Virgin Travel Insurance is one of the few providers we found that regularly offers discounts on its products, including for existing customers. Keep an eye out for the latest deals on their website.
This provider offers a flexibility with its travel plans, with 6 cover types including 2 for domestic travel.
We compared 10 leading travel insurance brands and found that Virgin Travel Insurance offered comparatively limited seniors cover, with a maximum age of 74 on some of its policies (correct as of June 2021).
Review by our senior insurance writer James Martin
Virgin Money Australia has expanded its insurance portfolio and now offers comprehensive travel insurance plans for both domestic and international trips to suit a range of needs and budgets.
You can compare the features of various Virgin Travel Insurance policies by using the table below and get a free quote.
Virgin travel insurance is not currently available via Finder. You can head to the Virgin website or compare alternative options available below.
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Virgin Australia Airlines Pty Ltd, provider of Virgin Travel Insurance, is an authorised representative of AGA Assistance Australia Pty Ltd t/a Allianz Global Assistance. Travel insurance is underwritten by Allianz Australia Insurance Limited and issued and managed by Allianz Global Assistance.
Summary of Virgin Money's Comprehensive Cover policy
Overseas Medical and Hospital Expenses
Unlimited*
Cancellation and Amendment Fees
As selected
Luggage and Personal Effects
$10,000
Maximum Age Limit
All ages
Table updated August 2021 *Note: 'Unlimited' means that there's no capped dollar sum insured, however, other conditions and exclusions may still apply.
How can this page help me decide if Virgin Money Travel Insurance is right for me?
What cover options are available from Virgin and what exactly do they provide?
Whether you are a one-off or regular traveller, globetrotting around the world or keeping it local, you may be able to find suitable travel insurance cover with Virgin that you can more closely tailor with a range of extras.
If you are looking to secure a travel insurance plan for a single overseas trip, Virgin offers different levels of cover available to single travellers and family. For international travel, there are three cover levels that you can choose from:
Comprehensive
Essentials
Basic
How does each level of cover compare with another?
Benefit
Comprehensive Cover
Essentials Cover
Basic Cover
Overseas emergency medical assistance
Overseas emergency medical and hospital expenses
Accidental death
Permanent disability
Cancellation fees and lost deposits
As selected
Additional travel and accommodation expenses
Travel delay expenses
Alternative transport expenses
Travel documents, credit cards and cheques
Theft of cash
Loss of luggage and personal effects
Luggage and personal effect delay expenses
Personal liability
Rental vehicle excess
As selected
Table updated August 2021
2. Virgin Domestic Travel Insurance
Virgin Travel Insurance also provides comprehensive protection cover for applicants looking to take a trip locally in Australia. Going for a snowy adventure or hitting the golf clubs to practice your tee shot? You can take up additional sports cover to help protect yourself against loss or damage of sports equipment. Domestic cover from Virgin is available as a single or family plan.
What is covered under domestic travel insurance policies?
Benefit
Domestic Cover
Cancellation fees and lost deposits
As Selected
Additional travel and accommodation expenses
Loss of luggage and personal effects
Rental vehicle excess
As selected
Accidental death and personal liability
Table updated August 2021
3. Virgin Multi-Trip Travel Insurance
If you regularly travel overseas or locally, either for work or holiday purposes, you can take advantage of Virgin Multi-Trip insurance that provides cover for unlimited journeys within a 12-month period. Virgin Multi-Trip Travel Insurance cover is available as a single plan. However, if you take your spouse/de facto partner and/or children with you on these trips, they will be covered automatically.
What is covered under multi-trip travel insurance policies?
Benefits of Virgin Multi-Trip Travel Insurance for domestic and international cover include:
Looking for some extra cover for your trip? Additional options you may want to consider
With Virgin Travel Insurance, you have the flexibility to tailor your policy of choice with additional cover options. These options will incur additional premiums:
Option
Comprehensive
Essentials
Basic
Domestic
Multi-Trip
Own snow sport equipment
Snow sport equipment hire
Snow sport pack
Piste closure
Bad weather and avalanche closure
Cruise cover
Increased item limits
Standard excess
Table updated August 2021
What are the benefits and what are the drawbacks of Virgin Travel Insurance?
Benefits
24/7/365 Emergency Assistance. Virgin Travel Insurance is underwritten by Allianz who provide emergency assistance with Allianz Global Assistance.
Claims process is quick. With Virgin Money you can access guidance for the travel insurance claims process – you call it up and the claims team can guide you through the claims process.
Cooling off period. Virgin Travel insurance has a 14-day cooling-off period in case you change your mind or travel plans.
Drawbacks
No increased cover for expensive items. You cannot purchase increased cover for jewellery or Snow Sport Equipment.
No one-way policies. Virgin Travel Insurance only covers trips that start and end in Australia.
No already overseas option. You cannot take out cover after you have begun your trip.
Limited seniors cover. Some Virgin Money travel insurance policies have a maximum age of 74 for policyholders.
What is the maximum age I can still get travel cover?
Policy
Age
Comprehensive and Domestic
All ages
Essentials and Basic
74
Annual Multi Trip
74
Table updated August 2021
If something happens how do I make a claim?
You can make a claim by downloading a claim form and submitting your claim with the appropriate supporting documents
Required documents can include:
Police reports
Valuations
Medical reports
Original receipts or proof of purchase and ownership
Claims will generally take 30 days from when you return home to be processed.
FAQs about Virgin
Questions about applying
A. You are eligible for cover if:
You are an Australian resident.
You are taking out cover prior to the start of your journey.
Your trip begins and ends in Australia.
A. The age limits will vary depending on type of cover you are looking to apply for:
Single Comprehensive and Domestic – 16 years old and over
Multi-Trip and Basic – 16 to 74 years old
Essentials – 16 to 69 years old
A. You may want to take out Virgin Travel Insurance cover as soon as you put down a deposit or fully paid for your trip, or up to 12 months before your departure date.
A. Your policy will be active on the date you purchase your cover. You will receive an email confirmation and Certificate of Insurance after application.
Questions about cancelling policies
A. You can cancel your cover within the 14-day cooling off period and you will get a full refund of premiums paid. Conditions apply.
Questions about coverage
A. Virgin Travel Insurance Australia provides cover for pre-existing conditions specified on the policy. Conditions may apply depending on the nature of the condition.
A. No. For Australia, Virgin Money Travel Insurance only provides cover for trips that start and end in Australia.
Why choose Virgin for your trip?
Travel with one of Australia’s largest general insurance providers. Despite being a newcomer to the travel insurance market, Virgin Money Australia is one the nation’s leading financial institutions. Virgin Travel Insurance policies are underwritten by Allianz Australia, one of the largest travel insurance groups in the country.
Different options to suit many travellers. Virgin Travel Insurance has developed a variety of travel plans with features and benefits to suit different kinds of travellers and their needs. Looking for a basic cover? Virgin Travel Insurance offers Basic or Essentials cover for when you travel abroad. Want top level cover? The Comprehensive cover might be a suitable solution for overseas trips. Domestic travellers can also benefit from two levels of travel cover available through Virgin.
Tailor your policy to more ideally suit your needs. You can customise your travel protection plan by adding different options to suit your needs. Depending on the type of cover that you opt for, you can choose to add sports cover, get extra cover for your valuables and luggage, or increase your rental vehicle excess.
24/7 emergency assistance no matter where you are in the world. With the support from Allianz Global Assistance, you can benefit from global emergency assistance with access to doctors, nurses and support staff; available 24/7 to Virgin Travel Insurance policyholders.
14-day cooling off period. Once you have purchased your Virgin Money Travel Insurance policy, you have 14 days to be sure that you have made the right decision. You can cancel your cover within this period and you will receive a full refund as long as you have not commenced your trip or made a claim.
Cover for 36 pre-existing medical conditions at no extra cost. If you have a pre-existing medical condition, Virgin Travel Insurance provides cover for applicants with any one of the 36 listed on your policy at no extra cost. Virgin may offer full cover as long as you have not been admitted to a hospital for the elected condition in the 24 months prior to your policy’s commencement date. Some of the pre-existing medical conditions that Virgin travel insurance will cover include:
Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification.
Virgin offers high quality, affordable insurance policies for your travel needs. Discover deals and offers on Virgin Travel Insurance from finder.com.au.
I’m looking for travel insurance. I’m on a 12-month visa here in Australia and I’d like to get comprehensive insurance for 12 months to cover my trip to the US in April. Can I get insurance for all my stay here in Australia? I’m from Ireland and I’m 68 years, healthy no illnesses.
You must be a non-resident of Australia travelling to Australia for a temporary period and then returning to your home country
You must be under 81 years of age at the time the policy is issued (age limits vary between insurers)
Your trip must include travel within Australia
You must have purchased cover less than 12 months prior to arriving in Australia
Since you have arrived in Australia and considering getting travel insurance for your trip to the US in April, you can check some non-resident travel insurance. I suggest that you contact your chosen insurer directly to know your cover well before leaving for your trip.
I’m afraid you may not be qualified to get one from Virgin Travel Insurance. Their insurance is backed by Allianz and they require that your journey should commence and end in Australia. You may want to check travel insurance for Australian expats to check your options. The page also discusses the types of cover that may be available for expatriates, coverage FAQs, etc.
Hope this helps and don’t hesitate to contact us back if you require further assistance.
Based on the Product Disclosure Statement of Virgin Travel Insurance, there is coverage when it comes to natural disasters when the natural disaster will affect your mode of transport. You may want to refer to our guide to Virgin travel insurance to know which cover options are available.
We also have a dedicated page for travel Insurance for Indonesia. 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.
If you would like to make a claim with Virgin Travel Insurance, you will need to contact them directly or download a claim form from their website and submitting your claim with the appropriate supporting documents which includes police reports, valuations, medical reports, and original receipts or proof of purchase and ownership.
Please make sure to revisit the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a claim.
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Hi,
I’m looking for travel insurance. I’m on a 12-month visa here in Australia and I’d like to get comprehensive insurance for 12 months to cover my trip to the US in April. Can I get insurance for all my stay here in Australia? I’m from Ireland and I’m 68 years, healthy no illnesses.
Hi Anne,
Thank you for getting in touch with Finder.
General eligibility requirements for inbound travel insurance include:
Since you have arrived in Australia and considering getting travel insurance for your trip to the US in April, you can check some non-resident travel insurance. I suggest that you contact your chosen insurer directly to know your cover well before leaving for your trip.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
Can I book travel insurance outside of Australia? I am currently working in Japan then travelling to Thailand and UK. I am an Australian citizen.
Hi Andrew,
Thank you for reaching out to Finder.
I’m afraid you may not be qualified to get one from Virgin Travel Insurance. Their insurance is backed by Allianz and they require that your journey should commence and end in Australia. You may want to check travel insurance for Australian expats to check your options. The page also discusses the types of cover that may be available for expatriates, coverage FAQs, etc.
Hope this helps and don’t hesitate to contact us back if you require further assistance.
Kind Regards,
Mai
Hi, does this insurance cover cruises in Europe – italy/croatia/greece?
Hi Rosemary,
Thank you for leaving a question.
Yes, Italy, Croatia and Greece are covered by Virgin International Travel Insurance. Hope this helps!
Cheers,
Reggie
What about disaster insurance cover for Bali?
Hi Gary,
Thank you for your inquiry.
Based on the Product Disclosure Statement of Virgin Travel Insurance, there is coverage when it comes to natural disasters when the natural disaster will affect your mode of transport. You may want to refer to our guide to Virgin travel insurance to know which cover options are available.
We also have a dedicated page for travel Insurance for Indonesia. 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.
Cheers,
Reggie
I have cover 22/5 to 6/6 had slight accident left paperwork at home.can you provide claim number. Cut to eyebrow going to emergency hospital
Hi Shirley,
Thanks for your question.
If you would like to make a claim with Virgin Travel Insurance, you will need to contact them directly or download a claim form from their website and submitting your claim with the appropriate supporting documents which includes police reports, valuations, medical reports, and original receipts or proof of purchase and ownership.
Please make sure to revisit the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a claim.
I hope this was helpful,
Richard