FREQUENTLY ASKED QUESTIONS

How do I decide which plan is right for me?

An important decision, but first step back and make sure you evaluate the insurer and the product overall. Once you're happy that Simply Travel Insurance is the right fit for you, then you need to consider your personal and family situation before making a policy choice. For example, whether you or anyone in your family has any pre-existing medical conditions.

If you have no special needs, then you should weigh up where you are going, the kind of things you will be doing, and the kind of concerns you have regarding cover. If you want to save money, you can choose policies like Budget, or if you are more interested in having a flexible travel insurance policy the Frequent Traveller may be for you.

The three main elements to any travel insurance cover are luggage, cancellation and medical. What you need to do when evaluating our (or any other) policy, is look at the cover summary for each of the plans, and evaluate whether the cover limits meet your needs.

    

How do I decide the insurer is right for me?

What you do need to consider is the brand promise that an insurer makes, and any speciality that they may have. You need to understand that the brand that you buy (in our case Simply Travel Insurance) is provided in co-operation with an insurance company (in our case, Lloyd's).

When deciding what brand is right for you, look at any service history, and also look at the company's mission. In our case, we are committed to providing you, the consumer, with insurance solutions that are simple, clear and cost effective.

 

What is a pre-existing medical condition?

A Pre-Existing Medical Condition refers to any health condition known by you that may result in a claim under this policy.

Please read the full definition in the Product Disclosure Statement (PDS)

Across most insurance, you will find pre-existing medical conditions are excluded, however we cover a large list of them automatically, and others may be covered under certain plans by following our approval process (during which you may be required to pay an additional premium). 

Specific detail regarding your medical history will not be shared with us or any third party (except with your consent, in the circumstance that there is a medical incident while overseas).

Our online approval process is a simple self assessment, where you can find out if your condition(s) are covered free, covered for an additional premium or policy limitation, or not covered at all.     

 

How do I work out the regions I'm travelling to?

When obtaining a quote for a Frequent Traveller policy, use the list below to see what region you should select. If your trip fits into multiple categories, then you need to choose the highest on the list, for example, if your travel includes New Zealand, Thailand and America, choose Worldwide.

  • Worldwide: Abu Dhabi, Canada, Dubai, Hawaii, South Africa, USA
  • Europe:  France, Greece, Ireland, Italy, Spain, United Kingdom
  • Asia: Bali,China, Japan, Singapore, Thailand, Vietnam
  • Pacific:  Cook Islands, Fiji, New Zealand, Philippines, Samoa (American), New Caledonia
  • Australia:  Australia Only (Including Norfolk, Christmas and Cocos Islands)

 

What does excess mean?

An excess is sometimes also called the 'deductible' in other insurance, and refers to the amount that an insurer can first deduct before paying any claim. The standard excess for your Simply Travel Insurance policy is $200 and does not apply to all situations (refer to the cover summary). Simply Travel Insurance has a 'per incident' style of excess, as opposed to a 'per claim' type.  What this means is that unlike some insurers (who deduct the excess from each and every individual claim), we will only deduct the excess once for an incident, even if the incident has multiple individual claims expenses.

        

I'm going on an adventure holiday, what kind of activities do you cover?

All insurance policies have general exclusions, which are not covered under any circumstance. Please look through this list and make sure that there are no gaps or limitations in your coverage.

As a general rule of thumb, if an activity is deemed 'dangerous' or to have a 'risk of death or injury', it may not be covered, or there may be caveats limiting cover. Check out all the activities that are automatically covered in your policy. 

 

Why are you cheaper than some other insurers?

At Simply Travel Insurance, it is our mission to offer effective travel insurance solutions at reasonable prices.

Any company selling you insurance will take a margin or commission, which will cover their staff and operating costs, and ideally, profit. Some companies have higher overhead, or operating costs than others.

As an internet distributor, Simply Travel Insurance is able to keep those costs as low as possible. If you were to buy travel insurance from a retail travel agent, you may find that as much as (or more than) 50% of the premium you pay goes into the Agent's pocket as a commission.

Our margin will often be as low as 1% and never higher than 25%, that is why you will often find that our covers are cheaper.

This does not compromise the quality of the end insurance product, it is simply a side-effect of being able to provide you with cover via online booking, avoiding the costs of agents and agent commissions.

    

Why buy travel insurance?

Simple. Peace of mind.

Travel insurance may not be a physical product, but it is perhaps as important as flights, accommodation or anything else you might buy relating to your trip.

Obviously the greatest concern is medical emergency and being returned home safely – but travel insurance also covers your luggage, your cancellation fees and a significant range of other benefits.

Look at our products and you will soon begin to understand the significant benefit you can get from buying a travel insurance policy.

 

What are your policy age limits?

Our comprehensive policy is available to all people of any age.

It is important to understand that insurance is based around actuarial science (the likelihood and cost of claims across an entire business) and this likelihood is broken into segments. Age represents one of those segments. 

In addition to price loadings, travellers aged 80 years and over have limitations placed on their insurance.

Our Budget policy is only available to people aged 74 or under, and Frequent Traveller policies are only available to persons aged 64 years or younger.

 

What is a high value item?

Luggage and personal effects are covered under all plans, except for Budget travel insurance. However, individual limits apply to each item. You can purchase up to $5,000 of additional cover for high value items that are less than 12 months old. You can do this by listing each item and its value when you apply for cover. Please note that high value item cover is not available for jewellery, bicycles, watches and all watercraft (except for surfboards). 

 

 

QUOTE

Insurance products can be quite complicated, but don't be intimidated.

All you need is your dates of travel, each traveller’s age and your chosen destinations and we’ll provide you with a range of cover options to choose from.

COVER

Simply Travel Insurance is designed to offer you great options for a great price. We strive to make your choices as simple as possible, so you can focus on the fun part, travel.

Our policies are split into simple categories to fit different styles of travel.

PEACE OF MIND

Let us take the stress out of your next trip. Purchase a Simply Travel Insurance policy to be covered instantly for a range of benefits.

Enjoy the peace of mind of knowing your policy is underwritten by certain underwriters at Lloyd's.