Explore Travel Insurance

Zoom Travel Insurance at a glance

Zoom Travel Insurance has multiple levels of cover to choose from, as well as different extras to select, allowing you to tailor insurance for your trip. This Australian-owned insurer offers:

  • cover for frequent travellers and domestic trips
  • flexible and easy-to-understand policies
  • 24/7 worldwide emergency assistance
  • policies that are underwritten by Lloyd’s of London, the world’s largest insurance market.

About Zoom Travel Insurance

Based in Sydney, Zoom Travel Insurance was founded by the leaders of the online travel insurance industry in Australia, who’ve been innovating and selling these products for more than 20 years. Zoom Travel Insurance is a registered business of The Insurance Geeks and exclusively specialises in travel insurance, protecting Aussies for both domestic and international trips.

No matter where you’re headed, Zoom Travel Insurance offers reliable, good-value travel cover.

What does Zoom Travel Insurance cover?

Zoom Travel Insurance offers customers varying levels of cover, from basic to more comprehensive policies. Make sure you read the Product Disclosure Statement (PDS) carefully before purchasing a policy.

Basic

  • Unlimited overseas emergency medical expenses
  • Cover for dental expenses (e.g. a benefit of $500 for emergency dental fees)
  • Personal liability cover
  • Optional extra: Cruise cover (covers things like treatment onboard and medical evacuations; these may not be covered under your standard policy).

Standard

  • Unlimited overseas emergency medical expenses
  • Cover for dental expenses
  • Additional costs up to a limit (can be used in instances of travel cancellations because of family emergencies, resumption of journey after an incident and emergency companion cover [if your travel companion can’t continue the journey due to illness or injury and you stay behind with them])
  • Hospital cash allowance (an allowance for each you’re in hospital, provided your admission is more than 48 hours long)
  • Cover for cancellation fees and lost deposits
  • Benefits for luggage and personal effects
  • Cover for travel documents and cards
  • Personal liability cover
  • Optional extras: Cruise cover, adventure sports cover (to cover sports that are typically excluded, like abseiling and scuba diving), rental vehicle excess cover (covers the excess you have to pay if you’re involved in an incident while driving a rental car), golf cover (covers things like your personal golfing equipment and equipment hire)

Comprehensive

Zoom Travel Insurance’s Comprehensive plan offers more benefits and higher limits on some inclusions than the Standard or Basic plans:

  • unlimited overseas emergency medical expenses
  • cover for dental expenses
  • additional costs
  • hospital cash allowance
  • benefits for both accidental death and permanent disability (e.g. $25,000)
  • cover for income loss (up to a limit, e.g. $10,400)
  • unlimited cover for cancellation fees and lost deposits
  • cover for both alternative transport and delayed travel expenses
  • cover for luggage and personal effects, as well as delayed luggage expenses
  • cover for travel documents and cards
  • benefit for stolen cash (e.g. $250)
  • personal liability cover
  • optional extras: cruise cover, adventure sports cover, rental vehicle excess cover, snow sports cover (covers things like medical expenses and equipment hire for snow sports, which isn’t typically included in standard cover), golf cover, bicycle cover and valuable items cover (increased cover for specified personal items).

Domestic

Zoom Travel Insurance’s domestic policy does not include cover for any medical expenses, since Medicare and/or your private health insurance covers most expenses while you’re in Australia. Aside from this, Zoom Travel Insurance’s domestic policy typically offers:

  • additional costs
  • benefit for accidental death
  • unlimited cover for cancellation fees and lost deposits
  • cover for alternative transport expenses
  • cover for both delayed travel and delayed luggage expenses
  • personal liability cover
  • optional extras: cruise cover, adventure sports cover, rental vehicle excess cover, snow sports cover, golf cover, bicycle cover and valuable items cover.

Annual multi-trip

Annual multi-trip travel insurance covers you for multiple trips within 12 months. There is usually no limit on the number of trips you can take, but insurers may impose trip duration limits (e.g. 30 days for each trip) if you want cover. Be sure to check your PDS for restrictions and limitations.

Zoom Travel Insurance’s annual multi-trip policy typically provides:

  • unlimited overseas emergency medical expenses
  • cover for dental expenses
  • additional expenses
  • hospital cash allowance
  • cover for cancellation fees and lost deposits
  • cover for luggage and personal effects
  • cover for travel documents and cards
  • personal liability cover
  • optional extras: cruise cover, adventure sports cover, rental vehicle excess cover, snow sports cover, golf cover, valuable items cover

Frequently asked questions

How do I claim with Zoom Travel Insurance?

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.

Do I have to pay an excess when I claim on my policy?

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.

Does Zoom Travel Insurance cover my children too?

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:

  • travelling on their own
  • accompanied by someone who isn’t their parent or grandparent
  • working fulltime.

If any of the above applies, your child will need to be listed as an adult on the policy.

Does Zoom Travel Insurance cover pre-existing medical conditions and pregnancy?

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.

Does Zoom Travel Insurance cover stopovers and missed connecting flights?

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.

Does Zoom Travel Insurance cover seniors?

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.

How do I cancel my policy?

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.

Why choose Zoom Travel Insurance?

Zoom Travel Insurance understands your health and wellbeing are hugely important when you’re travelling.  For this reason, they’ve partnered with global medical assistance specialists, First Assistance, who offer emergency services worldwide. If you get into a precarious situation while overseas, help is just a phone call away – 24 hours a day, seven days a week.

When turning to Zoom Travel Insurance, you’ll have multiple, competitively priced cover plans to choose from, plus a range of optional extras to ensure your cover suits your trip. As such, you can select the cover options that best fit your travel needs.

Before you commit to buying travel insurance, make sure you read the Product Disclosure Statement (PDS) for each policy.

Compare your options today to find great-value cover

If you’re in the market for insurance for your next adventure, comparing your options is a great way to go. And you don’t have to go far to do so!

You can use our travel insurance comparison service to browse and compare from some of Australia’s biggest insurers – including Zoom Travel Insurance – in just a few minutes and at no cost to you! You can easily weigh up premiums, cover options, inclusions and exclusions in one place.

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