What is Travel Insurance?

Understanding travel insurance

Understanding travel insurance

Planning a trip? Whether you're exploring Australia's backyard or venturing overseas, you might consider travel insurance. Everyday Insurance offers a range of cover that could suit your needs. Read our guide to understand more about travel insurance.

Travel insurance can help protect you from unexpected events that might disrupt your trip, such as medical emergencies, trip cancellations, lost luggage, and more. Our plans offer cover for a range of situations, so you can relax and focus on your holiday.

Is travel insurance worth it?

Travel insurance can offer financial support for unforeseen events that might happen during your holiday. Whether it's worth it, depends on individual factors such as the cost of your trip, your destination, your health, your risk tolerance and more.

If you're investing a significant amount of money in your trip or have concerns about potential disruptions, travel insurance might be a product to consider.

When should I buy travel insurance?

Many travellers consider purchasing travel insurance soon after booking their trip. This may provide cover for pre-trip cancellations due to unforeseen circumstances.

What Travel Insurance policies does Everyday Insurance offer?

Everyday Travel Insurance offers a range of Domestic and International policies to suit your needs. The main difference between Domestic and International lies in the geographical coverage and the types of benefits offered.

Domestic Travel Insurance covers trips within Australia, while International Travel Insurance covers trips outside of Australia.

International Travel Insurance

Heading overseas? We offer a range of cover for your trip, from a short stay in Bali to a longer European adventure.

Find out more

Domestic Travel Insurance

Whether you're heading out for the weekend, or travelling around Australia, explore our range of cover for your local trip.

Find out more

Compare Travel Insurance

Not sure which cover best suits your needs? Compare our Travel Insurance cover options to find what you need.

Compare cover

Are pre-existing medical conditions covered?

Everyday Insurance can cover over 40 pre-existing medical conditions, provided certain criteria are met. If your condition is not automatically covered, you can apply to have it added as a specified medical condition (not available on all plans).

For full cover information, terms, conditions, limitations and exclusions please check the relevant Product Disclosure Statement.

What is covered?

Everyday Travel Insurance can cover a range of events, including:

Cancellation fees and lost deposits: If your trip is cancelled or interrupted for a covered reason.

Medical expenses: If you get sick or injured during your trip.

Luggage and personal effects: If your luggage is lost, stolen, or damaged.

Rental vehicle excess: If you have an accident in a rental car.

Additional expenses: If you incur additional costs due to a covered event, such as accommodation expenses if your flight is delayed.

International Travel Insurance

Here’s what our range of International Travel Insurance policies covers:

Benefits & limitations (Applicable benefits and limits are per adult)	Comprehensive	Standard	Basic	Frequent Traveller
Cancellation or holiday deferment costs^~	from $5,000 with option to increase limits	from $2,500 with option to increase limits	$2,500	from $10,000 with option to increase
Emergency travel & accommodation expenses	Unlimited	$15,000	$5,000	Unlimited
Overseas medical expenses^†	Unlimited for up to 12 months	Unlimited for up to 12 months	Unlimited for up to 12 months	Unlimited for up to 12 months
Medical evacuation	Unlimited	$500,000	$250,000	Unlimited
Travel delay	$2,000	$1,000		$2,000
Rental vehicle excess^~	from $5,000 with the option to increase limits	$2,000		from $5,000 with the option to increase limits
Luggage and personal effects^#	$12,000	$5,000	$2,000	$12,000
Accidental death	$25,000	$10,000		$25,000
Personal liability	$2,5000,000	$1,000,000	$1,000,0000	$2,5000,000
Coronavirus travel costs	$10,000			$7,500
Snow sport cover option	Available option			Available option

Domestic Travel Insurance

Here’s what our range of Domestic Travel Insurance policies covers:

Benefits & limitations (Applicable benefits and limits are per adult)	Comprehensive Domestic	Standard Domestic	Cancellation and Deposit
Cancellation or holiday deferment costs^~	from $3,000 with option to increase limits	from $1,200 with option to increase limits	from $500 with option to increase limits
Emergency travel & accommodation expenses	$10,000	$5,000	$2,000
Medical evacuation	$100,000	$50,000
Travel delay	$1,000	$500
Rental vehicle excess^~	from $5,000 with the option to increase limits	$2,000
Luggage and personal effects^#	$4,000	$2,000
Accidental death	$25,000	$10,000
Personal liability	$300,000
Coronavirus travel costs	$2,500
Snow sport cover option	Available option

How do I make a claim for my Everyday Travel Insurance policy?

The claims process will depend on the type of claim you're making. In general, you'll need to provide:

A completed claim form: you can do this online by logging into My Insurance Portal.

Supporting documentation: Such as medical reports, receipts, and police reports.

For more information about claims, visit the Travel Insurance make a claim page. For details on conditions, and what you should and should not do when you make a claim refer to the "Claim" section of the relevant PDS.

How do I get Travel Insurance?

Now that you know a bit more about different types of travel insurance, you might be looking at how to find some. Everyday Insurance offers a range of Domestic and International Travel Insurance policies to suit your needs.

Get a Travel Insurance quote online today

Get a quote

Why consider Everyday Travel Insurance from Woolworths?

24/7 Emergency Assistance

Our friendly Emergency Assistance team are here 24 hours a day, 7 days a week

Free cover for under 25s

Dependents under 25 receive free cover when travelling with an insured parent^>

No age limits

No age limits on Comprehensive or Frequent Traveller plans⁺

Making claim time easy

You can submit your claim online anywhere in the world through our online portal

Travel Insurance Info Hub

Guide to Travel Insurance and cruises

Find out more

What is Specified Items Cover?

Find out more

What is Rental Car Excess Option?

Find out more

Travel Destination Guides

Find out more

Important information

text: ^~This is a limit per policy; it is the most we’ll pay for all people on your Certificate of Insurance combined, per trip.

text: ^†For up to 12 months after the illness or injury first occurs.

text: ^# Sub-limits apply.

text: ^> Accompanying children are covered for free provided they are under 25 years old at the date you purchase your policy, are working less than 30 hours per week, are travelling with you on the same itinerary for your trip and are listed on your Certificate of Insurance.

text: ⁺ Subject to terms, conditions, limitations and exclusions. Benefit limit amounts vary by level of cover.

text: Woolworths Group Limited, ABN 88 000 014 675, AR 245476 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

What is travel insurance and how does it work?

Understanding travel insurance