
The cooling-off period is 14 days which means if you change your mind and decide to cancel your policy within this period, Zoom will refund your premium in full. The excess is the amount you're required to pay when you make a claim and can be reduced to $100 when you apply by paying an additional premium.
These are some of the features that Zoom will cover you for if something does go wrong on your trip. Some of these inclusions are only available for certain levels of cover (e.g. a comprehensive policy vs a domestic one).
Along with its standard features, Zoom travel insurance also offers some optional cover, so you don't have to pay for cover you won't need. Here are some of the options offered by Zoom:
Like all insurers, there are a few situations you won't be covered for under a travel insurance policy. With Zoom, some of these include:
Make sure you review Zoom's PDS for a detailed breakdown of what is and isn't covered.
For emergencies or medical claims, you can contact First Assistance on +61 2 8015 6261 or email info@travelclaimscentre.com.
For non-emergency claims, the fastest and most convenient option is to submit a claim online by following these steps:
Compared to many other insurers, Zoom's policies are accessible to more travellers, including some non-residents and older Australians. You can also pick from five different levels of cover and tailor your policy with a wide variety of optional add-ons so you're only paying for what you need versus a blanket cover that you might find elsewhere.
Where Zoom falls short is with the lack of cover for pandemics and epidemics, including Covid-19. While you are covered for overseas emergency medical and hospital expenses, any other costs, including travel or cancellation expenses, are not covered.
If you're still not sure about Zoom, you can compare other travel insurance companies here.
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We experienced flooding whilst in Europe in December which caused our train journey from London to Glasgow to be abandoned in Preston. We had to then get local accomodation and a hire car to complete our trip to Glasgow. Zoom denied our claim because a single bus was provided in Preston to continue the journey. When we arrived in Preston there were over 1000 people ahead of us in the bus queue and we were advised to make other travel arrangements by Preston Station staff.
Despite this the claim was denied. I couldn’t recommend you avoid Zoom Insurance more strongly. Its doesn’t have any value.
Have you had similar stories from their customers?
Do Zoom cover or not cover short 7 night Alaska Cruise along coast of Canada and Alaska
Would be happy to pay extra or a higher excess .
Hi Rod,
Thanks for your message. Zoom offers a cruise pack which must be added on to a policy (as it isn’t an automatic inclusion). It’ll cover you for onboard medical treatment and helicopter evacuation costs if you require emergency medical assistance. It’s best to speak directly with Zoom to confirm whether or not you’ll be covered for trips in American and Canadian waters.
I hope this helps,
James
I would like to know if I have an exemption to travel to Nepal that I can take cover out for my trip and it includes 6,000 metres and evacuation.
Hi Bethany,
Zoom Travel Insurance do cover hiking, trekking or tramping peaking at altitudes up to 6,000 metres – where specialist climbing equipment isn’t required. They also have medical evacuation coverage, which is included in some of their policies.
You may reach out to Zoom to discuss the type of cover that will suit your needs.
Don’t forget to check Australia and Nepal’s travel restrictions and exemptions ahead of your travel.
Regards,
James
If I have travel insurance for the 5 week duration of my travel does it cover cancellation of a course I am travelling to if cancelled before I depart?
Hi Kathryn,
Thanks for your inquiry.
Zoom covers Cancellation cover for their Standard, Comprehensive, Frequent Traveller, Domestic plans. If you have one of the 4 plans, you are covered for cancellation events. To be sure, check your policy carefully to see what you are convered for under cancellation and you can also speak to Zoom directly to check your policy as well.
Hope this clarifies!
Best,
Nikki