travel insurance

Travel broadens the mind and enriches the soul … but don’t leave home without travel insurance.

It is sometimes said “If you can’t afford travel insurance, you can’t afford to travel.”

Perhaps an overstatement but stories abound of distraught Australians overseas ruing their decision to skip on travel insurance when faced with paying for medical expenses before being able to access treatment.

The unexpected happens to even the most careful traveler – whether an injury or medical emergency or simply theft or loss of bags and valuables.

While travel insurance goes some way towards offsetting the inconvenience and cost of emergency travel arrangements, cancellation costs, medical costs, loss of luggage, stolen possessions and so on, don’t be fooled by the glossy brochures proclaiming ‘unlimited cover’ and substantial sums for replacements. Unfortunately, the small print in the Product Disclosure Statement (PDS) is the ultimate determinant of what is and isn’t covered, and to what extent.

The PDS is hardly a great bedtime read but the details are important. Check with us to ensure that your insurance policy covers your planned activities; for example, snow sports.

Popular ‘gold credit cards’ can exclude activities as benign as canoeing, horse-riding, go-karting and even playing baseball! Even hiring a motorbike overseas can be a real issue if it is more than 200cc, you don’t hold a licence valid in that country or you are not wearing a helmet.

A 2013 survey of travel agents indicated that 94% of Australians understand the importance of travel insurance. Travelers are particularly concerned about adequate cover for overseas medical costs, repatriation and emergency assistance, and cancellation costs. These can be substantial costs so it is critically important that you understand the exemptions often found in the inferior travel insurance products.

How will you know that you have the right insurance at the right price? Simply talk to us.

what is travel insurance?

The term travel insurance is commonly used to describe several types of insurance that are generally packaged together, often with options to increase the level of cover for certain benefits or to adjust the minimum excess you are required to pay when claiming on your policy.

  • Travel Health Insurance covers medical and dental costs arising from accidents or injuries sustained while you are overseas (while travelling within Australia, these costs are covered by Medicare and your private health insurance)
  • Medical Evacuation Insurance covers transport to a major hospital for treatment – and if necessary, your return to Australia for treatment.
  • Trip Cancelation Insurance covers unexpected interruptions to your travel plans.
  • Baggage/Property Insurance covers theft or damage to your luggage and personal items while traveling.

types of travel insurance

We deal with several underwriters including QBE and Cover-More; they offer travel insurance cover for domestic travel, international, Australian and International (Annual MultiTrip) and Inbound travel insurance.

Following are several links to enable you to apply online but feel free to discuss with us any aspect of your proposed cover.


international travel insurance

If you are planning on travelling overseas, then QBE’s comprehensive International Plan may be what you need: QBE International Travel

  • Unlimited cover for overseas medical expenses
  • A range of existing medical conditions are automatically covered without application
  • Includes cover for accompanying financially dependent child /children under 25 years at no additional cost
  • Ski cover for New Zealand holidays is free.

australian travel insurance

If travelling within Australia, you can still insure some important parts of your trip, including lost or stolen luggage. QBE Australian Travel

  • For travelers who need cover within Australia including medical and dental expenses on board a cruise ship, evacuation, repatriation and cancellation.
  • Includes cover for accompanying financially dependent child/children under 25 years at no additional cost.

annual australian & international multitrip travel insurance

Insurance cover for unlimited trips within Australia and internationally, where each trip duration is less than 60 days, in a 12 month period. QBE Annual MultiTrip

  • If you are a frequent traveler within Australia and overseas, save time and the inconvenience of arranging separate insurance for each departure. You will likely find it is also cheaper.

“elements” (budget travel insurance)

Limited cover for single international trips. QBE Elements Travel Plan

  • For travellers aged under 65 who need cover for medical and dental expenses, medical and non-medical evacuation and repatriation, cancellation and additional expenses and other benefits for travel internationally.
  • “Elements” is a budget option for Australian residents under the age of 65 who do not have any existing medical conditions other than those automatically covered under the policy (ie. included in the PDS policy wording). It covers individuals – there is no cover for any accompanying children.
  • Please note that it does not cover any snow sports and if you are cruising for 4 or more consecutive days, you will need to apply for ‘comprehensive cover’ under an International Travel Plan.

australian cancellation

For travellers who need cover for cancellation or rearrangement costs, additional travel expenses, repatriation plus other benefits for travel within Australia. QBE Australian Cancellation

QBE emergency assistance & claims

QBE Assist comprises a team of trained medical and insurance specialists available 24 hours a day, 7 days a week and 365 days a year. It has full authority to act empowering them to act quickly and effectively in the event of an emergency:

QBE “comprehensive cover” policy
Ph. +61 3 8523 2800
Fax +61 3 8523 2815

QBE “Elements Travel Plan” (only available to residents of Australia under age 65)
Ph. +61 3 8523 2800
Fax +61 3 8523 2815

simple, fast and efficient claims service

Travel claims can be lodged 24/7, anytime from anywhere around the world. Claims can be lodged whilst you are away or on your return home. To make a travel claim, click here.

Qantas Frequent Flyer points – exclusive to QBE

Qantas Frequent Flyer members can earn 1 Qantas Frequent Flyer point per $2 spent on eligible

Travel Insurance products (terms and conditions).

Just as ‘oils ain’t oils’, travel insurance policies also differ …


API Insurance Services recognises that travellers’ needs differ which is why we offer options from several reputable travel insurance underwriters including Cover-More.

To review the Cover-More range of travel insurance options, click here.

Cover-More’s simple to follow online travel insurance quote system is simple to follow. Choose Single Trip or Annual MultiTrip with a choice of Excess and Benefits to adjust the premium to your budget.

Follow the prompts online to select additional cover options you may require , declare any existing medical conditions you may have (see heading Existing Medical Conditions below), then enter your contact details and payment and you are almost on your way.

If at any stage you require help, or even reassurance about the options you are considering, just call us.

Cover-More emergency assistance

As with any travel insurance cover, 24 hour emergency assistance is all important when you need it. Cover-More’s sister company, Customer Care is there for you. Not surprisingly, the majority of calls are from policyholders requiring medical treatment, payment of hospital bills and assistance when passports and travel documents are lost.


The easiest way to lodge a Cover-More claim is using their online claims tool but you can also discuss your claim with us and we can send you a claim form.

travel tips: prevention is always better than the cure …

  1. Copy your key documentation before you go – passport and visas, travel itinerary, tickets (including eTickets), travel insurance policy, vaccination and medication records, International Drivers Licence and credit cards. Stow one copy in your luggage and keep a second set in a safe place.
  2. Check the latest travel advices for the destinations you intend to visit. Visit the government’s Smart Traveller website at for specific travel warnings.
  3. Never skimp on travel insurance cover. Without the right cover, you are on your own – and that can be a lonely and expensive experience!
  4. Check with us to ensure that your insurance policy covers you for the activities you plan to undertake eg. snow sports, trekking/mountaineering with ropes. Indeed popular ‘gold credit cards’ can exclude activities as benign as canoeing, horse-riding, go-karting and even playing baseball!

existing medical conditions

Generally “Existing Medical Condition” means:

a. Any chronic or ongoing medical or dental condition, illness or disease of which you are aware or which has been medically documented or under investigation in the 12 months leading up to the issuing of your travel insurance policy; or

b. Any physical, mental illness or medical condition (including pregnancy), illness or disease of which you are aware, or for which treatment, medication, advice or investigation has been received or prescribed by a medical or dental advisor in the 60 days leading up to the issuing of your travel insurance policy.

Note: this abridged version in ‘plain English’ is designed to assist understanding of the importance of declaring existing medical conditions that might cause you problems should you need to subsequently claim on your travel insurance policy. Please refer to the Product Disclosure Statement for the full definition and the list of medical conditions that are automatically covered (and at no additional cost).

In particular, if you fail to declare that you or anyone in your travelling party included on your travel insurance policy has an existing medical condition other than those automatically covered (as listed in the PDS) then you will not be covered for any existing medical condition. If you are applying for an International Travel Plan and you are over 70, you need to talk to us regardless of your state of health.

who we deal with/policy wording

This material contains general information only and may not suit your particular circumstances. As with any insurance policy terms, conditions and acceptance criteria apply and cover limits apply as set out in the policy wording. Before deciding to acquire any insurance product, you should obtain and consider the relevant Product Disclosure Statement (PDS) to decide if a policy is right for you. To obtain a PDS from us, please call 08.81130999. API Traders Pty Ltd t/as API Insurance Services, ABN 59 007 847 305 is an Authorised Representative Referrer (No. 268680) of QBE Insurance (Australia) Limited (ABN 78 003 191 035 AFS License 239545) and Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713).


QBE logo

20% discount on all QBE travel insurance policies

CoverMore logo

20% discount on all Options Plans

QBE logo

QBE logo

Quantas logo

CoverMore logo