Zoom Travel Insurance has a dedicated team, available 24/7, ready to receive and handle your claim. You can submit a claim through the online portal or send the required documents via email to their claims department.
Alternatively, you can reach them by phone anywhere in Australia or around the world.
A standard excess applies to all Zoom Travel Insurance policies unless otherwise specified in the policy or your Certificate of Insurance. When purchasing your cover, you can choose to reduce the excess by paying a higher premium. Claims for certain medical conditions may also attract additional excesses.
Dependants aged under 19 will be included in your travel policy for free, provided they’re travelling with you for the whole trip and don’t also work full time.
Children won’t be covered for free if they’re:
If any of the above applies, your child will need to be listed as an adult on the policy.
Yes, Zoom Travel Insurance does cover your pre-existing medical conditions if you declare them on your policy and undergo a medical assessment. You may also need to pay an additional premium. If you don’t notify Zoom Travel Insurance of your medical condition, it may deny any resulting claims.
Zoom Travel Insurance doesn’t consider pregnancy a medical condition unless you’re currently pregnant and have experienced complications, or are planning an assisted pregnancy. If these conditions apply to you, you need to let Zoom Travel Insurance know before purchasing your policy.
Single pregnancies are covered up to 24 weeks gestation, while multiple-child pregnancies are covered up to 19 weeks. As always, ensure you read the policy’s terms and conditions for more information before travelling.
Zoom Travel Insurance automatically covers stopovers of less than 48 hours and in countries outside the US; if your stopover will last longer than 48 hours or is in the US, you’ll need to add these to your Certificate of Insurance for them to be covered.
Coverage for missed connecting flights may depend on your policy, and claims are assessed on a case-by-case basis.
For example, if your missed connection was caused by your earlier flight being delayed for reasons outside the airline’s control (e.g. weather, natural disasters, strikes), you could have a case for claiming. If, however, the reasons for the delay were within the airline’s control, your claim may not be accepted. The airline typically compensates you in these scenarios.
Typically, Zoom Travel Insurance’s basic and standard policies will cover travellers aged 79 and under, while the comprehensive and domestic policies cover those aged no older than 85 years. The annual multi-trip policy will usually only over people aged 69 years or younger.
Travellers who are 80-85 years old cannot be insured for a trip longer than six months and may attract an additional excess on medical-related claims.
You can cancel your Zoom Travel Insurance policy within 14 days of it being issued, so long as you haven’t begun your journey or made a claim. If you cancel within this 14-day cooling-off period, you’ll be fully refunded. If you cancel your policy after these 14 days, you will not be refunded.
You can cancel your policy by logging in to your policy online.