Purchased the highest product for my trip well before COVID (October 2019). Prior to not being able to travel I had sought advice about what sort of cover I would receive in case of a pandemic - no help at all - they said just put in a claim. Due to Government travel advice I cancelled my trip. I only had to claim a small amount as I did a lot of work getting refunds and credits for six weeks of travel and accommodation. But they still refused my claim due to no cover for a pandemic. I found the product really does not cover you for anythi...ng. I wouldn't bother with this company again - for the simple fact they never intended on covering me. Their decision to not honour the policy was unfair. If the refuse a claim for around $600 they certainly won't bother with those poor souls who relied on this product to cover them and now found they have lost thousands. My advice - don't go near this company - seek alternatives.
This was the first and will be the last time I use this company, currently stuck overseas, what am I covered for, sorry we cannot help you this is clause blah blah, that being the case how did you continue to sell policies. The policy appeared to be fair value until asking for assistance, speechless and stranded. Thanks for nothing
The No Cover Insurance
Only pay for this insurance if you require NO COVER. Corona Virus is devastating. I paid for our insurance in September 2019 well prior to Corona hysteria. Of course a pandemic isnt covered. Our travel agent went broke. Of course insolvency isnt covered. This insurance company simply want your money with absolutely no intention to service or pay on claims that are completely out of our control. This is why one buys insurance. This has been a complete rip off. So disappointed.
We did not use this,policy price was excellent all done online very easy would say the cheapest I have found do not know what the claim process is like first time customer.
Ideal for short overseas trips
Easy to set up. Fortunately no need to make a claim. I have used this company twice. Once for me and my wife to Bali and now for my solo travel to India. Police to has good value for premium paid.
Best cheap insurance you can buy!
Cheapest quality insurance on the market.. Always sending emails and updates so your never miss anything. I will always choose the company as ive never had an issue with them!
Policy was good value
Policy was good value. Didn't have to use it so can't comment on the claim process.
Fast and easy to set up online at best price i found online.
Having to use words up here!
Covers everything necessary
It was easy to set up and decide which cover to choose! We had to make a claim due to airline cancelations and rebooking additional flights and we are in the process of getting our claim back! This is the first time we have used this insurance company and I'll definitely be using them for our next trip!
It's so rewarding knowing with peace of mind that in the unfortunate event something unforeseen happens while travelling
The process of going through the quote and ease of use was very good. The value of the policy was exceptional. This is our first time to try Online Travel Insurance and won't be the last.
Charged for nothing!
Tried to purchase online travel insurance, got to payments and there was an error message an tried again, tried several times, happened to check my balance later and saw that I’d been charged 10 times!! Now they are telling me 10 business days to return the money! They are thieves! Look elsewhere!!
Quick & Convenient Cover
This insurance cover was easy to review and complete online within minutes. Fortunately I didn't have to make a claim but it was good to know if something did go wrong there was backup.
Very bad customer service
My flight to Italy was cancelled a week before i was meant to fly. I sent an email to ask if i was eligible for a refund of the actual insurance as I wasnt travelling anymore. What it really upset me is not the not refund but to have been completely ignored. No reply, no call, no message
Great value for the money
I've used this company three times and think its great value. It was really easy to set up on line. Will definitely use again and recomend to family and friends when they travel
Hid that they weren't covering disruption caused by Corona Virus from the 31/01 onward
I feel tricked! When I brought travel insurance to Bali during the time of Volcanic activity the company made clear that they weren't covering this in their policy. Online Travel Insurance should have done the same with regards to Corona Virus rather than hiding in deep somewhere in their T&Cs . Very sneaky!
Felt peace of mind
I thought this policy was great value and so easy to sign up. Thankfully I’ve not had to make a claim, will certainly get a quote when I travel again.
Questions & Answers
I booked and paid for a holiday from company A. Their advertisement showed the number of nights in each city, but did not name the hotel we were to stay with. As it turns out company A engaged company B to lock in and paid for our accommodation. On paper, all good. However, company B went into liquidation, now company A wants us to bear the cost for new accommodation. Can this be right? Any advice will be greatly appreciated.
Hi Barry, give us a call on 1800 010 078 and we'd be happy to assist with any enquiries you have. Kind regards, Tegan
If we have to extend our stay because of a delayed or cancelled flight is the cost of extra night accomodation covered
Hi David, thanks for your query.
I have pasted the below information from the Product Disclosure Statement which I hope assists.
Section 3.2 Travel Delay Expenses
3.2.1 WHAT WE COVER
If a delay to your journey, for at least 6 hours, arises from circumstances outside your control, we will reimburse the cost of your reasonable additional meals and accommodation expenses.
We will pay up to $200 at the end of the initial 6 hour period. In addition we will pay up to $200 for each full 24 hour period that the delay continues beyond the initial 6 hour delay.
3.2.2 WHAT WE EXCLUDE
We will not pay if:
a] a delay to your journey arises from an act or threat of terrorism; or
b] your claim is caused by the financial collapse or insolvency of any service provider.
Of course terms, conditions, limits and exclusions apply to all policies so I would strongly encourage you to read the PDS (available here https://travel.onlinetravelinsurance.com.au/onlinetravelinsurance/File/Download?docType=PDS) to get a full understanding of what's covered and what's not.
I hope this has helped answer your question!
Kind regards, Tegan
does the policy include riding motorcycle?
Hi Phil, thanks for your question. Yes, motorcycle riding up to 250 cc is an automatically included activity, but of course restrictions apply. For bikes over 250 cc you can purchase an Adventure Pack for additional coverage. Exclusions apply to motorcycle riding for example if you are not wearing a helmet or do not hold a motorcycle licence. I would advise reading the PDS to understand all the terms, conditions, limits and exclusions that apply and see if the policy suits your needs. Hope this helps! Regards, Tegan
Get an answer from our members and Online Travel Insurance representatives
|Category||Travel Insurance||Travel Insurance||Travel Insurance||Travel Insurance|
|Maximum Age Covered||74 years old||74 years old||74 years old||74 years old|
|Overseas Emergency Assistance||Unlimited||Unlimited||Unlimited||Unlimited|
|Accidental Death||Not Included||Not Included||$15,000||$15,000|
|Pregnancy (max weeks)||Not Included||Not Included||24 weeks||24 weeks|
|Resumption of Journey||Not Included||Not Included||$3,000||$3,000|
|Hospital Cash Allowance||Not Included||Not Included||$50 per day, up to $5,000||$50 per day, up to $5,000|
|Overseas Emergency Medical & Hospital Expenses||Unlimited||Unlimited||Unlimited||Unlimited|
|Loss of Income||Not Included||Not Included||$10,400||$10,400|
|Permanent Disability||Not Included||Not Included||$15,000||$15,000|
|Luggage & Personal Effects|
|Theft of Cash||Not Included||Not Included||$250||$250|
|Delayed Luggage||Not Included||$250 after 12 hours||$500 after 12 hours||$500 after 12 hours|
|Credit Card Fraud||Not Included||Not Included||$5000 (combined with Travel Documents cover)||$5000 (combined with Travel Documents cover)|
|Travel Documents / Passport||Not Included||Not Included||$5,000 (combined with Credit Card Fraud cover)||$5,000 (combined with Credit Card Fraud cover)|
|Maximum Single Item Limit||Not Included||$3,000 (computers, video recorders, cameras), $1,000 (mobile phones), $750 (all other items)||$3,000 (computers, video recorders, cameras), $1,000 (mobile phones), $750 (all other items)||$3,000 (computers, video recorders, cameras), $1,000 (mobile phones), $750 (all other items)|
|Luggage & Personal Effects||Not Included||$5,000||$10,000||$10,000|
|Rental Vehicle Excess||Not Included||Optional, up to $10,000||Optional, up to $10,000||Optional, up to $10,000|
|Motorbike / Moped Coverage||Included up to 50cc||Included up to 50cc||Included up to 50cc, optional extra for greater engine capacities in Adventures Pack||Included up to 50cc, optional extra for greater engine capacities in Adventures Pack|
|Domestic Pet Care||Not Included||Not Included||Not Included||Not Included|
|Special Activities Packages|
|Cruise||Not Included||Not Included||Optional Extra||Optional Extra|
|Adventure||Not Included||Not Included||Optional Extra||Optional Extra|
|Snow / Ski||Not Included||Not Included||Optional Extra||Optional Extra|
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