Travel Insurance
A holiday can take months—or even years—to plan, but unexpected events can happen in an instant. Illness, injury, cancelled flights, lost luggage, disrupted travel arrangements or an overseas medical emergency can quickly turn an exciting journey into an expensive and stressful experience.
That is why travel insurance should be considered an important part of planning your holiday, rather than something left until the final few days before departure.
At Valhalla Travel, we can assist our clients with travel insurance options from established providers including nib Travel Insurance, Cover-More Travel Insurance, AussieTravelCover and Chubb Travel Insurance. Having access to different providers allows us to help you explore available options rather than assuming that one travel insurance policy will suit every traveller or every journey.
Finding Travel Insurance for Your Journey
Travel insurance can vary considerably between policies.
Depending on the policy selected, cover may be available for circumstances involving overseas medical expenses, cancellation or amendment costs, luggage and personal belongings, travel delays, rental vehicle excesses and other unexpected events.
However, benefits, limits, exclusions, excesses and eligibility requirements differ between insurers and policies. Your destination, age, length of journey, activities and any existing medical conditions may also affect the options available.
That is where having a travel professional to assist can be valuable.
Whether you're taking a family holiday to Fiji, skiing in Japan, cruising through Europe, joining an African safari, travelling to Antarctica or embarking on an extended multi-country itinerary, we can help you explore travel insurance options relevant to the type of journey you are planning.
When Should You Arrange Travel Insurance?
It is worth considering travel insurance as soon as you start committing money to your holiday.
Why? Because travel insurance isn't only about what might happen after you leave Australia. Depending on the policy and circumstances, cancellation cover may apply to certain insured events occurring before departure.
Leaving insurance until the day before you fly could therefore mean overlooking an important part of your overall travel planning.
What About Credit Card Travel Insurance?
Some travellers already have complimentary travel insurance associated with a credit card. That does not necessarily mean additional travel insurance is required—but it is important to understand exactly what your existing policy provides.
Check the eligibility and activation requirements, destinations covered, benefit limits, excesses, exclusions, medical provisions and maximum trip duration rather than assuming that holding the card automatically provides the cover you expect.
Four Established Travel Insurance Providers
Valhalla Travel can provide access to travel insurance products from nib Travel Insurance, Cover-More Travel Insurance, AussieTravelCover and Chubb Travel Insurance, allowing different options to be considered according to your circumstances and travel plans.
The objective isn't simply to have travel insurance.
It is to understand what you are purchasing and select a policy whose features and level of cover are appropriate for your particular journey.
Don't Leave Your Holiday to Chance
Talk to Valhalla Travel about travel insurance when you start planning your journey—not when you're packing your suitcase.
We can help you explore the available options alongside the flights, accommodation, cruises, touring and other arrangements that make up your holiday.
Terms, conditions, limits, exclusions and eligibility criteria apply. This information is general in nature and does not take into account your personal objectives, financial situation or needs. Please consider the relevant Product Disclosure Statement (PDS) before deciding whether a travel insurance product is appropriate for you.
Travel Insurance – Protect Your Journey Before You Leave
Travel Insurance FAQs
Yes, travel insurance can cover cruises, but the level of cover varies between insurers and policies, so it is important to check that the policy you select is appropriate for your particular cruise.
Depending on the policy, cruise travel insurance may provide cover for circumstances such as overseas medical expenses, cancellation or amendment costs, lost or delayed luggage and certain travel disruptions. Some policies may also offer cruise-specific benefits or require you to select additional cruise cover.
This is particularly important because medical treatment and evacuation from a cruise ship can be very different from receiving treatment while travelling on land. Your itinerary also matters. A Mediterranean cruise, an Australian coastal cruise and an expedition voyage to Antarctica can have very different insurance requirements and risks.
Before purchasing travel insurance for a cruise, consider the destinations and territorial waters visited, length of the cruise, pre- and post-cruise arrangements, activities or shore excursions, medical requirements and the value of your non-refundable travel arrangements.
At Valhalla Travel, we can provide access to travel insurance options from nib Travel Insurance, Cover-More Travel Insurance, AussieTravelCover and Chubb Travel Insurance and help you explore the available options alongside your cruise arrangements.
The important thing is not simply to have travel insurance—it is to make sure the policy you purchase provides the cover you need for the cruise you are actually taking.
Terms, conditions, limits, exclusions and eligibility criteria apply. Cruise cover and benefits vary between policies. Always read the relevant Product Disclosure Statement (PDS) and consider whether the product is appropriate for your circumstances.
Which travel insurance policy is best for me?
Does travel insurance cover cruises?
Ideally, you should consider purchasing travel insurance as soon as you start paying for your trip, particularly once you have made significant non-refundable deposits or payments.
The reason is simple: travel insurance isn't only designed to protect you while you are overseas. Depending on the policy you choose and the circumstances involved, cancellation cover may apply before your departure date if an insured event prevents you from travelling.
For example, if you book a major holiday six months in advance but wait until the week before departure to arrange travel insurance, you may have spent those intervening months without cancellation protection under that policy.
Buying earlier can also give you time to properly review the Product Disclosure Statement (PDS), understand applicable exclusions and benefit limits, declare relevant pre-existing medical conditions where required, and make sure the policy is suitable for activities you have planned, such as cruising, skiing or adventure travel.
At Valhalla Travel, we recommend discussing travel insurance as part of the initial holiday planning process rather than treating it as a last-minute addition. We can provide access to options from nib Travel Insurance, Cover-More Travel Insurance, AussieTravelCover and Chubb Travel Insurance, allowing you to consider the available products alongside your overall travel arrangements.
The simple rule: once you start spending money on your holiday, it is time to start thinking about travel insurance.
Terms, conditions, limits, exclusions and eligibility criteria apply. Always read the relevant PDS and consider whether the product is appropriate for your circumstances.
Do I need insurance if my credit card includes it?
Generally, travel insurance does not cover cancellation simply because you change your mind and no longer want to travel.
Cancellation benefits are usually designed to respond to specific insured events listed in the policy. Depending on the policy and circumstances, these might include certain unexpected illnesses or injuries, specified family emergencies or other unforeseen events that are covered under the Product Disclosure Statement (PDS).
For example, deciding that you would rather visit a different destination, becoming concerned about travelling without an insured event occurring, changing your personal plans, or simply deciding that you no longer want to take the holiday would not ordinarily be covered.
This is why it is important to understand the difference between “I need to cancel” and “I want to cancel.” Whether your particular reason for cancelling is covered will depend on the policy wording, exclusions and your individual circumstances.
At Valhalla Travel, we can provide access to travel insurance options from nib Travel Insurance, Cover-More Travel Insurance, AussieTravelCover and Chubb Travel Insurance. We recommend considering travel insurance when you begin committing money to your holiday and carefully reviewing the relevant PDS so you understand what is—and is not—covered.
Travel insurance is designed to protect against specified unexpected events, not simply a change of plans or change of mind.
Terms, conditions, limits, exclusions and eligibility criteria apply. Cover varies between insurers and policies. Always read the relevant PDS and consider whether the product is appropriate for your circumstances.
Does travel insurance cover change of mind?
Does travel insurance cover skiing?
What about pre-existing medical conditions?
Pre-existing medical conditions do not necessarily prevent you from obtaining travel insurance, but it is important to understand how your particular condition is treated by the insurer before purchasing a policy.
Some medical conditions may be automatically covered, subject to the policy's eligibility requirements. Other conditions may require you to complete a medical assessment, and an additional premium may apply if the insurer agrees to provide cover. In some circumstances, a particular medical condition may be excluded from cover altogether.
This is why you should provide accurate information when applying for travel insurance with a pre-existing medical condition. Depending on the insurer, this can include existing illnesses, previous diagnoses, ongoing treatment, medications, recent surgery or changes to your health.
It is also important not to assume that because you feel well, a condition is irrelevant. Each insurer has its own definitions, assessment process and policy terms.
At Valhalla Travel, we can provide access to travel insurance options from nib Travel Insurance, Cover-More Travel Insurance, AussieTravelCover and Chubb Travel Insurance. Where a medical assessment is required, the insurer will determine whether cover can be offered and whether any additional premium, conditions or exclusions apply.
For travellers with existing medical conditions, we recommend considering travel insurance early in the booking process, rather than leaving it until shortly before departure. This gives you more time to complete any required assessment and understand the cover available before your holiday begins.
The key is disclosure: answer the insurer's medical questions fully and accurately and make sure you understand whether your pre-existing medical condition is covered before you travel.
Terms, conditions, limits, exclusions and eligibility criteria apply. Medical cover varies between insurers and policies. Always read the relevant Product Disclosure Statement (PDS) and complete any required medical assessment before deciding whether a policy is appropriate for you.
Yes, travel insurance can cover skiing and snowboarding, but you should never assume that standard travel insurance automatically covers every snow sport or activity.
Depending on the insurer and policy, ski travel insurance may require you to select additional snow sports or winter sports cover. This can potentially provide benefits for certain skiing-related situations, such as medical treatment following an accident, ski equipment, piste closure or unused lift passes and lessons. The benefits available vary considerably between policies.
It is particularly important to check where and how you intend to ski. Resort skiing on marked pistes may be treated differently from off-piste skiing, backcountry skiing, ski touring, heli-skiing, competitive skiing or other higher-risk winter activities. Specific exclusions and conditions may apply.
Your destination also matters. A ski holiday in Japan, Canada, Europe, New Zealand or the United States can involve significant prepaid costs for accommodation, lift passes, equipment hire, lessons and transfers. Medical and evacuation costs following an accident can also be substantial, making appropriate travel insurance an important consideration when planning a ski holiday.
At Valhalla Travel, we can provide access to travel insurance options from nib Travel Insurance, Cover-More Travel Insurance, AussieTravelCover and Chubb Travel Insurance. If skiing or snowboarding forms part of your holiday, make sure this is considered when exploring your insurance options rather than simply purchasing a standard policy and assuming you are covered.
Tell your travel consultant what you plan to do on the mountain—not simply where you are going.
Terms, conditions, limits, exclusions and eligibility criteria apply. Ski and snow sports cover varies between insurers and policies and may require an additional premium or optional cover. Always read the relevant Product Disclosure Statement (PDS) and consider whether the policy is appropriate for your planned activities.
Does travel insurance cover me for damage to my rental car?
Travel insurance may provide cover for some situations involving political unrest, civil disturbance or changes to security conditions, but it is not automatically covered in every circumstance. What you can claim will depend on the event, when you purchased the policy, the government travel advice in place and the specific wording of your travel insurance policy.
If political unrest develops unexpectedly after you purchase your policy, certain resulting losses may potentially be covered if they fall within an insured event. However, policies commonly contain exclusions relating to events such as war, invasion, terrorism, civil unrest or travel to destinations subject to particular government warnings. The definitions and exclusions vary considerably between insurers.
Government travel advice is particularly important. Australian travellers should monitor Smartraveller, including its destination-specific advice and warning levels. Travelling to a destination against government advice can affect your insurance cover, depending on the policy and circumstances.
It is also important to understand that feeling uncomfortable about travelling is not necessarily an insured event. If your flights and accommodation are operating normally but you decide you would prefer not to travel because of developing political tensions, standard cancellation cover may not respond simply because you have changed your mind.
If unrest occurs while you are already overseas, contact your travel insurer's emergency assistance service as soon as practical. You should also follow advice from local authorities and Australian government travel advisories. Your insurer can explain what assistance and benefits may be available under your particular policy.
At Valhalla Travel, we can provide access to travel insurance options from nib Travel Insurance, Cover-More Travel Insurance, AussieTravelCover and Chubb Travel Insurance. We recommend arranging insurance early and understanding the policy before travelling, particularly when visiting regions where political or security conditions may change.
The timing matters: once political unrest or another major event becomes known or foreseeable, purchasing travel insurance afterwards will not necessarily provide cover for that event.
Terms, conditions, limits, exclusions and eligibility criteria apply. Cover for political unrest, civil disturbance, terrorism and government travel warnings varies between insurers and policies. Always refer to the relevant Product Disclosure Statement (PDS) and current Smartraveller advice.
How does travel insurance work in the event of political unrest?
Yes, some travel insurance policies can provide cover for a one-way trip, but not every policy or insurer is designed for travellers without a return ticket.
One-way travel insurance may be relevant if you are moving overseas, travelling indefinitely, beginning an extended working holiday or continuing your journey without a confirmed return date. The important consideration is where and when the policy defines your journey as ending.
Depending on the insurer and policy, cover might end when you reach your final destination, after a specified period, when you establish permanent residence overseas or under another condition defined in the Product Disclosure Statement (PDS). Some policies may also require you to be an Australian resident, commence your journey in Australia or meet other eligibility requirements.
If you are planning a one-way journey, make sure the insurer knows this before purchasing the policy. You should also consider the countries you will visit, how long you expect to travel, your activities, any pre-existing medical conditions and whether you may eventually require a separate insurance arrangement in your destination country.
At Valhalla Travel, we can provide access to travel insurance options from nib Travel Insurance, Cover-More Travel Insurance, AussieTravelCover and Chubb Travel Insurance. We can help you explore the available options, but eligibility and cover for a one-way journey will ultimately depend on the insurer and policy selected.
The key point: don't buy a standard return-trip policy and simply assume it will work for one-way travel. Check the journey definition, eligibility requirements and when your cover ends before you leave.
Terms, conditions, limits, exclusions and eligibility criteria apply. One-way travel cover varies between insurers and policies. Always read the relevant PDS and consider whether the product is appropriate for your circumstances.
Will travel insurance cover me for a one way trip?
Yes, some travel insurance policies can provide cover relating to a rental car, but it is important to understand exactly what that benefit covers. Travel insurance is generally not a replacement for comprehensive motor vehicle insurance on the rental car itself.
Many travel insurance policies include, or allow you to add, rental vehicle insurance excess cover. This may reimburse you for an excess or deductible that you become liable to pay to the rental company following covered accidental damage to or theft of the rental vehicle, subject to the policy's terms and benefit limits.
For example, if your rental agreement makes you liable for a $5,000 excess following an accident, an eligible travel insurance policy with sufficient rental vehicle excess cover may reimburse some or all of that amount after a valid claim.
However, exclusions can apply. Cover may be affected by the type of vehicle, where you drive it, whether you are appropriately licensed, who is driving, compliance with the rental agreement and the circumstances of the accident. Motorhomes, motorcycles, scooters, prestige vehicles and some other vehicle categories may be treated differently.
You should therefore check both the rental company's insurance arrangements and your travel insurance policy before collecting the vehicle.
At Valhalla Travel, we can provide access to travel insurance options from nib Travel Insurance, Cover-More Travel Insurance, AussieTravelCover and Chubb Travel Insurance. If car or motorhome rental forms part of your holiday, tell us when discussing your travel insurance so the relevant benefits and options can be considered.
The important distinction is that travel insurance may cover your rental vehicle excess—it does not necessarily insure the rental vehicle itself.
Terms, conditions, benefit limits, exclusions and eligibility criteria apply. Rental vehicle excess cover varies between insurers and policies. Always read the relevant Product Disclosure Statement (PDS), together with your vehicle rental agreement, and consider whether the cover is appropriate for your circumstances.
Does travel insurance cover me when I travel for business?
Yes, travel insurance can cover business travel, but the level of cover depends on the policy, the purpose of your trip and the activities you will undertake while travelling.
Many travel insurance policies can cover ordinary business trips, conferences, meetings and corporate travel, alongside the usual leisure components of a journey. Depending on the policy selected, benefits may include cover for certain overseas medical expenses, cancellation or amendment costs, travel delays and lost or damaged luggage.
However, it is important to check what the insurer considers business travel or work. Attending a conference or meeting with clients may be treated very differently from undertaking manual work, working on a construction site, operating machinery or participating in other higher-risk occupational activities. Exclusions or additional conditions may apply.
If you are carrying business equipment, such as laptops, cameras or specialist equipment, check the applicable benefit limits carefully. Standard luggage limits may not be sufficient for expensive professional equipment, and some policies may restrict or exclude items used primarily for business purposes.
Frequent business travellers may also want to consider whether an annual multi-trip travel insurance policy is more appropriate than purchasing a separate policy for every journey. Eligibility, maximum trip durations and permitted business activities will vary between policies.
At Valhalla Travel, we can provide access to travel insurance options from nib Travel Insurance, Cover-More Travel Insurance, AussieTravelCover and Chubb Travel Insurance. We can also assist with your broader business travel arrangements, including flights, accommodation, transfers and complex international itineraries.
The key is to tell us that you're travelling for business and what you'll actually be doing while you're away. That allows the relevant insurance options and policy conditions to be considered before you travel.
Terms, conditions, benefit limits, exclusions and eligibility criteria apply. Business travel cover varies between insurers and policies. Always read the relevant Product Disclosure Statement (PDS) and consider whether the policy is appropriate for your circumstances.
When should I buy travel insurance?
The best travel insurance policy depends on your individual circumstances, destination, trip length, activities, age, medical history and the level of cover you want. There is no single policy that is right for every traveller.
At Valhalla Travel, we can help you explore options from providers such as nib Travel Insurance, Cover-More Travel Insurance, AussieTravelCover and Chubb Travel Insurance. Depending on the policy, cover may include areas such as overseas medical expenses, cancellation or amendment costs, luggage and personal belongings, travel delays and rental vehicle excess.
Before purchasing, it is important to compare the benefit limits, exclusions, excesses, eligibility requirements and any applicable medical conditions or activity restrictions. You should also read the relevant Product Disclosure Statement (PDS) to make sure you understand what is and is not covered.
Our role is to help you navigate the available options and point you towards policies that may suit the type of trip you are taking, whether that is a cruise, ski holiday, family trip, multi-country itinerary or extended overseas journey.
Travel insurance should be selected based on your needs, not simply on price.
Not necessarily, but you should carefully check your credit card travel insurance before relying on it. Complimentary credit card travel insurance can provide valuable cover, but eligibility requirements, activation conditions, benefit limits, excesses and exclusions can vary significantly between cards and providers.
For example, some policies may require you to pay a certain amount of your trip using the eligible credit card before the insurance is activated. There may also be restrictions relating to trip duration, traveller age, pre-existing medical conditions, cruises, adventure activities, cancellation costs, rental vehicles and accompanying family members.
It is therefore worth comparing your credit card's travel insurance against the actual cost and circumstances of your holiday. A short domestic trip and a six-week international itinerary involving flights, cruises and expensive prepaid accommodation present very different considerations.
Before travelling, obtain the current Product Disclosure Statement (PDS) for your credit card insurance and confirm that you meet its eligibility and activation requirements. Pay particular attention to medical cover, cancellation limits, excesses and exclusions.
At Valhalla Travel, we can provide access to travel insurance options from nib Travel Insurance, Cover-More Travel Insurance, AussieTravelCover and Chubb Travel Insurance if you determine that your existing credit card cover does not meet your needs.
Having complimentary travel insurance and being adequately insured are not necessarily the same thing. Know what your credit card actually covers before you leave home.
Terms, conditions, limits, exclusions and eligibility criteria apply. This information is general in nature. Always review the relevant PDS and consider whether the insurance is appropriate for your circumstances.
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