Whilst we do have ‘cruising’ destinations available for selection, these do not have to be selected. If the cruise only stops in one country, just select that country. If the cruise only visits stops within Australia, make sure you select the ‘Australian Cruise (Ocean)’ option and NOT just Australia. Please note that Everyday Domestic Travel Insurance does not cover ocean cruising but can be selected for land-locked (river) cruises.

If there is a ‘cruising’ option for the region (e.g. South Pacific cruise), select that region. If there is no option to select cruising, you should enter the names of each of the countries where the cruise will dock. For example, a cruise in Asia may include Singapore, Thailand, Vietnam and Malaysia (among other countries).

To submit a claim online, simply follow the below instructions:

Log into your My Insurance Portal account or create an account

• Access your Travel Insurance policy by clicking the Travel Portal tile
• Select "My Claims" and click on "Make a claim"
• Tell us what happened and the expenses you're claiming
• Check your email for relevant supporting documents to upload
• Submit your claim and our team will be in contact

There are any number of reasons people have to cancel their holidays, even at the last minute.

If you have to unexpectedly cancel your trip because of any one of the specific events listed in the PDS, Everyday Travel Insurance offers cover for the non-refundable costs of your trip and the travel agent cancellation fees, or the costs to rearrange your trip (provided the rearrangement cost is less than the amount you would have incurred had you cancelled your trip).

Where possible, you must obtain documentation from the airline carrier or tour operator that verifies a delay or cancellation took place and includes details such as the reason/s for the delay and length of delay.

Travel must be delayed by at least six hours to meet the criteria for all Everyday Travel Insurance policies. If you know you'll be stuck at the airport for more than six hours you should contact the airline carrier or tour operator in the first instance to seek a refund, credit, or some form of financial compensation or arrangement specific to your needs.

If you do need to submit a claim for a travel delay, you must contact us to submit your claim as soon as possible.

Coverage is included for Rental vehicle insurance excess on our Comprehensive, Standard, Frequent Traveller, Comprehensive Domestic and Standard Domestic plans, with an option to increase the cover limit for an additional premium on some plans.

Refer to the PDS for the full terms, conditions, limitations and exclusions that may apply.

If your bags or luggage items are stolen, you need to report the theft to the relevant authority (e.g. police, hotel, airline). While we understand that this can be a challenge in a country where you don't speak the language and payment may even be required, it is important you try to obtain as much documentation as possible at the time of the incident. You will need this evidence in order for your claim to be considered and it can be difficult to obtain some documents once you return to Australia.

Next, you'll need to submit a claim online via My Insurance Portal for your stolen goods along with all relevant documentation. If your claim is approved, we will, after allowing for wear, tear and depreciation, choose to pay or reimburse the cost of replacing your item or pay you its depreciated value.

Claims can take up to 10 working days to process once we have all the relevant documentation. Please refer to the PDS for the full policy terms, conditions, limitations and exclusions that may apply.