Insider tips & FAQs

It’s well known that a lot of credit cards include “free travel insurance”, but there’s a few things you should check out before you go and just hope it will all be okay!

Yes, however for us, the distinction matters. We think holidays are meaningful events, so we designed our policies and the way we look after you to cater for ‘what really matters’…

Travel insurance is there to assist you if something unexpected happens that disrupts your holiday plans. However there are some things to look out for in travel insurance policies, and things you should know upfront before you buy…

You can’t plan for what you don’t know, but you can make sure that you have someone you can turn to for help. It’s a way of being prepared for the unknown so you don’t have to worry about all the “what if’s”…

You are covered from the moment you buy your holiday insurance policy. This means you are not just covered for your travel whilst you’re away, you’re also covered if an unexpected event means you have to cancel, or make changes to your holiday plans…

When you purchase holiday insurance, make sure you are covered for the correct dates. Enter the start date as the date you depart on your holiday. For the end date of insurance, make sure you enter the date you arrive back in Australia (in Australian time)…

When we say we cover each child (dependants travelling with you aged 17 years or under) that are listed on your policy for free – we mean they are covered individually, just like the adults…

No, we don’t offer annual travel insurance policies, or multi-trip policies.

As long as you intend to return, and are not planning to stay and live overseas…

We will cover up to 10 people on one policy, with a maximum of 6 adults. The only rule is that you must be all travelling together on the same itinerary, and any children listed must be dependants aged 17 years or under when you buy your policy.

If you are pregnant, please read this article carefully. It’s important for you to know and understand the conditions of our pregnancy cover.

It’s easy to get an instant quote, and to buy. If you’re unsure, here are all the steps so you know what to expect.

All Aussies, and although there are some “conditions” it’s easy, you only need to meet 3 conditions.

Sorry, we don’t offer insurance cover for your holiday once it’s already started. Find out more and what to look out for if you buy after you go.

Almost immediately after payment, however sometimes it can take a couple of minutes to clear email servers…

I’m over 50, is there anything else I need to know or do? No – you don’t have to do anything differently…

Because we don’t think you should be able to buy insurance for countries that we don’t cover…

If serious travel warnings apply to parts of a country, you can still buy a policy for that country. Just make sure that you only visit the areas that do not have a travel warning issued by the Australian Government of ‘Do not travel’ or ‘Reconsider your need to travel’…

This is all about your duty of disclosure, which as ‘legal duty’ might sound scary and full of insurance industry jargon, so to take some of the anxiety out of it, what it really means is…

Just enter a few more details after you get your intial quote to access the medical assessment, and find out what it will cost to cover your conditions before you buy…

Kids travelling on their own? You can apply for a guardian policy on their behalf. Find out what you need to do…

If you are pregnant, please read this article carefully. It’s important for you to know and understand the conditions of our pregnancy cover.

Any symptom or medical condition that you are aware of, or a reasonable person in your circumstances ought to have been aware of, before the start of your holiday, for which one (or more), of the following apply…

Unfortunately, undiagnosed symptoms can’t be covered. You have to know the name of your condition to complete a medical assessment. So if you have an undiagnosed symptom, you won’t be able to complete a medical assessment…

When you apply for a policy, we ask you a few questions about the health of each person. When you have answered them, we will ask you to complete a medical assessment if there is a condition we think you need to tell us about.

We offer cover for many pre-existing conditions for overseas trips. The best way to find out if we can cover your medical conditions, is to complete a simple online medical assessment. It’s fast and free to do, so no harm in checking it out!

Our online medical assessment can take under a minute to complete if you only have one condition to declare. If you have several, it’ll take a little longer but it’s a simple step-by-step process…

Sometimes we cannot offer cover for your medical conditions. This happens when your overall health risk is beyond what we are able to cover, or if we are unable to assess your full risk because there are undiagnosed symptoms…

If it’s not just an everyday cold, flu or tummy bug, you need to tell us about it. So if you see a doctor, specialist, or any medical professional, for a change in your health before you go on holiday, email us at hello@holidayrescue.com.au…  

Just enter a few more details after you get your intial quote to access the medical assessment, and find out what it will cost to cover your conditions before you buy…

We know finding good travel insurance cover when you’re pregnant is important. Here are some of our FAQs about what’s covered after your more than 20 weeks pregnant.

There is cover for severe weather events, such as a hurricane or flood that disrupts your holiday – but we won’t compensate you for a holiday if you were upset that it just rained a lot…

If you’re ever caught up in one, call our emergency hotline as soon as you are able…

Yes, as long as they are 17 years or under, and their names appear on your Certificate of Insurance – they are covered…

Yes, as long as you are travelling to attend a conference, meetings or to do office based work…

No, the medical cover we offer is for emergency medical treatment when you are overseas. However, if you are sick or injured in Australia, you’ll get medical care provided by Medicare, or your private health insurer…

Volcanoes are some of natures most destructive events. Find our more about what’s covered by travel insurance in the event of a volcanic eruption…

Find answers to these questions and more: What if we miss the boat from a shore excursion? What age do you limit cruise cover? What about pre-existing conditions? How do I get medical travel insurance for a domestic cruise?

Yes, we do. We cover you for skiing and snowboarding at a commercial ski field, provided you’re not trying to show-off too much by racing, or performing any acrobatics or stunts.

If your hire car is unexpectedly damaged or stolen, we’ll pay up to $5,000 for the excess fee you get charged by the hire company, or the repair costs…

If you’re travelling overseas with our Comprehensive policy, we do. There are some things you should be aware of though, like you need to take some care of your stuff!

Your holiday in Australia! With our domestic policy, you are covered for costs caused by unexpected events for the following types of claims…

If anyone named on your policy passes away while you’re on holiday, there is cover for funeral costs or to return their body home…

Sometimes bad stuff happens – and you can’t predict when it’s going to happen. The good news is that you’re covered for up to $50,000 per policy, for cancellation costs. So unless you’re cancelling an extensive round-the-world cruise, you’re unlikely to end up out of pocket…

If there’s an unexpected accident while you’re on holiday, and you’re liable, which means legally responsible, for causing injury or death, or for losing or damaging someone else’s property, there’s limited cover under our policy. Find out how it’s limited, and what you need to do…

We hope this doesn’t happen to you, but if you do become unexpectedly ill or you’re injured, there’s cover for emergency medical treatment, advice and medications, and to transfer you to an appropriate medical facility…

If you have a comprehensive policy, and your luggage is delayed, left behind or lost by your airline for more than 12 hours while you’re overseas…

If you are on your way to attend a concert, sporting event, wedding or funeral – you won’t want to miss it. That’s where this cover can make a difference…

If you suddenly get an intense or severe toothache that you weren’t expecting while you’re overseas, there is cover for you to get emergency dental care…

You are not covered to ride or drive a motorcycle, but there is some cover for mopeds and scooters – as long as you follow our rules! Find out what we cover and why…

The cost to replace passports, travel documents and bank cards if they are lost, damaged or stolen – as long as the cause was unexpected and outside of your control…

We know finding good travel insurance cover when you’re pregnant is important. Here are some of our FAQs about what’s covered after your more than 20 weeks pregnant.

We are reasonable people who travel just like you. But we need some documentation or proof that you owned your stuff, and that you actually travelled in the first place. So when you submit your claim, you can help us help you by proactively providing proof…

Sometimes the result of a claim doesn’t turn out how you expect, but don’t worry! You’re just a step away from submitting an appeal so we can take another look at your claim…

We’re not going to lie – it makes it much easier for us if you do have a receipt for any items you want to claim for. However, that doesn’t mean you can’t claim if you don’t have one…

This is what travel insurance is for! We’re here to help you, so call our emergency line for advice and assistance.

Maybe. It depends on what the circumstances were…

There is cover, but it may be limited in some cases. Here are some examples of situations we’d cover and how much they’d be covered for…

An excess is a fee deducted from the total we pay you, if your claim is successful. We charge a standard excess fee of $100 for each unexpected event that is the cause of a claim, but there is no excess fee on any medical or funeral claims…

We don’t require you to make all claims within 30 days, because we know life can get in the way sometimes…

No. No paper and no postage or courier packs required! You can scan them, or use your smartphone to take photos of your documents…

If your pregnancy was unexpected, or your doctor says you are not fit to travel…

Find out what you’re covered for if your hotel, resort or Airbnb unexpectedly cancels your accommodation booking.

You can make a claim anytime through the website. It usually takes between 5 and 12 minutes to complete. We recommend you check that you have all your documents saved and ready to upload before you start…

Yes, we can – as long as you tell us before your policy ends. As we don’t cover trips for longer than one year, you can’t extend past 365 days…

So if you decide you really want to stay on for a bit longer…

Easy, just follow these steps…

It’s easy, just click your way through to update your policy online…

Click through for a link to our easy to use request form, or email us – and we’ll sort it for you…

To cancel a policy, you must be the main policy holder. If you are…

Call our emergency assistance number! The nurses on the team will be able to listen to your problem, and either provide advice to you then and there, or, if they feel it is more serious…

This is what travel insurance is for! We’re here to help you, so call our emergency line for advice and assistance.

Report the theft to local police as soon as you can. If it happened at your accommodation, an event venue or if you’re travelling on scheduled transport, you need to report the theft to…

If you, or your family is in danger, try to stay calm and get out of the situation, or find a safer place to wait and call local emergency services. When help is on it’s way, or as soon as you can safely contact us – call our emergency hotline…

There is cover, but it may be limited in some cases. Here are some examples of situations we’d cover and how much they’d be covered for…

We do things differently, to make it better for you. Find out how – and why we care…

When it comes to general enquiries, we don’t have a phone number – but we’d still love to help you!

So choose your preferred style of communicating from the list below and we’ll look forward to hearing from you soon…

When it comes to general enquiries, we don’t have a phone number – but we’d still love to help you! You can chat with us…

Holiday Rescue is proud to be underwritten by Hollard. Allow us to introduce them.