Travel insurance for modern life

Need to extend your trip or add a destination to your policy? 



You can apply to make changes to your policy by logging in to your Huddle account. 



Cover terms apply. Please refer to the relevant PDS for more details.

We cover the 31 pre-existing medical conditions listed in the table below, as long as you meet the following criteria on the date you purchase your policy:


• you haven't been hospitalised or needed treatment for any of the listed conditions by any medical adviser in the last 12 months (unless a different time period is listed in below);
• you aren't under investigation for any of the listed conditions;
• you aren't awaiting investigation, surgery, treatment or procedures for any of the listed medical conditions; and
• your condition meets any relevant additional criteria listed in the table below.

The specified additional criteria (if any) apply, including any stated time periods related to these covered medical conditions listed in the table below, at the time your policy is purchased.

If you have a pre-existing medical condition when you purchase your policy that:

• isn't listed in the table above; or
• is listed in the table above, but at the date you purchase the policy, you don't meet the relevant criteria for it to be covered,

then you won't be covered for any claim that arises from the pre-existing medical condition. 
 


Terms, conditions, exclusions, limits and sub-limits apply. Please see the relevant PDS for more details

If you're planning on riding a motorcycle or moped overseas on your trip and want cover for participating in those activities, you'll need to purchase the optional Motorcycle/Moped Pack, available on International Comprehensive and Standard Plans only.

Adding the Motorcycle/Moped Pack doesn't add another policy benefit, but it extends cover under your policy to include claims that arise because of participating in riding a motorcycle or moped overseas on your trip, except for cover under Permanent disability and Personal liability.

Cover is provided under this Optional Extra pack only if:

• the motorcycle or moped is motorised and its engine capacity is 250cc or less;
• while in control of the motorcycle or moped, you hold an Australian motorcycle rider’s licence or an Australian motor vehicle driver’s licence valid for that class of motorcycle or moped being ridden, and a licence valid for the country that the motorcycle or moped is being ridden in;
• while you're a passenger, the driver in control of the motorcycle or moped holds a license valid for the country that the motorcycle or moped is being ridden in;
• you're wearing an appropriate safety helmet;
• you're not racing the motorcycle or moped; and
• you're not riding the motorcycle or moped in a professional capacity (for example, as a paid delivery driver).

If you're participating in riding a motorcycle or moped overseas on your trip and you haven't bought the Motorcyle/Moped Pack, there'll be no cover under the policy for any claims related to this activity.

Terms, conditions, exclusions, limits and sub-limits apply. Please refer to the relevant PDS for more details.

Going on a river cruise? Cover for river cruises are automatically covered included under your policy.

However, if you're planning on heading on an overnight or multi-night sea or ocean cruise within Australian territorial waters or while you are overseas, you'll need to purchase the optional Cruise Pack. The optional Cruise Pack is only available on International Comprehensive and Domestic Comprehensive plans.

Buying the Cruise Pack extends the cover under this policy’s benefits for claims arising from your cruise and adds some additional cruise-related benefits such as cover for Emergency medical cover while cruising including ship to shore evacuation cover, Cabin confinement and Missed shore excursions.

If you're going on an overnight or multi-night sea or ocean cruise while you're on your trip and you haven't bought the Cruise Pack, there'll be no cover under the policy for claims related to that cruise.

Terms, conditions, exclusions, limits and sub-limits apply. Please refer to the relevant PDS for more details.

If you're planning on participating in snow sport activities in Australia or overseas, you'll need to purchase the optional Snow Pack, available on International Standard, International Comprehensive and Domestic Comprehensive Plans only. Snow sport activities covered under the Snow Pack only include amateur skiing, snowboarding, sledding, tobogganing, or tubing conducted on groomed terrain, marked slopes or trails that are open, maintained and monitored within ski resort boundaries.

Buying the Snow Pack extends your cover under your policy to include claims that arise because of your participation in a snow sport activity including skiing or snowboarding, except for cover under Permanent disability and Personal liability. The Snow Pack also provides cover for additional snow-related benefits such as Cover for your own snow sport equipment, Snow sport equipment replacement hire and Piste closure.

Please note an additional excess of $500 plus your chosen basic excess applies to any claims made under Cancellation expenses or Additional expenses, which arise from or are in any way connected with you participating in snow sport activities.

If you're participating in a covered snow sport activity while you're on your trip and you haven't bought the Snow Pack, there'll be no cover under the policy for claims related to this activity.

There's also no cover under this policy, even if you have purchased the Snow Pack, for claims arising from or in any way connected to:

Terms, conditions, exclusions, limits and sub-limits apply. Please refer to the relevant PDS for more details.

Cancelling during your 14-day-cooling-off period



You have a 14-day cooling-off period once you buy your policy. If you decide that this policy is not right for you, you may cancel it within 14 days of purchasing your policy.

We will give you a full refund, provided:

• you have not started your trip; and
• you do not want to make a claim under your policy; and
• you do not want to exercise any other right under your policy.

In that case, your policy will be cancelled from the date the policy was issued, which means it will be as if you had no cover at all.

Cancellation after the cooling-off period

If you wish to cancel your policy more than 14 days after you purchased your policy and:

• you have not started your trip; and
• you do not want to make a claim under your policy; and
• you do not want to exercise any other right under your policy,

we will refund you 60% of the premium you paid. In this case, your policy will be cancelled from the date the cancellation is processed.

You can cancel your policy by logging in to your Huddle account or by booking an appointment to speak to one of our friendly team members.

Please see the relevant PDS for more details.

If you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (like COVID-19), and the diagnosis is certified by a medical adviser in writing, you may be able to claim for some benefits which are specified in the PDS. This includes the cancellation or rescheduling of your trip, or your medical expenses incurred overseas during your trip, due to this diagnosis. 



Except for this limited cover, cover for epidemics and pandemics are generally excluded under the policy. 



This means you will not be covered if you contracted the epidemic or pandemic sickness when you had travelled against an advice or warning by the Australian Government and didn't take appropriate action to avoid contracting the sickness, for example, by delaying travel to the country or part of the country referred to in the travel warning. 



Terms, conditions, exclusions, limits and sub-limits apply. Please refer to the relevant PDS for more details.