pet insurance


11 Nov 2019

Understanding travel insurance


What is Travel Insurance?

Travel insurance protects you from costs that arise from unexpected events, such as theft, injury or illness.

There are different types of travel insurance policies available that will give you varied levels of covers. 

Woolworths Travel Insurance offers four different travel insurance policies, so you can choose the level of cover that’s right for you.


What does travel insurance cover me for?

What you're covered for depends on the level of travel insurance you have. 

Woolworths Travel Insurance has 4 policies that let you choose the level of cover that’s right for you and where you’ll be travelling to.

  • Saver Travel Insurance is designed to cover you for the bare essentials of your travel, including unlimited overseas medical and hospital expenses and limited cover for lost luggage and personal effects. 
  • Basic Travel Insurance provides you with all the benefits of Saver Travel Insurance, plus limited coverage for cancellation and amendment expenses. 
  • Comprehensive Travel Insurance covers you for all the same benefits as Basic Travel Insurance, plus extra protection, including higher limits, Rental Vehicle excess, and travel delay expenses.
  • Annual Multi-Trip Travel Insurance provides all the benefits of the Woolworths Comprehensive Insurance for trips up to 30 days at a time. You can make as many trips as you like within your period of cover, but you must not be away from Australia for more than 30 days during any one trip.

Am I covered by travel insurance on a cruise?

Yes. You can apply for any of the 4 Woolworths Travel Insurance policies for your cruise. When you're applying for travel insurance for your cruise it's important that you specify the destination of your cruise, as well as any ports you'll be stopping at. 

If your cruise is only travelling within Australia, you need to specify "Australian Cruise" as your destination.  If you select Australia as your destination instead of “Australian Cruise”, you won't be covered for any on-board medical expenses, any overseas medical expenses, or for the cost of any transfer to or repatriation from any overseas hospital.

Am I covered when I'm skiing?

You can add Snow Cover to your Woolworths Travel Insurance as a 'optional benefit'. Simply, add this when filling out your quote during the 'Cover options' section for an additional premium.

Compare the different levels of cover with the comparison table below:

Benefits Saver Basic Comprehensive Multi-trip
Children covered for free=
24/7 Overseas emergency medical assistance
Unlimited emergency medical and hospital expenses (Emergency dental treatment up to maximum amount of $500 per person)
Cancellation or amendment costs $5,000 $20,000 $20,000
Additional expenses which includes cover for trip disruption and trip resumption expenses $12,000 $12,000

Luggage and personal effects lost, stolen or damaged

  • Up to $3,000 for computers, video recorders or cameras
  • Up to $1,000 for mobile phones
  • Up to $750 for all other items
(No cover for laptops, tablets, phones, cameras and video cameras)
$5,000 $15,000 $15,000
Delayed luggage expenses
If your bags are delayed for more than 12 hours, we will pay up to $375 for essential items. If you still have not received your bags after 72 hours, we will again pay up to $375.
Up to $750 Up to $750
Cover for lost or stolen travel documents, credit cards & travellers cheques $5,000 $5,000
Theft of cash $250 $250
Rental Car excess $5,000 $5,000
Travel delay expenses
If your travel is delayed by over 6 hours, we will pay up to $200 per day for accommodation and meals.
Up to $2,000 Up to $2,000
Hospital cash allowance
$50 per day to cover the cost of miscellaneous expenses after you are hospitalised overseas for at least 48 hours.
Up to $5,000 Up to $5,000
Loss of income Up to $10,400
Maximum 26 weeks
Up to $10,400
Maximum 26 weeks
Permanent disability $25,000 $25,000
Accidental death $20,000 $20,000
Personal liability $1,000,000 $1,000,000 $3,000,000 $3,000,000
Optional benefits  
Recreational winter sports
$0 Excess

Above is a summary only. Terms, conditions, limits (including sub-limits) and exclusions apply as set out in the Product Disclosure Statement. You do not have cover under certain sections while travelling in Australia. Please refer to the Product Disclosure Statement for full details.

Is there a cooling off period?

So you can make sure you’re happy with your policy, you’ll have 14 days from the start date of your policy, to cancel. To cancel your policy, simply call 1300 10 1234.

Get covered while you travel

Managing your Travel Insurance policy

We'll send your Certificate of Insurance to your nominated email address, and will include details such as:

  • Policy number
  • Travellers insured
  • Period of insurance
  • Destinations you're insured for and excess amount (in the event of a claim)

You can also view your travel insurance policy details in My Insurance Portal.

How do I make a claim?

We know it can be stressful when it comes time to make a claim, so we've made the claims process as easy as possible. You can submit a claim in a few simple steps in the way that works for you.

Standard claim process

  • Submit your claim online
  • Download a clain form and mail it to us
  • Call our Claims Team on 1300 10 1234

Emergency claim while you're overseas

  • Call us 24/7 on +61 2 8883 7079
  • SMS +61 488 863 244
  • Email

Why pick Woolworths Travel Insurance?

around the clock assistance

24/7 Overseas emergency assistance

24 hours a day, 7 days a week – we’ve got your back around the clock

unlimited overseas medical expenses

Unlimited overseas emergency medical expenses

Travel with the comfort of knowing you’re covered, with emergency dental treatment up to $500 per person included

free travel insurance for kids

Free travel insurance for kids=

Dependants under 21 covered for free on all Woolworths Travel Insurance policies

domestic and international travel insurance

Domestic and international travel cover

If your destination is at least 200km from home, you’re covered whether in Australia, overseas or on a cruise


global roaming sim card

Stay in touch while you travel

Choose from Woolworths' easy to set up International Roaming options for your mobile, to stay connected while you’re overseas.

Choose the best cover for you

Choose the level of travel insurance cover that suits you and your destination.

Award winning Travel Insurance

Mozo Experts Choice 2018 winner for 'Exceptional Value Basic Travel Insurance'.

You might also like...

=Children and dependants under 21 covered for free when travelling with an insured adult.

Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. Cover is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL No. 241436 (Hollard). Woolworths Group Limited ABN 88 000 014 675 AR No. 245476 (Woolworths) acts as Hollard’s Authorised Representative. Any advice provided is general only and may not be right for you. Before you purchase this product you should carefully read the Product Disclosure Statement to decide if it is right for you.