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Important:
Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:- Some policies may not be available through Finder at this time
- It’s unlikely that your policy will cover expenses from border closures
In addition to its holiday options, Zuji also offers a range of travel insurance options to suit the needs of an extensive variety of travellers. Whether you’re looking for essentials cover for your next family holiday or an annual multi-trip policy that provides comprehensive protection, Zuji has a policy designed with you in mind.
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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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Who Underwrites Zuji Travel Insurance?
Zuji is an authorised representative of AGA Assistance Australia trading as Allianz Global Assistance. As Zuji’s policies are issued and managed by Allianz Global Assistance for Allianz Australia Insurance Limited, you have the confidence of knowing that you are dealing with a company that has a large global presence, financial strength and an extensive history in the insurance industry.
Zuji Travel Insurance Products
Zuji offers five travel insurance products designed to meet the diverse needs of a range of travellers:
- Comprehensive
- Essentials
- Medical and Personal Liability
- Multi Trip
- Trip Cancellation and Luggage Protection
Each of these policies offers unique cover options for prospective Zuji customers, allowing you to choose the plan that best meets your requirements. Depending on the plan you choose, you may be able to choose individual, single, duo or family cover. Take a look at the benefits comparison table below to get a more accurate picture of the features offered by each policy.
| Comprehensive | Essentials | Medical and Personal Liability | Multi Trip | Trip Cancellation and Luggage Protection | |
|---|---|---|---|---|---|
| Standard excess | $0, $100 or $500 | $0, $100 or $500 | $500 | $100 | $100 |
| Cancellation fees and lost deposits | Unlimited | $5,000 | N/A | Unlimited | Nominated value you select |
| Overseas emergency medical assistance | Unlimited | $5 million | Unlimited | Unlimited | N/A |
| Overseas emergency medical and hospital expenses | Unlimited | $5 million | Unlimited | Unlimited | N/A |
| Dental expenses | $1,000 | $1,000 | $1,000 | $1,000 | N/A |
| Additional expenses | $50,000 | $5,000 | N/A | $50,000 | N/A |
| Hospital cash allowance | $5,000 | $1,000 | N/A | N/A | N/A |
| Accidental death | $25,000 | $15,000 | N/A | N/A | N/A |
| Permanent disability | $25,000 | $15,000 | N/A | N/A | N/A |
| Loss of income | $10,400 | $5,200 | N/A | N/A | N/A |
| Travel documents and transaction cards | $250 | $250 | N/A | N/A | N/A |
| Theft of cash | YES | YES | YES | YES | N/A |
| Luggage and personal effects – no depreciation | $5,000 | N/A | N/A | $5,000 | N/A |
| Luggage and personal effects – depreciation applied | $N/A | $1,500 | N/A | N/A | Nominated value you select |
| Luggage and personal effects delay allowance | $500 | $300 | N/A | N/A | N/A |
| Travel delay | $1,000 | $1,000 | N/A | N/A | N/A |
| Alternative transport expenses | $5,000 | $2,000 | N/A | N/A | N/A |
| Personal liability | $5 million | $2 million | $5 million | N/A | N/A |
| Rental vehicle insurance excess | $3,000 | $1,000 | N/A | $3,000 | N/A |
| Travel services provider insolvency | $10,000 | $5,000 | N/A | $10,000 | N/A |
Zuji Travel Insurance Featured Benefits
- Cancellation fees and lost deposits. If unforeseen circumstances such as illness or job loss force you to cancel or amend your trip, your Zuji policy will cover the cost of cancellation fees and prepaid deposits.
- Overseas emergency medical assistance. You can contact Allianz Global Assistance 24 hours a day, seven days a week when you need medical assistance. This includes help finding a doctor and cover for the cost of medical evacuation if required.
- Overseas emergency medical and hospital expenses. This policy benefit will cover the costs you incur for medical and hospital expenses when you fall ill or are injured overseas. Cover for emergency dental expenses is also included.
- Additional expenses. You’ll be reimbursed for additional accommodation and travel expenses if you are suffering from an injury or sickness and a medical adviser certifies that you are unfit to travel.
- Hospital cash allowance. You’ll receive an allowance of $50 per day for each day you are in hospital if you are hospitalised for more than 48 continuous hours.
- Accidental death. This benefit will be paid to your estate if you die as a result of an injury you suffer on your trip.
- Permanent disability. If you suffer an injury in your trip that leads to you becoming permanently disabled, your policy will pay out the benefit amount.
- Loss of income. If you suffer an injury during your journey which prevents you from returning to work when you arrive home, you’ll receive $400 a week for up to 26 weeks.
- Travel documents, transaction cards and travellers cheques. If any of these items are lost, stolen or destroyed during your journey, you’ll be reimbursed for the cost of their replacement.
- Theft of cash. You’ll be reimbursed if cash is stolen from your person.
- Luggage and personal effects. If your luggage or personal items are lost, stolen or damaged, you’ll receive cover for the cost of their repair or replacement.
- Luggage and personal effects delay expenses. If your luggage and personal items are delayed by a travel provider for at least six hours, you’ll receive cover for the cost of buying emergency clothing, toiletries etc.
- Travel delay expenses. If your trip is delayed for at least six hours due to circumstances beyond your control, you’ll receive cover for the cost of additional meals and accommodation expenses.
- Alternative transport expenses. Zuji will pay for your alternative transport if you need to get to a pre-arranged event (ie a wedding or business conference) but your prepaid transport is cancelled or delayed.
- Personal liability. You’ll receive cover for when you are found to be legally liable for causing injury or property damage to a third party.
- Rental vehicle insurance excess. Zuji will cover the cost of your rental vehicle insurance excess if your rental car is stolen, crashed or damaged.
- Travel services provider insolvency. You’ll be covered for the cost of any unused travel arrangements, as well as for the expense involved in rearranging your journey.
Zuji Travel Insurance Important Matters
- Who can purchase Zuji Travel Insurance? Trip Cancellation and Luggage Protection can only be purchased if you take out cover before commencing your journey and if the portion of your journey which this policy covers commences and ends in Australia. All four other Zuji policies are only available to Australian residents who are taking a journey that commences and ends in Australia. You’ll also need to take out cover before starting your trip.
- Is there an age limit? You need to be under 75 years of age to be eligible for cover.
- How long is the cooling-off period? You have 14 days once your certificate of insurance has been issued to change your mind and receive a full refund.
- Can I extend my cover? Yes. You can extend your cover if your return to Australia is pushed back by a delay to your transportation or by an event for which you can make a claim under your policy.
Zuji Travel Insurance Exclusions
Zuji will not pay your claim if:
- You fail to act in a responsible way to protect yourself and your property
- You do not take all reasonable steps to reduce your loss
- Your claim is for consequential loss of any kind
- Your claim is for a loss which can be recovered under a workers compensation scheme, transport accident laws or similar
- Your claim is a result of errors or omissions in your booking arrangements or your failure to obtain a relevant visa
- You act in an illegal manner or break any government regulation
- You ride a motorcycle without holding a current Australian motorcycle licence
- Your claim is related to an epidemic or pandemic
- Your claim is a result of travelling to a country which the Australian Government has issued an advisory warning against visiting
- Your claim is related to an act of war
- Your claim is the result of a pre-existing medical condition
- You were travelling against the advice of a medical practitioner
- Your claim is related to pregnancy, unless it is a single, uncomplicated pregnancy and you are less than 23 weeks along
- It relates to your treatment for drug or alcohol addiction
- It is related to any form of mental illness
- Your claim arises from suicide or attempted suicide
- Your claim arises from elective surgery
Zuji Travel Insurance Claims
It’s your responsibility to give notice of your claim as soon as possible by calling Allianz Global Assistance on 1300 136 231. If you do not notify the insurer in a timely fashion, or if you fail to provide information and supporting documentation needed to process the claim, your claim could be reduced.
Allianz may request certain information to help them effectively assess and process your claim. This may include police reports, medical reports, valuations, receipts, proof of ownership and more. You may also need to provide English translations of documents for your insurer.
You’ll need to supply all the information Allianz requests and also remember to do things by the book before you make a claim and when you lodge it. For example, if your wallet is stolen, remember to report the theft to the police and get a copy of any report.
Within 30 days of returning home you must submit full details of your claim in writing. Claims are paid in Australian dollars.
If you’re looking for travel insurance cover for your next holiday, consider the range of policies offered by Zuji Travel Insurance. There are policies to suit a wide range of needs and budgets, so shop around for cover and compare Zuji’s plans with other policies on the market.
Back to topApply for Zuji Travel Insurance
Though it’s best known as an online travel agency, Zuji also offers a range of travel insurance policies to offer financial protection against common travel risks. There are five policies to choose from, each offering different levels of cover and different premium prices, and the policies are issued and managed by Allianz Global Assistance for Allianz Australia Insurance Limited. Read on to find out more about Zuji’s travel insurance offerings.
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Ask an Expert
Does Full comprehensive insurance cover cycle riding in Vietnam or do I need more?
Hi Rob,
Thanks for getting in touch. finder.com.au is a comparison service and Zuji Travel Insurance is not currently one of the travel insurance brands in our panel. Bicycling is one of the sporting activities automatically covered by Zuji. However, this doesn’t include bicycle motorcross (BMX) or downhill mountain biking.
I hope this was helpful,
Richard
I have purchased comprehensive insurance plan A for my family to cover my trip to the UK. We are going to travel to Majorca during our stay in the UK and want to know if my insurance covers me for this trip as well?
Hi Suzanne,
Thanks for your question. finder.com.au is a comparison service and Zuji is not currently part of the panel of travel insurance brands we compare. You should contact them directly about policy information.
All the best,
Richard
i will be travelling from gold coast international airport 22nd aug 2016 i wish to take travel insurance to cover cancellation delays etc im going to the manila, Philippines.
i was wondering do yous cover a patient with lymphoma non hodgkin cancer im 56 year old male if you do can you please send me a quote please i am travelling to phuket thailand ty
Hi John,
Thanks for your question. While we are not Zuji, I can check this one for you.
According to the Zuji Travel Insurance product disclosure statement, “There is no cover for medical expenses, cancellation costs or additional expenses arising from or related to any type of cancer that you have previously been diagnosed with, or secondaries from that cancer.”
You may find our travel insurance for cancer patients article useful.
I hope this was helpful,
Richard
Hi Douglas,
Thanks for your question. If you would like to compare the options from the insurance brands in our panel, please enter your travel details into the comparison tool that can be found on the travel insurance homepage.
I hope this was helpful,
Richard
Does the comprehensive policy cover cruises outside of Australia?
Hi Imelda,
Thanks for your question. Cruises are automatically covered by Zuji under the comprehensive international policy provided the correct destination is selected.
I hope this was helpful,
Richard
I am looking into travel insurance for my 79 year old mother. First, am I reading it right that Zuji only covers passengers under 75? If this is not the case, I don’t understand how their quotes can be so much cheaper than other insurance companies, especially when it comes to covering the elderly. Age doesn’t seem to matter in the initial zuji quote online enquiry page? Could someone enlighten me. Thank you.
Hi Debbie,
Thanks for your question.
That is correct, Zuji only offer cover to those under the age of 75. To find out more about travel insurance for seniors, including a list of the providers in our panel and the maximum age they cover, please consult our seniors travel insurance guide.
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.
I hope this was helpful,
Richard