Planning a holiday on a tight budget? Woolworths Basic Travel Insurance delivers an affordable policy with a solid level of cover
There are hidden costs lurking everywhere when you travel. Whether it is the extended insurance on your hire car, the overpriced food at the airport café or having to replace lost luggage. While some of those costs are unavoidable, you can help to minimise your financial losses.
No matter how far you’re travelling or for how long, you should take out travel insurance. Before you look at it as just another expense to avoid, consider Woolworths Basic Travel Insurance, which protects you with the following features:
- Unlimited cover for hospital and medical expenses while abroad
- Overseas 24 hour emergency assistance
- Cancellation and amendment fees
- Cover for luggage and personal belongings
Benefits Included with Basic Travel Insurance from Woolworths
Just because you are taking out the basic travel insurance cover option, it doesn’t mean you are missing out on any of the essential features. Woolworths provides you with an affordable insurance option, and still includes great benefits and cover, such as:
- Overseas emergency medical assistance. Woolworths provides you with unlimited cover in the event that you need to access specialist medical advice, or foreign hospitals. Your insurance also makes sure your loved ones and work colleagues are kept informed of your situation, and will arrange for medical transfers and repatriation if required.
- Overseas emergency medical and hospital expenses. Unlimited cover for overseas emergency dental hospital, ambulance, nursing, surgical and medical,
Cancellation fees and lost deposits. Basic Woolworths Travel Insurance provides a benefit of up to $5,000 to cover fees associated with your journey being rearranged or cancelled.
- Luggage and personal effects. The Basic cover level provides a benefit of up to $5,000 to repair or replace damaged, stolen or lost luggage and personal effects.
- Personal liability covers. You will be covered for up to $1 million personal legal liability under Woolworths Basic Travel Insurance, if your negligent act or omission causes bodily injury or damage to property or other persons. This feature excludes liability from your work, or if you were operating any vehicle.
- Free cover for dependent children. Any dependent children travelling with you are covered under your Woolworths Insurance for free. Dependent children are eligible for free cover when travelling with a parent, grandparent or guardian.
- Sports and leisure activities. Your Woolworths Basic Travel Insurance will cover you for most sports and leisure activities in your travels. However, it is a condition of your cover that you behave in a reasonable way to protect yourself when engaging in these activities.
- Itemise your valuables. You are covered for up to $4,000 for the loss of damage of your valuables, but you can also choose to individually list items of significant value on your policy.
- Cover for pre-existing medical conditions. You will not be covered by Woolworths Travel Insurance if you make a claim arising from pre existing medical conditions. A pre-existing condition is
- defined as a medical or dental condition that you:
- Are aware of
- Have symptoms of
- Are currently being treated or investigated for
Pre-existing medical conditions are also those that:
- You are taking prescribed medicine for
- Have undergone surgery for
- Have seen a medical specialist for.
- Pregnancy cover. Woolworths travel insurance is available for those who are pregnant if, you have a single and uncomplicated pregnancy, your pregnancy did not arise from IVF, your journey does not extend past your 26th week of pregnancy. Or if you have a multiple, uncomplicated pregnancy that was not the result of IVF, and you are not travelling past your 19th week of pregnancy. If you meet these specifications, you are covered for, overseas emergency medical assistance, overseas emergency medical and hospital expenses, cancellation fees and lost deposits, additional expenses, and a hospital cash allowance.
Like with most insurance policies, Woolworths Basic Travel Insurance does have some general exclusions. Woolworths Basic Travel Insurance will not cover you if:
- You behave in an irresponsible way that puts either yourself or your property in harm’s way
- You were aware prior to the purchasing of the policy that something would happen and result in your making a claim
- You are a party to or responsible for an illegal act
- You disregard any governmental warnings or directives
- The claim is the result of an act of war (whether declared or not),, insurrection, civil war, rebellion or military coup
- For nuclear war or contamination
- For chemical or biological contamination
- You are travelling against the advice of a medical practitioner, specialist or adviser
- The claim is the result of self harm, attempted suicide or suicide
- It involves the cost of medications prior to the beginning of the journey
- The claim is related to the policyholder suffering from stress, anxiety, depression, nervous or mental conditions
- The claim happened as a result of you either being under the influence of or addicted to any illicit drugs, prescription medication (which are being used in a manner other than prescribed by a medical practitioner) or alcohol
- The result of a sexually transmitted disease.
How to make a Woolworths Basic Travel Insurance claim
Making a claim with Woolworths Basic Travel Insurance is a simple process but there is certain information that you will need to provide them with, which includes:
- Documentation. You will be required to provide evidence in the form of medical or police reports, proof of ownership, original receipts or valuations, To save yourself time, make sure to get English copies of all the documents before submitting them as you may be asked to do so later.
- Evidence. You must provide as much supporting evidence as reasonably required by Woolworths Basic Travel Insurance.
- Dental/Hospital/Medical Claims. In the event of a medical emergency, you must notify the insurer as soon as is practically possible.
- Luggage. If your luggage is lost or damaged because of a transport operator, accommodation provider or airline you must report the damage or loss to the authorities in the first 24 hours. Alert your insurance provider if the transport operator, accommodation provider or airline has offered to make restitution for the items.
Who can apply for Woolworths Basic Travel Insurance
You can apply for basic travel insurance cover with Woolworths if:
- You are an Australian resident
- You purchase your travel insurance policy before you leave on your trip
- Your journey begins and ends in Australia
- You are under 79 years old at the time of purchasing your policy.