Zoom Travel Insurance

Quote matching, quick cover and 24-hour help. Find out how Zoom Travel Insurance can cover you holiday.

Zoom Travel Insurance is all about the right level of cover at the most competitive prices possible. Simply pick your cover, then add whatever options you need.   Zoom will price-match any comparable product, so you know you’re getting a deal.   And if you’re living in Australia as a non-resident, or on a 457 visa, you can still get travel insurance with Zoom for a holiday. Almost everyone can find the cover they need with Zoom.

finder.com.au does not currently have access to this travel insurance brand. You may wish to compare options available on the travel insurance homepage.

What travel insurance policies does Zoom offer?

You can pick up domestic cover to travel in Australia, or select one of the other four cover levels for international trips.   After that, simply add whichever optional extras you need and leave off the ones you don’t. This way you aren’t paying for cover you don’t need.

  • Covers non-residents: Non-residents of Australia can also get cover with Zoom Travel Insurance.
  • No medical underwriting: Get covered quick. Zoom automatically covers a wide range of pre-existing medical conditions, while others are excluded.
  • Optional cover: Don’t leave home without the most important cover, but don’t pay for what you don’t need.
  • Price matching: Found a comparable policy at a better price? Zoom can match it.
FeatureMedical OnlyStandardComprehensiveFrequent TravellerDomestic
24/7 emergency assistance
  • Unlimited
  • Unlimited
  • Unlimited
  • Unlimited
  • No
Overseas emergency medical expenses
  • Unlimited
  • Unlimited
  • Unlimited
  • Unlimited
  • No
Additional expenses
  • No
  • $30,000
  • $50,000
  • $50,000
  • $50,000
Hospital cash allowance
  • No
  • $2,500
  • $3,000
  • $3,000
  • $3,000
Accidental death
  • No
  • No
  • $25,000
  • $25,000
  • $25,000
Permanent disability
  • No
  • No
  • $25,000
  • $25,000
  • No
Loss of income
  • No
  • No
  • $10,400
  • $10,400
  • No
Cancellation fees, lost deposits
  • No
  • Unlimited
  • Unlimited
  • Unlimited
  • Unlimited
Alternative transport
  • No
  • No
  • $5,000
  • $5,000
  • $5,000
Travel delay
  • No
  • No
  • $2,000
  • $2,000
  • $2,000
Luggage and personal effects
  • No
  • $5,000
  • $7,500
  • $7,500
  • $7,500
Luggage delay expenses
  • No
  • No
  • $250
  • $250
  • No
Travel documents and transaction cards
  • No
$2,000
  • $5,000
  • $5,000
  • No
Theft of cash
  • No
  • No
  • $250
  • No
Personal liability
  • $2.5 million
  • $2.5 million
  • $5 million
  • $5 million
  • $5 million
Rental vehicle insurance excess
  • No
  • Optional
  • Optional inclusion
  • Optional inclusion
  • $5,000 automatically included, with $8,000 option

What additional cover options do I have?

Don’t pay for cover you don’t need. Simply add on the extra options as required.

Snow cover

 FeatureComprehensiveFrequent TravellerDomestic
Snow sports emergency medical assistance
  • Unlimited
  • No
  • Unlimited
Snow sports overseas medical expenses
  • Unlimited
  • No
  • Unlimited
Own equipment cover$500$500$500
Rental equipment cover$1,500$1,500$1,500
Unusable hire, lift, lesson and expense reimbursement$1,500$1,500$1,500
Piste closure$1,000$1,000$1,000
Bad weather and avalanche closure$750$750$750

Golf pack

 FeatureStandardComprehensiveFrequent TravellerDomestic
Own golf gear$2,000$2,000$2,000$2,000
Golf gear hire$1,500$1,500$1,500$1,500
Golf green fees$500$500$500$500
Hole in one reward$250$250$250$250

Bicycle Cover

Bicycles aren’t covered under personal effects cover and are only covered through this optional extra. However, accessories like helmets and pumps are covered by the core personal effects part of the policy.

 FeatureComprehensiveFrequent TravellerDomestic
BicyclesUp to $5,000 per bicycle, $15,000 per policyUp to $5,000 per bicycle, $15,000 per policyUp to $5,000 per bicycle, $15,000 per policy

Cruise cover

You must take this if you’re going on an ocean cruise for two nights or more during your trip.

  • This extra extends your cover so that you’re covered while on board a cruise ship
  • It’s available with all plans
  • You don’t need it for inland cruises, river cruises or cruises that are only overnight

High-value items cover

You can purchase additional cover for specific items, up to a total of $5,000. These items must be specified, but you cannot specify:

  • Jewellery
  • Watercraft other than surf boards
  • Snow sports equipment

Bicycles can be specified, but you’ll still need to purchase the Bicycle Cover extra.

Sports and adventure pack

You are automatically covered for a range of activities, but you’ll need to add this optional extra to get covered for a wider range of riskier sports and adventure activities. This extra is not available with Medical Only cover. This pack covers you for trekking, contact sports, mountain biking, scuba diving, skydiving and more. Note that some conditions apply and you should check your PDS for more information.

What are the key exclusions to be aware of?

In order to make a claim you must:

  • Generally act responsibly and take reasonable steps to prevent injury or loss. This includes doing things like reviewing your bookings and travel documents to make sure everything is in order
  • Hold the appropriate Australian or relevant overseas driver’s licence when driving any vehicle. When riding or driving a motorcycle, moped or scooter, you’re only covered if the driver has a motorcycle licence
  • Avoid areas the Australian Government has listed as “reconsider your need to travel” or “do not travel”

You cannot claim for:

  • Any pre-existing condition except those which are automatically covered
  • Anything resulting from medication you were on before your trip
  • Any mental illness or sexually transmitted disease
  • Any loss resulting from being under the influence of alcohol or drugs, except when taken as prescribed
  • Anything on-snow unless you have the Snow Pack extra
  • Anything on a cruise unless you have the Cruise Pack extra

Who can apply for Zoom Travel Insurance?

Unlike many other travel insurance providers, Zoom may still cover you if you’re not an Australian resident. If you’re in Australia on a 457 visa, or otherwise are not an Australian resident, you can get travel insurance with Zoom for trips around Australia or overseas. This will continue even after the abolition and replacement of 457 visa classes. Age limits apply, which vary between each cover type.

  • Medical Only – Up to age 79 inclusive
  • Standard – Up to age 79 inclusive
  • Comprehensive – Up to age 85 inclusive
  • Frequent Traveller – Up to age 69 inclusive
  • Domestic – Up to age 85 inclusive

Special conditions for travellers age 80 to 85:

  • You can only take out Comprehensive or Domestic plans
  • There’s a maximum journey length of six months
  • A $2,000 excess applies to all claims relating to injury or illness
  • There is a $40,000 combined limit for emergency assistance, overseas medical and hospital expenses, additional expenses, and cancellation fees and lost deposits

How does Zoom cover pre-existing conditions?

Zoom Travel Insurance automatically covers many pre-existing medical conditions but automatically declines to cover any others. Find a complete list of the pre-existing conditions covered in the PDS. Note that even the specified conditions are only covered if:

  • They have been stable for at least 12 months
  • You have no planned surgery, treatment or specialist review for it
  • You have not attended hospital to treat it in the last 12 months (doctor and GP visits are fine though)

You can still take out cover with other pre-existing conditions but will not be covered for anything relating to that condition.

How do I make a claim?

There’s a different procedure depending on the situation:

  • Medical and emergency: Call +61 2 8015 6261 for emergency assistance.
  • Anything else: Report any theft or relevant loss to the police or relevant authorities as soon as possible, and call 1300 383 550 (Australia) or +61 7 3164 3261 (overseas).

For any kind of emergency situation, you should call the medical number.


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