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Travel with Jane travel insurance
Our verdict: Travel with Jane offers unlimited cover for overseas medical expenses across all its policies plus some optional add-ons, so you only pay for what you need.
Flexible add-ons allow you to customise your travel insurance policy to suit your needs, whether it be extra cover for expensive gadgets, vehicle rental excess or snow sports.
Our research team found 26 travel insurance providers that offer some kind of cover for COVID-19, Travel with Jane is one of them.
Cons
Its $3,000,000 legal liability cover isn't as competitive as other providers we've reviewed. Plus, if you're 70 years or older, you'll have to look elsewhere as Travel with Jane's policies are aimed at younger travellers.
Travel with Jane is not currently available via Finder. You can head to the Travel with Jane website or compare alternative options available below.
Summary of Travel with Jane's Comprehensive policy
Overseas medical and hospital expenses
Unlimited
Cancellation and amendment fees
$15,000
Luggage and personal effects
$6,000
Maximum age limit
69
Table updated August 2022
Travel with Jane travel insurance: COVID-19
Travel with Jane travel insurance is 1 of 26 insurers we found that offer some cover for COVID-19. Cover is only applicable in most cases if you've received the recommended number of doses (including boosters) of an approved vaccine 14 days prior to your trip commencing (unless ineligible).
Full cover is provided as per the terms and conditions of your chosen policy, provided you are travelling to a destination for which DFAT is not advising against all travel or advising against all but essential travel. This includes overseas medical expenses, cancellation costs and emergency accommodation.
Travel with Jane has an extensive list of COVID-19 conditions and exclusions that you should review prior to taking out a travel insurance policy to make sure you'll be covered at the time of a claim.
For more options of COVID-related cover, we've compared other providers that offer pandemic-related expenses for you to compare.
What policies does Travel with Jane offer?
Travel with Jane has 4 travel policy options to choose from: Saver, Basic, Comprehensive and Domestic. Here are some of the key insured events a policy can cover you for:
Saver
Basic
Comprehensive
Domestic
Travel with Jane is an Australian owned and operated travel insurance company. It's issued by Agile Underwriting Services Pty Limited and underwritten by certain underwriters at Lloyd's.
Travel with Jane's insurance policies are available with a cooling-off period of 14 days. This means you will receive a full refund if you cancel your policy within this period, as long as your trip hasn't started yet and you haven't made a claim.
Here's a breakdown of Travel with Jane travel insurance features
Travel with Jane travel insurance policies have a variety of benefits that can cover you for a stack of travel-related mishaps. Here are some of the main benefits to help you decide if Travel with Jane is the right provider for you:
Airfares for resumption of travel
Cancellation costs
Cutting your trip short
Emergency accommodation expenses
Emergency repatriation expenses
Cutting your trip short
Legal costs
Legal liability
Overseas dental expenses
Overseas medical and hospital expenses
Personal belongings and baggage
Travel delay expenses
Optional add-on
With Travel with Jane, you can tailor your policy with extra cover for activities and special gear. You can add on 1 or more of the following packs, so you only pay for the benefits that matter to you:
Adventure pack. Walking on the wilder side? Get cover for sports injuries.
Gadget pack. There is no cover for electronic devices under the standard policy, so you'll need this pack if you want to insure devices like a phone, laptop or camera.
Rental vehicle insurance excess. This can reduce your out-of-pocket expenses if you get into an accident with your rental car on your trip.
Snow pack. Add this to your policy if you're going on a winter sports trip to get cover for your own equipment and prepaid costs like lift passes and accommodation.
Exclusions
As with most insurers, there are some things that you cannot get cover for, usually referred to as general exclusions. Here are some of Travel with Jane's exclusions:
If your claim is related to an add-on pack and you did not purchase the add-on. For example, if you are injured while skiing and you didn't purchase a snow pack, you will most likely not be covered for out-of-pocket expenses.
If you choose to ignore government travel warnings.
Out-of-pocket travel expenses caused by your own booking errors and arrangements, for example, if you were refused entry into a country because you didn't have the right visas.
Any claim related to behavioural diagnoses such as autism, eating disorders or a drug or alcohol addiction.
Any claim arising from your use of a quad bike.
If you ride a motorcycle without wearing a helmet or without a valid licence as required in both the country of travel and Australia or as a passenger without a helmet.
A more detailed list of what is and isn't covered can be found in Travel with Jane's product disclosure statement (PDS).
How to make a Travel with Jane claim
If you have an emergency while overseas, Travel with Jane has a 24-hour emergency response team which you can contact on +61 2 9159 6649.
All other claims can be made online by following these steps:
Head to https://www.travelwithjane.com/claim-online/
Select your reason for claiming
Answer all sections, including personal information and details of the incident
Attach any supporting documents
Submit, and your claim should be paid within 5–10 business days
Here's the bottom line about Travel with Jane Travel Insurance
Travel with Jane offers budget-friendly travel insurance policies whether you're heading off on a staycation or exploring overseas. Whether you opt for the more affordable Saver policy or the top-tier Comprehensive cover, you'll be insured for unlimited overseas medical and hospital expenses. The company also donates 10% of all sales to the "Scrap the Gap" campaign, so you can do your bit to support gender equality at the same time.
However, if you're over the age of 70, you'll need to look elsewhere. All travellers should review Travel with Jane's benefit limits to ensure you're covered for everything you'll need on your holiday. Its legal liability of up to$3,000,000 falls behind many other providers.
Travel with Jane can be contacted by email at hello@travelwithjane.com for general enquiries.
Travel with Jane insures both men and women. It aims to create a safe community of female travellers and provides content to help women travel, but all travellers that meet its eligibility criteria (e.g. aged between 18 and 69) can be insured.
Travel with Jane is underwritten by certain underwriters at Lloyd's.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.
Most people do not keep receipts of all equipment purchased such as camera and smartphone that may be two years old or more. In the event of a claim, does it mean no receipt no claim?
Travel insurance claims typically need to be supported with evidence like police reports or itemised receipts. Without these, claims can be denied as it will be difficult to prove the veracity of ownership. It would be best to always refer to your travel insurance’s policies terms and conditions to know the supporting documents required when filing for claims.
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Purchase Receipts:
Most people do not keep receipts of all equipment purchased such as camera and smartphone that may be two years old or more. In the event of a claim, does it mean no receipt no claim?
Hi Jesse,
Thanks for your question.
Travel insurance claims typically need to be supported with evidence like police reports or itemised receipts. Without these, claims can be denied as it will be difficult to prove the veracity of ownership. It would be best to always refer to your travel insurance’s policies terms and conditions to know the supporting documents required when filing for claims.
I hope this helps.
Cheers,
Liezl