Today Travel Insuranz Review will look at the Australian popular travel insurance company that has been helping missions get to their travel destinations fear-free. Travel Insuranz is one of Australia’s best travel insurance companies that offers value for your money. In this article, we will explore Travel Insuranz review to help you determine if it is a good option. We will examine the types of Travel Insuranz policies and the optional add-on, exclusions, advantages, and disadvantages.
About Travel Insuranz
Travel Insuranz is a 100% Australian-owned travel insurance issued by Chase Underwriting Pty Ltd and Underwritten by specific underwriters at Lloyd’s. Over the years, Travel Insuranz has paid over $30 million in claims and has offered insurance coverage for more than 2 million travelers.
For security, Travel Insuranz uses industry-standard 128-bit SSL to encrypt data that keeps all your data and information entered on the server saved. Your credit card details are saved, and you don’t have to worry about risk.
It has an excellent customer service system that can be accessed 24/7. Additionally, it offers a 14-day money-back guarantee if you haven’t started your trip or made a claim. Furthermore, all documented claims are guaranteed to be paid within ten business days.
Types of Travel Insuranz Policy Covers
Travel Insuranz offers three major covers, and they are in levels. You can select from any. They are:
- Classic
- Premier and
- Deluxe
The cheapest is the Classic cover, and the price increases as you move from one level to another. Each successive level of the cover contains all the perks and benefits offered by the one before it, including additional benefits. Let’s check out the standard features of these insurance covers:
Common features of Travel Insuranz
Travel Insuranz insurance policies are designed to suit different types of travelers, and you can choose the one that best suits you. It can be with the Classic, Premier, or Deluxe insurance cover.
The general features are as follows:
- Covers personal money and loss of passport
- Covers overseas medical expenses
- Covers baggage and personal effects
- Covers cancellation fees, lost deposits, and curtailment
- Covers missed departure or connection
- Covers personal liability
Optional Add-on
The optional add-on cover on Travel Insuranz includes cruises, scooters, riding mopeds, and over 90 sports and activities.
Also, you can purchase an Annual Multi-Trip policy that covers snow sports for 23 days.
Travel Insurance Exclusions
One of the things you should look out for when choosing travel insurance in Australia is the areas that are not covered. In the Product Disclosure Statement (PDS) of Travel Insuranz, here are the general areas not covered by the insurance.
- Loss, damage, or expense from traveling to areas prohibited by the Australian government or areas the government advised not to visit.
- Mountain biking jumps or downhill (Competitive and non-competitive)
- Involving in riots or civil commotions
- Injuries or damages arising from climbing over, sitting on, bridge, or jumping over a balcony, ledge or wall, balcony railing, or cliff, regardless of the height
- Depression, stress, mental illness, or anxiety, unless diagnosed by a registered psychiatrist as a new condition
- Staying in the United States for over 364 days
- It was under the influence of alcohol or non-prescription drugs unless a doctor prescribed it.
Ensure you review Travel Insuranz’s PDS to get the full details of the areas not covered by the insurance.
Advantages
- Travel Insuranz offers a competitive rate of up to $10,000 if you’re forced to shorten your trip for domestic or international holidays.
- Travel Insuranz offers a handful of covers when you are overseas, one-way travel, and policy extensions while overseas.
Disadvantages
- Travelers above 70 are not covered by the Travel Insuranz insurance policy, unlike Insure, SCTI, and Go, which cover seniors above 100.
How To Make A Travel Insuranz Claim
Go to https://claimforms.gallagherbassett.com.au/travel/claim if you want to make a claim. The claim can be completed online. Follow the steps below to make a travel insuranz claim.
- Choose your claim type.
- Enter your policy number and your personal and contact details
- Complete all sections by answering all the questions, including details of the incident
- Upload any supporting evidence or documents
- Submit the application
After submission, your claim will be paid within ten business days. Additionally, Travel Insuranz has a 24-hour emergency service you can contact at +61 (0) 2 9312 5168 or assistance@fullertonhealth.com.au if you have any inquiries to make on your claim submission.
Is Travel Insuranz Good?
Yes, Travel Insuranz is good, and the policy stands out from others due to its flexibility. This helps you get a wide range of benefits that many other insurance providers charge extra.
With Travel Insuranz, you can purchase a policy or insure a one-way trip while you’re already overseas. Additionally, it offers unlimited overseas medical expenses and Covid-19 coverage, making it a good policy worth considering.
However, the policy is unsuitable if you are over 70 or have a mental illness. Travel Insuranz has some restrictions for older persons, making it unsuitable for them. You can always check other providers that offer proper coverage for older persons.
What is the Travel Insuranz Phone Number?
If you have an emergency or a complaint, you can always contact Travel Insuranz’s emergency assistance at +61 (0) 2 9312 5168 or its general claims department at +61 7 3005 1613.
Should I choose Single Trip or Annual Multi-Trip cover: Which is Better?
None is better than the other. It all depends on what your budget and needs are. Annual Multi-Trip cover is Single Trip cover with a domestic travel cover, added snow, and additional premium. The benefits and benefit amounts are the same whether you go for a Multi-Trip policy or a Single Trip.
Does Travel Insuranz Cover Cruises?
Yes, all Travel Insuranz travel insurance policies automatically cover cruises. Suppose you are traveling on domestic cruises within Australian waters. In that case, you can easily select your travel area as ‘Australia (Cruise)’ to ensure that a cover is available for emergency expenses and medical assistance.
Does Travel Insuranz Cover Skiing and Snowboarding?
Yes, Travel Insuranz covers snowboarding and skiing when you are traveling. To ensure you get covered, simply enter the dates when you want to partake in the sports and get a travel insurance quote.
Registering the dates will ensure you get covered for any medical expenses incurred while skiing or snowboarding. The annual multi-trip travel insurance gives you free coverage up to 23 times.
However, if you don’t know the dates you’ll be snowboarding or skiing, you can drop an email at the Travel Insuranz when you are sure of the date so the policy can cover it. If you don’t do that, your adventures activity of skiing and snowboarding will not be covered.
Does Travel Insuranz Cover Motorcycling?
Yes, Travel Insuranz covers motorcycling, but it is subject to the policy terms and conditions. The policy will cover you if you have a current Australian motorcycle license and are in control of a Motorcycle and or you are a passenger traveling on a Motorcycle that the person who controls it holds a current motorcycle license valid for the country you are traveling in.
Also, you will be covered if you have a current Australian motorcycle or driver’s license and are in control of a Scoter or you are a passenger traveling on a Scooter or Moped owned by a person who holds a current motorcycle or driver’s license valid for the country you are traveling in.
Does Travel Insuranz Cover Pre-existing Medical Conditions?
Yes, Travel Insuranz covers numerous pre-existing medical conditions without charging an extra premium. To get a pre-existing medical cover, you must enter your details online and complete the application by answering answer some simple questions about your medical condition and history.
You will be notified immediately if cover covers the pre-existing medical conditions or cannot. Sometimes, you might be asked to pay an additional premium for the extra pre-existing medical condition. However, it all depends on the type of medical condition.
How Much Does a Travel Insuranz Policy Cost?
Many factors determine how much a travel insurance policy will cost. Below are the factors that will be considered when calculating your travel insuranz policy.
- Your age
- The number of travelers that will be insured
- Your destination/where you’re traveling to
- The duration of your trip
- The type and level of cover you choose
- Additional add-ons, for example, winter sports.
These factors will be examined, and a quote will be determined and given to you based on your provided information. Ensure to enter accurate information and answer all questions correctly. You will need to choose the level of coverage you want, enter those insured, and your contact details. Your credit card payment will be processed online, and your certificate will be emailed.
Conclusion
Travel Insuranz is a good insurance policy that gives value to your money. However, it is not suitable for seniors above the age of 70. Carefully examine the Travel Insuranz review before concluding any decision. Also, you can contact their customer support for inquiries.
