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Choosing travel insurance

Getting the right travel insurance is essential. The policy you take up needs to cover where you’re off to, and what you plan to do. To help you compare what’s what, take a look at the following points. They’ll set you on the right path.


It depends on your destination

Depending on where you're off to, the level of cover and the cost of travel insurance can vary. And if where you’re going is considered to be very risky (i.e. civil unrest, avian bird flu), you need to be aware you may not be covered for it. Visit our travel alerts page for more information or head to smartraveller.gov.au and get the facts about the region, then check if your policy will cover you for it.

And if you’re travelling through several countries, always make sure you get a policy that covers you for each and every one of them. Most policies cover you for stopovers less than 48 hours, but it’s best to double-check.


Cover what you plan to get up to

Not every trip is the same. Some involve more adventurous activities than others. If that sounds like you, you may need to choose an add-on to your standard travel insurance plan. For example, while abseiling off a mountain isn’t included in our regular policies, you’ll be covered if you purchase our Adventure Pack on top of your policy.

For more on this, take a look at our Adventure Pack, Cruise Pack and Snow Pack. If you're still unsure, simply get in touch with our friendly team. They’ll be happy to help. One more thing: no insurer anywhere will cover any claim if drugs and/or alcohol are the cause. So please, take care and take it easy.


Medical matters

If you have a pre-existing health issue, it's best to make sure you have it covered. We include coverage for a wide range of health conditions in our travel insurance. However, there are some that require assessment and possibly an extra premium. There are also those we won't cover under any circumstances. To find out more, visit our Pre-Existing Medical Conditions.


Value your valuables

Perhaps it’s your laptop. Maybe it’s your digital camera. Whatever it is, if you plan on travelling with valuables, it pays to protect them. Cover limits apply per item, so it’s important you take a look through our Product Disclosure Statement (PDS) to see exactly what you are, and aren’t, covered for. Don’t forget, you can choose to cover your valuables with our additional option for Increased Item Limits.

Spending money

Enjoy more spending money

It's always nice to have a little extra spending money. If you buy your Virgin Travel Insurance with a partner, you'll automatically receive our 5% ‘discount for duos’. And if you're a Virgin cardholder, simply pay for your Virgin Travel Insurance using your Virgin Credit Card, and you'll get a 5% discount off your premium. All of which leaves you more money to spend elsewhere.

Find the plan and price that suits you best
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Important stuff

See Product Disclosure Statement for terms, conditions, excesses, limits and exclusions that apply. This information is of a general nature only and does not take into account your personal financial situation, needs or objectives. Please consider the Product Disclosure Statement and Financial Services Guide before deciding whether to buy this product. If you purchase a policy, Virgin Money receives a commission which is a percentage of your premium – ask us for more details. View Privacy & Security information.

Virgin Travel Insurance promoted by Virgin Money (Australia) Pty Limited ABN 75 103 478 897, authorised representative No 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869. AGA Assistance Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance issues and manages Virgin Travel Insurance on behalf of the insurer, Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708.