Explore Travel Insurance

WAS travel insurance at a glance

  • 24/7 emergency assistance
  • Tailor your policy with flexible limits and optional covers
  • COVID-19 policy benefits for related medical expenses and cancellations
  • Underwritten by Pacific International Insurance and partnered with battleface Insurance Services

About WAS travel insurance

An Australian-based insurance provider, Wise and Silent (WAS) travel insurance provides customers with peace of mind for their journey so that they can focus on enjoying the trip overseas. Specialising in travel insurance, they provide flexibility when choosing your level of cover with a variety of benefits and optional covers.

What WAS travel insurance covers

With WAS travel insurance, you can choose between two different policies for the one that better matches your budget and your coverage needs. Your policy inclusions may vary between policies and optional extras, as seen below:

COVID Essentials

For essential coverage, WAS travel insurance’s basic COVID Essentials policy is a good option with the following benefits for your international trip (subject to exclusions and limits):

  • 24/7 emergency assistance
  • Unlimited emergency hospital expenses
  • Cover for emergency dental expenses
  • Emergency evacuation and repatriation
  • Cover for COVID-19-related cancellations, trip interruptions and travel agent fees


WAS travel insurance offers a more comprehensive level of cover if you’re looking for a policy that includes most of the benefits of a basic policy and more. With this policy, some inclusions will have flexible benefit limits for you to choose from; there are also optional covers you can add to your policy for further coverage. Besides medical expenses and airfare reimbursement, this policy includes cover for:

  • Cancellation or trip interruption (flexible limits)
  • Lost, stolen or damaged luggage and personal effects (flexible limits)
  • Travel delays and resumption costs
  • Personal liability expenses
  • Personal accident or permanent disability costs
  • Optional covers: Rental vehicle excess cover, snow sports cover, motorcycle cover, cruise cover.

Note: Not all benefits apply and will depend on whether you have selected them (and are reflected on your Certificate of Insurance). For the full list of inclusions, limits and sub-limits, check the Product Disclosure Statement (PDS) of your policy. The Target Market Determination (TMD) may also help you understand whether this cover is suitable for you. Information accurate as of March 2024.

Why choose WAS travel insurance?

WAS travel insurance understands that no two trips are the same, which is why the flexibility to choose benefit limits for some inclusions and optional add-ons can help you tailor your policy to suit your circumstances. WAS insurance policies also cover travellers up to 99 years of age, because they know your age doesn’t affect your sense of adventure.

With a wide range of benefits, expert support and financial protection against unexpected events, WAS travel insurance is an excellent choice for any international trip.

Frequently Asked Questions

Does WAS travel insurance cover pre-existing medical conditions?

If you have a pre-existing medical condition, you may be able to receive automatic coverage with your policy if it’s an approved condition as listed on the PDS and you meet the eligibility criteria. Claims related to any other pre-existing conditions are excluded from the policy.

When does my WAS travel insurance cover start?

Most of your travel insurance benefits will begin once you’re overseas and need to claim. If you have trip cancellation cover, you may have cover if an unforeseen event affects your trip before you can depart Australia and you need to cancel your plans.

How do I make a travel insurance claim with WAS insurance?

If you need to make a claim on your policy, you can submit a claim through the WAS insurance website or contact them via email or phone. Be sure to include any supporting documents that are relevant to your claim to help streamline the process.

For emergency claims or assistance, contact the relevant authorities and WAS insurance’s 24/7 phoneline on +61 2 8880 5820 (when overseas) or 02 8880 5820 (when in Australia).

What is the excess on WAS travel insurance?

WAS insurance doesn’t have a set excess amount; instead, you can choose how much you want your excess to be. However, be aware that while increasing your excess will lower your premium, you should always choose a manageable amount, as you may need to pay the excess amount each time you claim.

Does WAS travel insurance cover hire car excess?

Rental car excess cover is not automatically included. However, if you’re taking out a Discovery policy, you may be able to get rental car excess cover as an optional cover; this will increase the premium of your policy.

Compare your options today

Before heading out on your next adventure, why not compare your travel insurance options so you can travel with confidence.

Our travel insurance comparison service allows you to browse and compare from a range of Australian insurers – including Wise and Silent Insurance. In just a few minutes you can easily weigh up premiums, cover options, inclusions and exclusions all in one place.

Find out why it pays to compare today!

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