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Essentials travel Insurance

Essential travel insurance for the budget conscious traveller

Terms and conditions apply.

Essentials Plan travel insurance cover

Just because you're travelling on a budget doesn’t mean you should skip the travel insurance. In fact, trying to save by travelling without insurance could cost you a lot more in the long run.

Our no-frills Essentials Plan travel insurance can cover you for what’s most important — your health and safety. And all for a lot less than you might think.

For anyone who wants to make the most of their holiday dollar, but understands the importance of overseas emergency medical cover, our Over Fifty Insurance Essentials Plan may have an answer.

 

Key Essentials Plan travel insurance benefits

This is simply a summary of the benefits of an Essentials travel insurance policy. For full details, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

Benefit Single Duo (per person) Family Section
Overseas Emergency

Medical Assistance
unlimited unlimited unlimited 1.1
Overseas Emergency

Medical and Hospital

Expenses - Emergency Dental Expenses (per person)
unlimited - 

$1,000 (Dental)
unlimited - 

$1,000 (Dental)
unlimited - 

$1,000 (Dental)
1.2.1
Cancellation Fees & Lost Deposits $10,000 $10,000 $20,000 2.1
Additional Expenses $25,000 $25,000 $50,000 3.1
Travel Delay Expenses $2,000 $2,000 $4,000 3.2
Luggage and Personal Effects $3,000 $3,000 $6,000 4.1
Luggage and Personal Effects Delay Expenses $250 $250 $500 4.2
Rental Vehicle Insurance Excess $3,000 $3,000 $6,000 5.1
Personal Liability $2.5

million
$2.5

million
$2.5

million
6.1

 

Policy documents

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the PDS .

Why choose Over Fifty Insurance?

  • Over 50 insurance specialists

    As a specialist insurance provider for Australians over 50, we understand what it takes to deliver high quality service and insurance products.

  • Assistance 24 hours a day, 365 days a year

    Overseas travel medical emergencies won't wait until the next business day. Our overseas emergency assistance helpline is available 24 hours a day, 365 days a year. Just phone us as soon as you need help and we’ll be there.

  • Global reach and expertise

    We’re backed by Allianz Global Assistance. Supporting them is a global network of multilingual travel and medical assistance specialists, certified service providers and international correspondents.

  • We've got you covered

    If you need emergency help, the last thing you want is to make phone call after phone call. With Over Fifty Insurance, one call takes care of everything - claiming, emergency assistance, medical care and translators.

Overseas Travel Medical Assistance

Our travel cover is backed by one of the world’s leading medical assistance providers, Allianz Global Assistance because we understand that if you have a medical emergency when you're travelling, you want to be certain you receive the best care possible.

The emergency assistance helpline is available 24 hours a day, 365 days a year. All you need to do is call as soon as you need help.

Pre-existing medical conditions and purchasing a policy

  • How far in advance can I buy my travel insurance policy?

    You may purchase a travel insurance policy up to 12 months prior to your departure date.

     

    For single trip cover Cover for Section 2.1 Cancellation Fees & Lost Deposits begins from the issue date shown on your Certificate of Insurance and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier. The cover for all other sections starts at the beginning of your journey or the start date shown on your Certificate of Insurance, whichever occurs later, and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier.

     

    For multi-trip cover Cover for Section 2.1 Cancellation Fees & Lost Deposits begins on the start date shown on your Certificate of Insurance or the date you booked your journey, whichever is the later and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier. The cover for all other sections starts at the beginning of your journey or the start date shown on your Certificate of Insurance, whichever occurs later, and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier.

     

    Please note: Please note: There is a maximum period for any one journey under the Multi-Trip Plan. Please refer to the Travel Insurance Product Disclosure Statement for full details. You are not covered for any incident or event that arises outside of the maximum journey period you nominated.

  • I am currently overseas and have no insurance - can I still purchase a policy?

    No. Our policies can only be purchased before you commence your journey, while you are still in Australia.

  • Am I covered if I work overseas?

    Our travel insurance can be used for the leisure traveller and also business people travelling overseas for business purposes. It cannot be used to cover events linked to employment overseas. Please refer to the GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS contained in the PDS. In particular General Exclusions A.7 which excludes claims arising directly or indirectly from, or in any way connected with, you engaging in manual work in conjunction with any profession, business or trade during your journey.

  • If I return home early, do I get a refund?

    If you return home early, you do not get a refund. If you do not know how long you will be travelling for, you can buy a policy for a specific period you know you will be definitely away. Before your policy expires, you will need to contact us so that your policy can be extended, if possible, for an additional premium. Please note that some policies do not allow extensions. For restrictions and limitations, please refer to the EXTENSION OF COVER section in your PDS.

  • What do I do if I think I have a pre-existing medical condition?

    If you click 'Yes' to 'Pre-existing medical condition?', our online pre-existing medical assessment will take you through the process. You can also check the definition of pre-existing medical condition in the PDS to see if you have a pre-existing medical condition. If you are still unsure, please contact us on 1300 50 50 95.

  • How much does it cost to add cover for my pre-existing medical condition(s) to my travel insurance policy?

    It depends on your condition(s), their severity and other related factors. The website will enable you to obtain a quote or alternatively you can contact us to find out the applicable premium.

  • What happens if I purchase my travel insurance policy and a new medical condition develops? Would I need to pay an additional premium?

    If you have already purchased your travel insurance policy, then any new medical condition that arises after that date is not considered a pre-existing medical condition and you would not need to pay an additional premium, subject to the terms, conditions, exclusions and limitations listed in the PDS.

Next steps

Claims

Click here to submit a claim online. To submit a claim over the phone, call the 24/7 claims hotline on 1800 077 522 and one of our friendly consultants will assist you.