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Under 30’s Travel Insurance deals for 2018

Want to pay less for travel cover? Save with Under 30’s Travel Insurance deals and discounts

Under 30’s provides travel insurance policies for travellers aged between 16 and 29. Policies are offered at a lower cost since younger people represent lower overall risk to the insurer. Travel insurance is available for local and international journeys, along with special plans for backpacking and gap-year holidays.

Travel insurance provides financial and administrative support during an emergency, medical or otherwise. With a good policy in place, you’re better equipped to deal with the unforeseen.

Under 30’s discount codes and coupons

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Get 10% off travel insurance with World2Cover

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Get 10% off all Tick Travel Insurance policies
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Save 10% on YouGo Travel Insurance
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Get 5% off travel insurance with Fast Cover Get 5% off your travel insurance when you use this coupon code.

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Your chance to win up to $5,000 in travel cash in June

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Buy a travel insurance policy by June 30 to go into the draw to win up to $5,000 in travel cash.

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What policies are available from Under 30’s ?

Under 30’s policies cater to young travellers who don’t always have the budget for premium-level policies. Whether you’re travelling as a group locally or backpacking overseas, you have a choice of low-cost policies that are awarded according to your destination.

International

This policy provides full benefits for overseas travel, including cover for expenses and assistance in a medical emergency. Cover includes:

  • Unlimited overseas medical assistance and expenses
  • Dental expenses
  • Additional accommodation and travel expenses
  • Resuming a journey
  • Accidental death and permanent disability
  • Luggage and personal effects
  • Travel documents and travellers cheques
  • Theft of cash
  • Credit card fraud and replacement
  • Cancellation and lost deposits
  • Rental vehicle excess
  • Personal liability up to $5 million

Domestic

The Domestic option doesn’t cover medical expenses, but it does provide for cancellations and lost deposits as well as sports equipment hire and replacement. You are covered for:

  • Expenses for family emergencies
  • Accidental death
  • Luggage and personal effects up to $1,000
  • Cancellation fees and lost deposits
  • Disrupting a journey
  • Personal liability up to $5 million
  • Rental vehicle excess

Pros and Cons of Under 30’s

Pros

  • Underwritten by certain underwriters at Lloyd's
  • Flexible policies and additional options
  • Long-term cover (up to 12 months) for gap years
  • Available as single or group plans
  • Low rates for low-risk age group
  • Online quotes
  • Purchase policies online
  • 24/7 emergency support from AGA
  • Resume disrupted trips
  • Policies can be extended

Cons

  • Some pre-existing medical conditions excluded
  • Cover for cruise holidays only available on the Pacific plan
  • No option to claim online
  • Limited to travellers aged between 16 and 29

How do I make a claim with Under 30’s?

  1. Notify the company as soon as possible. Any delay on your part could incur fees to compensate the insurer for time lost. Download the claims form, fill it in as fully as possible and send it in. You can also call to submit a claim.
  2. Provide documentation. Depending on the type of claim, you’ll be asked to submit documentation to prove theft, loss, damage or ownership of goods, as well as medical reports from medical professionals and written statements from transport providers.
  3. Cooperate. Besides being honest in your declarations, you must also refrain from admitting fault in the event of an accident, loss or damage. You must first consult with the insurer before agreeing to pay or compensate anyone.

Under 30’s FAQ

Q. Who can apply for these policies?

  • A. Under 30’s policies are available to travellers aged between 16 and 29. As long as you are an Australian resident and your journey begins and ends in Australia, you are eligible to apply.

Q. I’m going on an Australian cruise. Which plan should I choose?

  • A. Travellers on domestic cruises in Australian waters should select the Pacific plan so that cover is available for emergency medical assistance and hospital expenses.

Q. How is my premium calculated?

  • A. The amount you pay in premiums depends on the level of risk you represent to the insurer. Factors such as your age, your destination, the length of your journey and optional extras determine the price of your policy. Government charges and service fees are also added to the overall price.

Q. What about pre-existing medical conditions?

  • A. The medical insurance provided by the policies only covers unforeseen medical conditions. The insurer may be able to cover an existing medical condition, but you must submit additional documentation and pay an extra premium.

Q. Can my policy be extended?

  • A. Cover can be extended free of charge, but only under certain conditions that prevent or delay your return to Australia. Otherwise, you have to submit a request for an extension at least 24 hours before the policy expires and pay an additional premium for the new Certificate of Insurance.

Q. Who is Under 30’s Underwritten By?

  • A. These policies are underwritten by certain underwriters at Lloyd's. In an emergency, you will be assisted by AAI Australia.

Q. Can I cancel my Under 30’s policy if I’m not happy with it?

  • A. You have a 14-day cooling off period during which you can cancel your policy for a full refund, provided you haven’t left on your trip or filed a claim.

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Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

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