Travel insurance for Norfolk Island

Norfolk Island is a small island that sits in the Pacific Ocean off the coast of mainland Australia between New Caledonia and New Zealand. If you’re flying from Brisbane, it can take as little as two hours to reach this tropical paradise, or two and a half hours from Sydney.¹

It’s always a good idea to consider travel insurance for every trip you take. Since you’ll be visiting Norfolk Island either by plane or by cruise, having cancellation and delay cover in the event of flight cancellations or bad weather can help keep your trip on track.

But your domestic travel insurance won’t include medical cover, as you’ll still be covered by Medicare or your private health insurance on Norfolk Island.

It’s important to check the Product Disclosure Statement (PDS) for your policy to check exactly what you’re covered for. Check the Target Market Determination (TMD) to see whether a policy is right for you.

If you’re an Australian citizen there aren’t any passport or visa requirements to go to Norfolk Island. This is because, while it’s not connected to the mainland, it’s still considered a part of Australia. However, you will still need to bring photographic identification such as your Australian Driver’s License, Proof of Age card or Norfolk Island document of identity to visit.

If an event covered by your policy stops you from being able to attend pre-booked accommodation, tours and more, your policy may cover you for these types of trip cancellations and reimburse you for some of the costs of lost deposits or cancellation fees.

If you have any pre-existing medical conditions, you won’t be covered for medical expenses, but you may be covered for cancellation expenses relating to your conditions. If you’ve declared your medical conditions and your insurer has offered to cover them, you may be covered for cancellation costs if your condition causes you to have to cancel before, or partway through, your trip.

Travel delay cover can help cover some of the costs involved when your trip gets put on pause. For example, if bad weather conditions delay your return flight home and you need to pay additional expenses for extra accommodation, food or other essential items, you may be covered.

Luggage cover offers protection for your belongings in case they become damaged, lost or stolen while on holiday. This includes your travel documents, credit cards and even cash. It’s a good idea to have photos or receipts to support your claim.

While medical treatment isn’t covered under a domestic policy, you may still receive cover for accidental death or permanent disability if this occurs while you’re on holiday. You, or your estate, may receive a benefit amount to cover some of the expenses incurred in such an accident.

When you hire a rental car, you may need to pay the rental company an excess payment if the car is damaged or stolen. However, if your insurer offers it, you may be able purchase rental car excess cover as an optional extra to cover this cost, although some insurers may include it automatically.