Virgin Travel Insurance

At Virgin Money, we love travel and adventure. We also know that in life and travel things don’t always go to plan. While it’s easy to think “it won’t happen to me”, in reality lost passports, delayed luggage, trip disruptions and unexpected medical emergencies are all common hurdles on a traveller’s journey.

These surprises are rarely welcomed – especially when you’re away from home. So Virgin Travel Insurance can provide peace of mind that you’re covered should something go wrong while you’re travelling in Australia or the rest of the world. No matter what turn your trip takes, or how your adventure unfolds, we can help insure your travel stories along the way.

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Virgin Travel Insurance offers a great range of benefits that let you travel with peace of mind. It doesn’t matter where you’re going, or who you are flying with, we have you covered.

• Affordable quality cover

  Virgin Travel Insurance covers a range of situations including cancellations, overseas medical, luggage, accidents, personal items, travel documents, theft of cash, credit cards and more at a competitive price.

• Options for all travellers

  Whether you’re travelling on your own or with family, on a short domestic trip or long overseas adventure, you can choose a cover option to suit your travel needs. From Medical Only cover which provides cover for medical only benefits, to Essentials cover for common occurrences, or Comprehensive cover for top level protection. There is even a Frequent Traveller policy for those who take multiple trips throughout the year.

• Great ways to tailor your policy

  Customise your travel cover so it’s just right for you. Depending on the plan you select, you can choose to add Sports Cover, increase the cover limit on personal items and Rental Vehicle Cover or remove the standard excess. You’re in control and can build the policy to suit your travel plans and needs.

• 24/7 emergency assistance

  We’re there when you need us most. Through our partnership with Allianz Global Assistance, Virgin Travel Insurance provides overseas emergency medical assistance, 24 hours a day, 7 days a week, including access to a specialist team of doctors, registered nurses and support staff.

• Quick and easy claims

  Should you need to make a claim, simply call us on 1800 134 419. Once we’ve got you on the phone, we’ll then guide you through our quick and easy claims process. We'll either process your claim over the phone or, if more information is needed, let you know the next steps.

• Cover in minutes

  Get travel insurance cover in just a few minutes online or over the phone by calling 1800 134 419 (Mon-Fri 8am to 7pm, Sat 8am to 5pm AEST).

• Other great benefits

  • Kids under 21 receive complimentary cover when they travel with an insured parent⁺.
  • 14 day cooling off period, so you can be sure of your decision.

The type and amount of cover varies depending on the plan chosen. Terms, conditions and exclusions apply. Please read the Product Disclosure Statement for further information.

⁺ Cover provided for dependant children/grandchildren not in full time employment and less than 21 years old. Available on all single and family policies when travelling with a Virgin Travel Insurance insured adult parent/grandparent.

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The information above is a summary only. See our Product Disclosure Statement for all the details plus full terms, conditions and exclusions.

Additional Options

Sports Cover
When you travel, adventure and action is everywhere. If you’re planning a ski trip or a golf weekend, our optional Sports Cover provides cover for snow sports and golf activities. From avalanche closures due to bad weather or damaged equipment, take out cover for your next ski or golf trip in case things don’t go to plan. Sports cover is available as an optional extra on Comprehensive and Australia Only policies for an additional premium.

Rental Vehicle Excess
One of the best ways to explore a new place is by driving around by car. Virgin Travel Insurance provides Rental Vehicle Excess Cover if something happens to your rental vehicle while on the road. You’re covered for up to $3,000 on Comprehensive, Australia Only and Frequent Traveller policies. You can choose to increase this level of cover by increments of $1,000 for an additional premium up to the value of $8,000.

If you purchase an Essentials policy, Rental Vehicle Excess Cover is not included. However you can select to add this on for an extra cost. Rental Vehicle Excess cover is not available on the Medical Only plan.

This cover does not take the place of Rental Vehicle insurance and only provides cover for the excess component up to the applicable benefit limit.

Specified Luggage and Personal Effects
If you plan to travel with valuable items, it pays to protect them. With Virgin Travel Insurance, Luggage and Personal Effects are covered under Comprehensive, Essentials, Australia Only and Frequent Traveller policies. Cover limits apply per item so it’s important you know exactly what you are covered for by reading the PDS. Extra cover can be purchased for a specific item up to $5,000 by paying an additional premium.

You cannot purchase increased cover for jewellery or Snow Sport Equipment. There is no cover for bicycles or watercraft (other than surfboards) under the policy. These items must not be specified and cover will not be provided for them.

Removal of Standard Excess
All Virgin Travel Insurance policies (except Australia Only) have a standard excess of $150 built in. You can choose to remove this at the time of purchase, by paying an additional $35^{^}. It’s really up to you, and how you would prefer to customise your travel insurance policy.

^{^}Only available on Comprehensive, Essentials, Medical Only and Frequent Traveller

Before you Travel:

• Consider your travel insurance needs, ensuring adequate cover for your travel destination and plans - and make sure you’re familiar with the terms, conditions and exclusions of your travel policy.
• If you have, or have had, a medical condition, make sure:
  • you review the “Pre-existing medical conditions” section of the PDS so you know what you’re covered for. Virgin Travel Insurance provides cover for 36 pre-existing medical conditions at no extra cost, provided you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. You can view the list on pages 21 and 22 of the PDS.
  • you have a full check-up with your doctor before your trip
  • you have medication for your journey
  • check the medication you’re intending to travel with is allowed in all the places you intend to visit
• See your local doctor about any required or recommended vaccinations and make sure you allow plenty of time to get these done.
• Tell family members about your travel plans – and give someone at home copies of your itinerary and important travel documents (passport, visas, flight booking confirmations, travel insurance certificate, credit cards etc).
• Check www.smarttraveller.gov.au for travel advice and warnings before you book your travel and again before you depart. You can subscribe to receive updates about your destination. Don’t forget to register your travel and contact information online so that the government can contact you in case of an emergency.
• If you’re travelling overseas, make sure you have a current passport with at least 6 months validity from the date you plan to return home.
• Be sure to research and obtain all appropriate visas, including transit visas – visit dfat.gov.au/visas for help.
• Download the free Virgin Travel iPhone app from the app store. This is a good place to store all your important travel documents so you can access them on the go.

While you travel

• Take all reasonable precautions to safeguard your luggage and personal effects while you travel. Don’t leave them unsupervised in a public place at any time. Consider splitting cash, credit cards and travellers cheques in separate places in case of loss or theft.
• If you have Virgin Travel Insurance, print and keep our 24-hour Emergency Assistance number with you at all times while you’re travelling. It’s a good idea to store the number in your phone just in case you need us.
• Carry the originals and a printed copy of your itinerary and important travel documents (passport, visas, flight booking confirmations, travel insurance policy, credit cards etc) - but keep them in separate places in case you misplace one set.
• Research and respect the laws, customs and cultures of the places you visit.
• Think twice about how you keep in touch with friends and family. Email and social media are possibly easiest and least expensive. For phone calls, international roaming on your mobile is convenient but can be expensive. Consider a phone-card for calling overseas.

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Taking out Virgin Travel Insurance is quick and easy. You can apply online or over the phone on 1800 134 419 (8am-7pm Mon-Fri, 8am -5pm Sat, AEST) in just a few minutes. You’ll receive a welcome letter with your Certificate of Insurance and emergency contact numbers after applying.

We want you to be sure of your decision, so a 14 day cooling off period applies to all Virgin Travel Insurance policies. If you’re unhappy, you can cancel within the first 14 days for a full refund provided you haven't started your journey and you don't want to make a claim or to exercise any other right under the policy⁺.

⁺ Conditions apply. Please see the PDS for details.

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