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Travel Insurance Direct Annual Multi-Trip review

Annual policy. Underwriter: NIB

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Cover score
Members only
Price score
Members only
Medical cover score
Members only
Cancellation cover score
Members only
Additional expense cover score
Members only
Baggage cover score
Members only

Description

Policy type
Annual
Provider
NIB

Conditions

Policy age limit
74
Dependant age limit
20

Annual multi-trip

Annual travel duration
35

Pre-existing conditions

Pre-existing conditions covered without application
Pre-existing conditions covered on application
Time period for existing conditions
6 months

Pregnancy

Pregnancy
Pregnancy stage covered
26 weeks
Childbirth costs

Medical

Medical expenses
Unlimited
Expenses for a person to accompany a sick policyholder
Unlimited
Daily hospital cash allowance
$50.00
Hours of hospitalisation before you receive the daily hospital cash allowance
48
Dental expenses for accident or injury
Unlimited
Dental expenses for acute pain
$1,000.00
Overseas funeral costs
$25,000.00

Additional expenses

Additional travel expenses for injury or sickness
Unlimited
Additional expenses for interrupted travel
Unlimited
Travel insurance extension for a delayed trip
Additional expenses for a lost passport
Additional expenses for a sick relative
Additional expenses for resumption of journey interrupted for a relative
$3,000.00

Cancellation

Cancellation covered
Cancellation expenses
Cover chosen
Cancellation for frequent flyer points
Cancellation expenses for travel agent fees
$2,000.00
Cancellation for insolvency of a travel agent
Cancellation for insolvency of a travel services provider
Cancellation expenses for redundancy
Cancellation expenses for defence and emergency workers
Cancellation expenses for cancellation of work leave

Baggage

Baggage cover
Baggage expenses
$12,000.00
Item limit
$700.00
Camera limit
$4,000.00
Laptop or tablet limit
$4,000.00
Smartphone limit
$700.00
Prescribed medications
$700.00
Baggage in a car during the day
$12,000.00
Baggage in a car overnight
$0.00
Valuables in a car
$0.00
Lost or stolen cash
$250.00
Baggage lost temporarily
$500.00
Hours before cover applies for baggage lost temporarily
10

Special event

Additional expenses for a special event
$2,000.00
Additional expenses for pre-paid travel arrangements
$0.00

Travel delay

Travel delay expenses
$2,000.00
Hours before travel delay covered
6
Limit per 24 hours for travel delay
$250.00

Car rental

Rental car excess
Limit for rental car excess
$6,000.00

Activities

Mopeds and motorcycles
  • Excludes mopeds with an engine capacity 125cc or below ridden without an Australian motorcylce license
  • Covered for motorcycles above 125cc with an Australian motorcycle license
Snow sports
  • Optional cover for snow sports on-piste and off-piste
Scuba diving
Abseiling
Bungee jumping
Hang gliding
High altitude hiking
Horse riding
Hot air ballooning
Kayaking
Paragliding
Tandem skydiving
White water rafting

Covered events

Transport incidents
  • Excludes cancellation and additional expenses for mechanical breakdowns
  • Includes cancellation and additional expenses for transport accident
Mental health
Yes (includes claims for mental health conditions experienced for the first time on the trip)
COVID-19
  • Includes medical and additional expenses for COVID-19
  • Cancellation expenses up to $2500 if the policy holder or a close relative contracts COVID-19
Pandemic
  • Includes medical expenses for pandemics other than COVID-19
  • Excludes cancellation and additional expenses for pandemics other than COVID-19
Natural disaster
Covered
Civil unrest
Covered
Terrorism
  • Excludes cancellation expenses for terrorism
  • Includes medical and additional expenses
War
Not covered

Cover summary

Medical expenses
Unlimited
Cancellation
Yes Cover chosen
Baggage
Yes 12000
Cruises
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Jodi Bird

Jodi Bird is the Managing Financial Content Editor at CHOICE. Previously at CHOICE, he worked as Travel project lead and as a Finance specialist. Jodi has extensive experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on CHOICE’s Australian Financial Services License.

Jodi Bird is the Managing Financial Content Editor at CHOICE. Previously at CHOICE, he worked as Travel project lead and as a Finance specialist. Jodi has extensive experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on CHOICE’s Australian Financial Services License.