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Almost everyone can find some kind of cover they may need with Zoom. Let's take a closer look.
Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘 Made a search before? Retrieve your search results
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| Overseas Medical and Hospital Expenses | Unlimited |
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| Cancellation and Amendment Fees | Unlimited |
| Luggage and Personal Effects | $7,500 |
| Maximum Age Limit | 85 |
Table updated June 2021
You can pick up domestic cover to travel in Australia, or select one of the other four cover levels for international trips. After that, simply add whichever optional extras you need and leave off the ones you don't. This way you aren't paying for cover you don't need.
| Feature | Medical Only | Standard | Comprehensive | Frequent Traveller | Domestic |
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| 24/7 emergency assistance |
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| Overseas emergency medical expenses |
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| Dental expenses |
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| Additional expenses |
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| Hospital cash allowance |
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| Accidental death |
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| Permanent disability |
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| Loss of income |
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| Cancellation fees, lost deposits |
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| Alternative transport |
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| Travel delay |
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| Luggage and personal effects |
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| Luggage delay expenses |
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| Travel documents and transaction cards |
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| Theft of cash |
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| Personal liability |
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| Rental vehicle insurance excess |
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Don't pay for cover you don't need. Simply add on the extra options as required.
| Feature | Comprehensive | Frequent Traveller | Domestic |
|---|---|---|---|
| Snow sports overseas emergency medical assistance |
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| Snow sports overseas medical expenses |
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| Dental expenses |
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| Own snow sport equipment | $1,500 | $1,500 | $1,500 |
| Snow sport equipment cover | $1,500 | $1,500 | $1,500 |
| Snow ski pack | $750 | $750 | $750 |
| Piste closure | $1,000 | $1,000 | $1,000 |
| Bad weather and avalanche closure | $750 | $750 | $750 |
| Feature | Standard | Comprehensive | Frequent Traveller | Domestic |
|---|---|---|---|---|
| Own golf equipment | $2,000 | $2,000 | $2,000 | $2,000 |
| Golf equipment hire | $1,500 | $1,500 | $1,500 | $1,500 |
| Golf green fees | $500 | $500 | $500 | $500 |
| Hole in one | $250 | $250 | $250 | $250 |
Bicycles aren't covered under personal effects cover and are only covered through this optional extra. However, accessories like helmets and pumps are covered by the core personal effects part of the policy.
| Feature | Comprehensive | Domestic | |
|---|---|---|---|
| Bicycles | Up to maximum of $15,000 | Up to maximum of $15,000 |
You must take this if you're going on an ocean cruise for two nights or more during your trip.
You can purchase additional cover for specific items, up to a total of $5,000. These items must be specified, but you cannot specify:
Bicycles can be specified, but you'll still need to purchase the Bicycle Cover extra.
You are automatically covered for a range of activities, but you'll need to add this optional extra to get covered for a wider range of riskier sports and adventure activities. This extra is not available with Medical Only cover. This pack covers you for trekking, contact sports, mountain biking, scuba diving, skydiving and more. Note that some conditions apply and you should check your PDS for more information.
This extra is not available with Medical Only cover and automatically included into the domestic plan with $5,000 cover limit. However, with the domestic plan, you have the option to increase the cover up to $8,000.
| Standard | Comprehensive | Frequent Traveller | Domestic |
|---|---|---|---|
| $5,000 or $8,000 | $5,000 or $8,000 | $5,000 or $8,000 |
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In order to make a claim you must:
You cannot claim for:
Unlike many other travel insurance providers, Zoom may still cover you if you're not an Australian resident. If you're in Australia on a 457 visa, or otherwise are not an Australian resident, you can get travel insurance with Zoom for trips around Australia or overseas. This will continue even after the abolition and replacement of 457 visa classes. Age limits apply, which vary between each cover type.
Special conditions for travellers age 80 to 85:
Zoom Travel Insurance automatically covers many pre-existing medical conditions but automatically declines to cover any others. Find a complete list of the pre-existing conditions covered in the PDS. Note that even the specified conditions are only covered if:
You can still take out cover with other pre-existing conditions but will not be covered for anything relating to that condition.
If you need to make a claim, the easiest way is to download a claim form online and email it to [email protected]. Alternatively, you can mail it to Travel Claims Centre, PO Box 10930, Brisbane, Adelaide Street QLD 4000. You need to submit your claim within 30 days of your return to Australia.
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I would like to know if I have an exemption to travel to Nepal that I can take cover out for my trip and it includes 6,000 metres and evacuation.
Hi Bethany,
Zoom Travel Insurance do cover hiking, trekking or tramping peaking at altitudes up to 6,000 metres – where specialist climbing equipment isn’t required. They also have medical evacuation coverage, which is included in some of their policies.
You may reach out to Zoom to discuss the type of cover that will suit your needs.
Don’t forget to check Australia and Nepal’s travel restrictions and exemptions ahead of your travel.
Regards,
James
If I have travel insurance for the 5 week duration of my travel does it cover cancellation of a course I am travelling to if cancelled before I depart?
Hi Kathryn,
Thanks for your inquiry.
Zoom covers Cancellation cover for their Standard, Comprehensive, Frequent Traveller, Domestic plans. If you have one of the 4 plans, you are covered for cancellation events. To be sure, check your policy carefully to see what you are convered for under cancellation and you can also speak to Zoom directly to check your policy as well.
Hope this clarifies!
Best,
Nikki