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Travel Insurance

Protect your holiday investment, and yourself, when things go wrong

Medical emergencies overseas, cancelled flights, lost luggage, stolen passports, travel insurance protects you from the unexpected costs and chaos that can ruin your trip and drain your savings.

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What could go wrong

(and why you need this)

Holidays are meant to be relaxing until something goes wrong overseas. In countries with expensive healthcare, medical emergencies, cancelled flights, lost luggage, and stolen passports, what should be a minor inconvenience becomes a financial disaster. One emergency room visit in the US can cost more than your entire holiday, and Medicare doesn’t cover you overseas.

Scenario 1

The medical emergency in the US

You’re on a family holiday in California. Your child falls while hiking and breaks their arm. Emergency room visit, X-rays, cast, and specialist consultation. US medical bill: $12,000* . Your Medicare doesn’t cover overseas treatment. You’re paying with a credit card, and interest is mounting.

What Travel Insurance covers

Full medical costs, including hospital, specialists, and emergency treatment, plus additional accommodation if you need to extend your stay for medical reasons.

Scenario 2

The cancelled trip

You’ve booked a European holiday for your family, flights, hotels, tours, all non-refundable. Total: $18,000* . Two weeks before departure, you’re diagnosed with a serious illness and can’t travel. Your doctor advises you to cancel. You lose everything.

What Travel Insurance covers

All non-refundable costs when you cancel for covered reasons (serious illness, family emergency, jury duty, natural disaster at destination).

Scenario 3

The lost luggage

Your luggage doesn’t arrive at your destination. It’s lost for 5 days. You’re at a wedding, you need clothes, toiletries, and medication immediately. Emergency purchases: $1,200* . The airline offers $200*  compensation. You’re $1,000*  out of pocket.

What Travel Insurance covers

Emergency purchases while luggage is delayed, full replacement if permanently lost (up to policy limits), and compensation beyond airline limits.

Scenario 4

The stolen... everything

You’re pickpocketed in Europe. Passport, phone, wallet, cash, and camera were stolen. Replacement Australian passport: $330* . New phone: $1,400* . Emergency cash while you sort banking: $500* . Early return flights while you wait for a new passport: $2,800* .

What Travel Insurance covers

Emergency passport replacement, stolen belongings, emergency cash, additional accommodation and travel costs, 24/7 emergency assistance to help you navigate the chaos.

What this actually covers

Travel Insurance

Travel Insurance protects you and your family during holidays:

Medical cover:

  • Overseas medical and hospital costs
  • Emergency surgery and specialist treatment
  • Prescription medications
  • Emergency dental (accident-related)
  • Medical evacuation to Australia
  • Medical repatriation if seriously ill

Cancellation and interruption:

  • Trip cancellation before departure (for covered reasons)
  • Trip curtailment (cutting the trip short and coming home early)
  • Additional accommodation if you’re delayed
    Catch-up costs if you miss connections

Luggage and belongings:

  • Lost, stolen, or damaged luggage
  • Delayed luggage (emergency purchases)
  • Personal effects and valuables
  • Travel documents (passport replacement)
  • Money and cash (limited amounts)

Travel delays:

  • Accommodation if flights are cancelled or delayed
  • Meals and essential expenses
  • Alternative transport to reach the destination
  • Missed connections and rebooking costs

Personal liability:

  • Accidental injury to others during travel
  • Accidental damage to property (hotel rooms, rental cars)
  • Legal expenses if sued while travelling

Additional cover

  • 24/7 emergency assistance hotline
  • Rental car excess cover
  • Sporting and adventure activities (depends on policy)
  • Hijack and kidnap (some policies)
  • Natural disaster cover

What's typically not covered

  • Pre-existing medical conditions (unless declared and accepted)
  • Travel against government warnings (DFAT Do Not Travel areas)
  • Alcohol or drug-related incidents
  • Extreme sports or high-risk activities (unless covered)
  • Pandemics (check policy, some now include COVID-19, others exclude)
  • Claims from illegal activities

When you need this

For any personal travel

You need this every time you:

  • Travel overseas for holidays
  • Travel interstate for personal reasons (domestic cover available)
  • Take family holidays
  • Go on adventure trips
  • Travel with expensive equipment (cameras, laptops)
  • Have non-refundable bookings

Single trip vs annual:

  • One holiday per year? Buy a single trip.
  • Multiple trips? Annual multi-trip is a better value (covers unlimited trips under 30-60 days each).

Typical coverage

$5M+ medical, $10k-$20k cancellation, $10k luggage, rental car excess.

For families

Family policies:
Cover 2 adults and all dependent children under one policy, better value than individual policies.

Extended coverage for founders:
If you sometimes mix business and leisure travel, check if your Corporate Travel Insurance covers leisure extensions.

Talk to the Pocket team

Travel policies can be complicated, so it’s a good idea to check with the team to ensure your coverage is fit-for-purpose.

Common questions

Travellers actually ask

Can't I just use my credit card travel insurance?

Credit card insurance is basic and has significant limitations, including low medical limits, strict conditions, and may exclude pre-existing conditions entirely. Additionally, it often requires you to pay for the trip with the card itself. Don’t rely on it alone; get proper travel insurance.