Everyday Travel Insurance from Woolworths.

Travel insurance usually offers a bundle of protections designed to safeguard your trip. Common coverage includes trip cancellation or interruption due to certain insured events (like illness or natural disasters), emergency medical expenses and evacuation, lost or delayed baggage, and travel delays. 

The specific events covered will depend on the policy you choose, so it's essential to review the policy details carefully to understand what's included. For example, some policies might offer coverage for pre-existing medical conditions or specific adventure activities, often as optional add-ons. Always check the Product Disclosure Statement (PDS) for specific inclusions and exclusions.  

The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement.

The cost of travel insurance varies significantly based on several factors, including the duration and destination of your trip, the age of the travellers, the level of coverage you select, and any optional add-ons you choose. 

For instance, a week-long trip to Europe for a family might cost more to insure than a weekend getaway within your state for an individual. 

Always read the Product Disclosure Statement (PDS) to understand what's covered.

While you might already have some health insurance coverage for domestic travel, travel insurance can still be beneficial. While Travel Insurance cannot cover medical expenses incurred within Australia, it may cover expenses that your standard health insurance may not, such as trip cancellations or interruptions due to covered reasons, lost or delayed baggage, and travel delays causing additional accommodation or meal costs. 

For example, if your flight is cancelled due to severe weather and you incur unexpected hotel expenses, travel insurance may help reimburse those costs. Carefully consider the potential risks associated with your trip and the limitations of your existing coverage to decide if domestic travel insurance is right for you.   

The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement.

The "best" travel insurance plan isn't one-size-fits-all; it depends entirely on your individual travel needs and preferences. Factors to consider include your destination (international or domestic), the length of your trip, your budget, your health conditions, and the types of activities you plan to participate in. 

Comparing different plans and their coverage details will help you identify the best option for your specific circumstances.   

While travel insurance offers broad protection, it's important to understand its limitations. 

Common exclusions often include losses resulting from pre-existing medical conditions (unless specifically covered), injuries sustained while participating in certain high-risk activities not included in the policy, financial defaults of travel suppliers (unless specific coverage is purchased), and losses due to civil unrest or acts of war (though some policies may offer limited coverage).

It's crucial to carefully read the "exclusions" section of your policy in the Product Disclosure Statement to be aware of what circumstances are not covered.

You could purchase your travel insurance policy as soon as you book your trip. This early purchase might help with things like cancellation coverage, safeguarding your prepaid, non-refundable travel expenses (like flights and accommodation) if certain insured events force you to cancel before your departure. 

For example, if you book your dream vacation to Europe today for next month and unexpectedly fall ill, having travel insurance purchased at the time of booking might help recover some of those costs.

Note that some policies might have waiting periods and exclusions. Always read the Product Disclosure Statement (PDS) to understand the full terms, conditions, limitations, and exclusions.

While the travel insurance offered as a perk with some credit cards can seem convenient, it's essential to understand its potential limitations. Often, this coverage requires you to have booked your entire trip using that specific credit card. Furthermore, the scope of protection offered by credit card travel insurance might be less comprehensive than a dedicated, standalone travel insurance policy. 

For instance, medical expense limits might be lower, or coverage for specific events like adventure activities or pre-existing medical conditions might be excluded. 

To understand the extent of your protection, carefully review the Product Disclosure Statement (PDS) provided by your credit card company. Comparing this coverage against the benefits of a dedicated travel insurance plan will help you determine if your credit card's offering adequately meets your travel needs and risk tolerance for your trip.

While some insurers might offer limited extension options, it's generally best practice to arrange sufficient travel insurance coverage for the entire duration of your trip before you leave home. Attempting to purchase a new policy or extend an existing one while traveling can come with restrictions, higher premiums, or even exclusions for events that may have already occurred. 

Planning ahead and securing adequate coverage upfront can provide continuous protection throughout your journey and avoids potential gaps in your insurance while you're away from home.

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

You can contact Everyday Travel Insurance from Woolworths via our phone number, 1300 10 1234. Our opening hours are Monday to Friday, 8:00am to 8:00pm (AEST/AEDT), except public holidays.

For emergency assistance, please refer to our 24/7 Travel Insurance Emergency Assistance page.

To make a claim, please visit the Everyday Travel Insurance make a claim page.