Travel Insurance


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Wherever you’re travelling, whatever your needs, TIO travel insurance has the range of options to provide the right travel cover for your budget, including:

Essentials

Cover for the most important thing on your overseas trip - your health.
Our Essentials travel insurance provides cover across some of the most common travel insurance benefits including overseas medical, cancellation and luggage.

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Comprehensive

Comprehensive cover, including overseas emergency medical assistance.
Comprehensive travel insurance provides Australians with cancellation, luggage, medical & repatriation cover when travelling internationally. Exclusions apply.

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Multi-trip

Great value plan for regular travellers. A 12-month policy that covers multiple business and leisure trips within Australia and overseas, offering all the benefits of our Comprehensive cover.
Trip duration that will cover your longest journey: 15, 30 or 45 days.

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Domestic

Complete cover for your domestic travel. Our Domestic travel insurance provides cover for travel delay expenses, cancellations, loss of or damage to luggage and personal effects. We also provide cover for a wide range of additional expenses.

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You can choose what cover suits your needs, including:

Single cover

Covers you and any dependent children or grandchildren under 25 travelling with you listed on your Certificate of Insurance.

Duo cover

Covers you and your travelling companion listed as covered on your Certificate of Insurance and intending to travel with you on your journey.

Duo Cover does not provide cover for dependent children. We issue one Certificate of Insurance. You are both covered as if you are each insured under separate policies with single cover benefits per insured person.

Family cover

Covers you and the members of your family travelling with you who are listed on your Certificate of Insurance.

The only members of your family who can be included are your spouse, your legally recognised de facto, your children and your grandchildren. However, all children and grandchildren must be Dependant and under 25.

TIO Travel Insurance is a great choice

Global reach and expertise

The Allianz Group** is a global leader in assistance services and has led the industry for over 50 years. Each year we help more than 700,000 people with illness and injuries while travelling.

Assistance 24 hours a day, 365 days a year

Overseas travel medical emergencies won't wait until the next business day. Our overseas emergency assistance helpline is available 24 hours a day, 365 days a year. Just phone us as soon as you need help and we’ll be there.

Reach, skills and expertise, wherever you are

Worldwide, the Allianz Group has over 500 doctors and medically trained employees operating in 34 countries. Supporting them is a global network of multilingual travel and medical assistance specialists, certified service providers and international correspondents.

We've got it covered

If you need emergency help, the last thing you want is to make phone call after phone call. With TIO, one call takes care of everything - claiming, emergency assistance, medical care, translators - just like that!

Purchasing a policy / general

You may purchase a travel insurance policy up to 12 months prior to your departure date.

For single trip cover Cover for Section 2.1 Cancellation Fees & Lost Deposits begins from the issue date shown on your Certificate of Insurance and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier. The cover for all other sections starts at the beginning of your journey or the start date shown on your Certificate of Insurance, whichever occurs later, and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier.

For multi-trip cover Cover for Section 2.1 Cancellation Fees & Lost Deposits begins on the start date shown on your Certificate of Insurance or the date you booked your journey, whichever is the later and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier. The cover for all other sections starts at the beginning of your journey or the start date shown on your Certificate of Insurance, whichever occurs later, and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier.

Please note: The maximum period for any one journey under the Multi-Trip Plan is shown on your Certificate of Insurance. You are not covered for any incident or event that arises outside of the maximum journey period you nominated.

No. Our policies can only be purchased before you commence your journey, while you are still in Australia.
Our travel insurance is designed for the leisure traveller and also business people travelling overseas for business purposes. It is not designed to cover events linked to employment overseas. Please refer to the General Exclusions Applicable to all Sections contained in the PDS. In particular General Exclusions A.7 which excludes claims arising directly or indirectly from, or in any way connected with, you engaging in manual work in conjunction with any profession, business or trade during your journey.
If you return home early, you do not get a refund. If you do not know how long you will be travelling for, you can buy a policy for a specific period you know you will be definitely away. Before your policy expires, you will need to contact us so that your policy can be extended, if possible, for an additional premium. Please note that some policies do not allow extensions. For restrictions and limitations, please refer to the Extension of Cover section in your PDS.

Pre-existing medical conditions

If you click 'Yes' to 'Pre-existing medical condition?', our online pre-existing medical assessment will take you through the process. You can also check the definition of pre-existing medical condition in the PDS to see if you have a pre-existing medical condition. If you are still unsure, please contact us on 131 846.
It depends on your condition(s), their severity and other related factors. The website will enable you to obtain a quote or alternatively you can contact us on 131 846 to find out the applicable premium.
If you have already purchased your travel insurance policy, then any new medical condition that arises after that date is not considered a pre-existing medical condition and you would not need to pay an additional premium, subject to the terms, conditions, exclusions and limitations listed in the PDS.

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