cota travel insurance pdf

Cota Travel Insurance Review 2024: Cost & Coverage

Cota (formerly known as Council on the Ageing) has been operating for more than 60 years and provides some of the best insurance products for Australians. One of these products is travel insurance.

Whether you want to go on a cruise or travel anywhere around the world their travel insurance is made to provide you with the right coverage needed for your trip.

Cota Travel Insurance is designed to provide peace of mind to elderly Australians or seniors while they travel. This policy offers reimbursement in case of any unexpected events during the trip, ensuring the well-being and safety of the policyholder.

In line with the lingering effect of the Coronavirus (COVID-19), if you are diagnosed with COVID-19 and have to cancel your trip, COTA may cover the cost of your travel and accommodation. The COVID-19 travel benefit can range from $2,500 to $10,000 or more depending on the plan you select.

Take a look at our review to learn more about Cota travel coverage and plans!

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What does Cota Travel Insurance cover?

Before committing to a quote, you might want to find out what Cota travel insurance covers to know if it features the important coverages you need for your trip.

Depending on the trip you are taking, Cota offers different travel insurance coverage options. Some of the plans also include optional extras.

Here’s a breakdown of the standard travel coverage you can get from Cota based on the plan you choose.

Medical Expenses: This coverage is available only on Cota international travel insurance plans. This will reimburse you if you become ill or injured when overseas. It will pay for the cost of your medical treatments, hospital stay, and even the cost of using the ambulance.

In addition to this, if you have emergency dental problems from tooth injuries or sudden pain, you will also get covered.

Medical Evacuation: This policy will cover the cost of evacuating you to any medical center and repatriation back home.

Cancellation: This will help reimburse you for prepaid travel expenses if you have to cancel your trip for a covered reason.

Room-service Supplement: Depending on your plan, you can get up to $50 per day for meals during travel in your hotel room or cruise ship if you are ill for more than 2 days.

Travel Delay: In the event that your flight is delayed you can get reimbursement up to $2,00 depending on your plan and limit.

Personal Liability: For injuries to people due to negligence or damage to their property, you can get personal liability cover starting at an average of $300,000 and up to $2,500,000 based on your plan.

Accidental Death: If you die within 12 months of an injury that occurred during your trip, your family will be compensated for your accidental death.

Excess for rental Vehicle Insurance: You will receive coverage for the rental vehicle insurance excess you are required to pay.

Emergency Assistance: You will receive a quick emergency response if you suffer any medical condition.

Also check: Is Airbnb Travel Insurance Worth It?

Travel insurance plans offered by Cota

Cota provides two types of travel insurance plans – International Travel Insurance and Domestic Travel Insurance for Australian residents. These plans are sub-grouped and have different benefits and coverage options.

Cota international travel plan is grouped into:

• Essentials Plan

Annual Multi Trip Plan

Comprehensive plan.

While the Dometic travel plan features:

Australian Travel Plan

Cancellation and additional expenses plan.

Here’s a quick rundown of these plans, their benefits, and policy limits.

International plans:

Essential Plan

If you’re a traveler who prefers basic coverage at an affordable price, the Essential plan is a good option. The plan provides cover for medical expenses, luggage cover, and passport cover due to loss.

However, the plan does not cover critical illness or injury, emergency travel expenses for friends or relatives, emergency accommodation due to terrorism, or COVID-19-related events.

The Essential plan is only available to residents of Australia up to the age of 69 and above.

Some plan benefits and limits:

• Unlimited cover for overseas medical expenses.
• Covers up to $5,000 and a limit of $50 for every 24 hours for medical compensation.
• Travel delay cover up to $1,000 and a limit of $250 per 24 hrs.
• $1,000 cover for replacements of passport and other documents.
• Covers up to $1,000,000 for personal liability.
• Includes a $2,000 excess for rental vehicle insurance.
• $15,000 coverage limit for emergency travel arrangements and accommodation expenses.
• Up to $500,000 for medical evacuation and repatriation back home.
• $10,000 cover for accidental death and up to $15,000 for burial expenses overseas.

This plan is suitable for those who travel multiple times during the year. With this policy, only adults are required to pay premiums, while their kids can get coverage without paying for a premium. It also includes cover for emergency accommodation due to terrorism.

During the 12-month period of insurance, you can take an unlimited number of trips, each with a maximum 45-day cap. Plan suspension is not possible.

Unlike the Essential plan, this policy is available for all Australians regardless of age.

• Unlimited coverage for overseas medical expenses.
• Hospital compensation coverage up to $8000 and a limit of $50 per 24 hrs.
• Travel delay cover up to $2,000 and a limit of $250 per 24 hrs.
• Dental expenses cover up to $1,000
• $3,000 cover for replacements of passport and other documents.
• Includes $2,500,000 for personal liability.
• Rental car excess up to $5,000.
• Will reimburse $3,000 and limit of $300 per day for emergency accommodation due to terrorism.
• Includes a $12,000 cover for luggage and personal items, $4,000 for electronics like PC, and camera, and up to $1,000 cover for smartphone loss or repair.
• $250 cover for stolen cash, and $1,667 per month due to income loss (max $10,000 total).
• $25,000 for accidental deaths and $25,000 for funeral expenses overseas.

Tied with Annual Multi Trip Plan, this plan offers more benefits for those traveling for up to 12 months. All residents of Australia are eligible for this plan with no age limits.

Note that you can only purchase this plan up to 12 months before your trip, and if you have any pre-existing medical conditions, you may be subject to screening.

• You will receive unlimited coverage for overseas medical expenses.
• $50 per day for hospital compensation (max $8,000 total).
• Cover up to $500 for meals with a limit of $75 per day.
• Cover up to $2,000 and a limit of $250 per 24 hrs for travel delay.
• Includes rental car excess up to $5,000
• You will receive reimbursement of up to $12,000 for lost luggage and personal items, $4,000 for electronics like PCs and cameras, and up to $1,000 cover for smartphone loss or repair.
• Coronavirus travel costs up to $10,000.
• Reimbursement up to $250 for stolen cash, and $1,667 per month due to income loss (max $10,000 total).
• $200 for hiring replacement of golf and surf equipment.
• $300 per day for emergency accommodation due to terrorism (max 3,000 total).
• Unlimited cover for medical evacuation and repatriation back home.

Domestic plans:

This plan is a popular choice for Australian travelers seeking to cruise across Australia. With most standard travel policies available in this plan, you can get optional extras to provide additional cover for some stuffs like coverage for participating in snow sports, cover for existing medical conditions, and even include specific items to the plan.

This plan is available for all Australians and no age limit is placed.

• $10,000 for emergency travel arrangements and accommodation expenses.
• $75 per day for meals and up to $500.
• Includes $50,000 cover for medical evacuation and repatriation back to your home.
• $2,000 reimbursement for missing special events and flight delays.
• Includes $300 per day and max $$3,000 for accommodation due to terrorism.
• Up to $5,000 for rental car excess
• $4,000 luggage cover, $1,000 cover for smartphones and electronic gadgets.
• $2,500 for coronavirus travel cost.
• Coverage up to $3,000 for fraudulent use of credit or debit cards
• Accidental death cover up to $10,000.
• $300,000 personal liability coverage.

This plan forms part of the Australian Travel Plan. It provides cover for cancellation fees and additional expenses incurred during travel.

• Option to choose a limit for your cancellation or holiday deferment costs
• $2,000 reimbursement for emergency travel arrangements and accommodation expenses
• $75 for meals per day and up to $500 max
• Up to $250 for emergency internet
• Limit of $500 for emergency expenses to avoid disaster.

Policy exclusions

Some general Cotal travel insurance policy exclusions include:

• Any medical, hospital, or dental expenses you incur in Australia.
• Any loss that may occur if you don’t adhere to the treatment you were on before your trip began.
• Elective or cosmetic treatment or surgery that is not medically necessary
• Acting fraudulently or encouraging others to give the company fraudulent information.
• Credit card conversion fees or any other bank charges.
• Costs associated with the birth of a child, including the care of a newborn in any circumstance.

Cota does offer discounts, but they are often seasonal. At the moment, discounts may not be available. But you can speak with an agent to find out if you’re eligible for a discount either through buying a policy or bundling policies.

Availability

Cota travel insurance is available for all residents of Australia and in all states and territories. But some plan like the Essential plan is exclusive to older Australians aged 69 and above.

How to get a quote

You can get an instant quote by visiting their website, or call 1300 1300 50 to speak with an agent.

How to pay for travel insurance with Cota

These typically involve a series of processes. Start by obtaining a quote, after which you will be given options to customize your policy. You will then be required to fill in your personal information along with your medical history.

After these steps, you can then proceed to make payments. Cota accepts both debit and credit card payments via Visa, Mastercard, and American Express.

Also check: Whole Life Insurance NZ: Benefits and Features

User experience

Website: Cota has a beautiful and easy-to-navigate website. All account-related information can be easily accessed on the website.

Claims: Suffered a loss or damage and need to make a claim? You can file a claim online via the website or call 1300 625 229 or +61 (2) 8256 1547 if you are outside Australia.

Pros and cons

• Suitable for the elderly and seniors
• Cover for fraudulent use of credit or debit cards
• Covid-19 coverage
• No additional premium for accompanying children
• Age limits on some plans
• Can claim only $250 for your stolen cash
• Lack of full policy customization

Tips to save more on Cota travel insurance

• Go for a Higher Deductible: Choosing a higher deductible means you’ll pay more out of pocket if you make a claim, but it can lower your premium.
• Compare Plans: Compare different travel insurance plans offered by Cota to find one that suits your needs and budget. Some plans may offer more coverage than you need, so choose the one that fits your travel plans.
• Stay Safe: Take precautions to reduce the chances of needing to make a claim. This includes staying healthy, following travel advisories, and being careful with your belongings.

Frequently Asked Questions (FAQs)

Does cota travel insurance cover covid-19.

Yes, Cota provides coverage for Covid-19-related events. Depending on your plan, you can claim up to $2,500 or more.

Who underwrites Cota travel insurance?

COTA Travel Insurance is an authorized representative of nib Travel Services (Australia) Pty Ltd and is underwritten by Pacific International Insurance Pty Ltd.

Is Cota travel insurance good for the elderly?

Cota has curated and special plans made to benefit the elderly and seniors.

what is the waiting period for Cota travel policy?

Cota requires a 72-hour waiting period for those who have already begun traveling when their Certificate of Insurance is issued. You can refer to Cota’s Product Disclosure Statement (PDS) to find out more.

Does COTA travel insurance cover adventure activities?

Yes, COTA travel insurance does cover adventure activities like snow sports, but skydiving and scuba diving are all excluded.

What other insurance products does Cota sell?

Apart from travel, Cota also offers many other policies, including car, renters, building and contents, caravan and trailer, boat, and landlord insurance.

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COTA Travel Insurance

Our verdict: with comprehensive cover for covid-19 and no age limit, cota travel insurance is a good option all-round, but particularly so for older travellers..

In this guide

Summary of COTA Comprehensive policy

How does cota travel insurance cover covid-19, what policies does cota travel insurance offer, here's a breakdown of cota travel insurance features, standard features, optional add-ons, how to make a cota travel insurance claim, here's the bottom line about cota travel insurance, frequently asked questions, compare your travel insurance quotes.

Destinations

• COTA Travel Insurance has comprehensive COVID-19 benefits and may cover cancellation costs, quarantine costs, transport costs, medical fees, childcare costs, and pet boarding fees.
• With no age limit and the option to take part in medical screening for some existing conditions, COTA Travel Insurance is a good option for older travellers.
• Although COTA Travel Insurance covers cruises as standard, the PDS doesn't include information about cruise-specific risks so it's not clear exactly what's covered.

Compare other options

Table updated September 2023

COTA Travel Insurance offers strong COVID-19 protection. Travellers will be covered in a variety of situations including:

• Overseas medical costs related to COVID-19
• -you or a travelling partner is diagnosed with COVID-19
• -a close relative or business partner is hospitalised or dies due to COVID-19
• -you're permanently employed as a healthcare worker, residential care worker or law enforcement officer, and your pre-approved leave is cancelled due to COVID-19.
• Travel and accommodation costs if a tour is cancelled due to your tour guide contracting COVID-19 or if your accommodation can't operate due to staff contracting COVID-19.
• Travel, meals and accommodation if you're not permitted to board your scheduled public transport due to being suspected of having COVID-19.
• Travel, meal and accommodation costs if you're required to enter compulsory quarantine due to COVID-19.
• Childcare costs if COVID-19 renders you unable to care for your dependent children while on holiday.
• Pet care costs if you can't travel back to Australia at your scheduled time due to COVID-19.

There are some scenarios that are not covered by COTA Travel Insurance including if you buy a policy knowing you already have COVID-19 or if you are not vaccinated against COVID-19.

COTA gives you the choice of four plans: Comprehensive, Essentials, Annual Multi-Trip, and Australian Travel.

Comprehensive

Annual Multi-Trip

The insurer of this product is Pacific International Insurance Pty Ltd. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.

These are some of the main insured events that COTA Travel Insurance will cover.

Some of these inclusions are only available on the Comprehensive plan.

• Overseas medical expenses
• Travel delay
• Emergency travel and accommodation
• Lost, stolen or damaged belongings
• Stolen cash or credit cards
• Loss of income
• Personal liability
• Total permanent disability
• Accidental death

As well as the benefits above, COTA also lets you add Snow Sports Cover to your policy. It comes with a range of benefits including:

• Ski lift passes
• Ski run closure
• Hire costs for replacement snow equipment

Unfortunately, travel insurance doesn't cover everything. Generally, COTA will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you
• Behaviour while you were drunk or under the influence of drugs
• Expenses related to a pre-existing medical condition
• An act of war, invasion or revolution
• Insolvency of a travel agent , tour operator or accommodation provider
• Mandatory quarantines or isolations
• You being unfit to travel or travelling against medical advic
• Childbirth or pregnancy complications after the 24th week of gestation or if you have had previous pregnancy complications
• A multiple pregnancy or one where the conception was medically assisted
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review COTA's PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

You can download a claim form from COTA's website and follow the instructions.

If you need help, you can phone 1300 625 229 within Australia or +61 2 8263 0487 outside Australia. Alternatively you can email [email protected].

COTA offers strong travel insurance, particularly in relation to COVID-19 related expenses. It also extends cover for pregnancy up to 26 weeks, longer than some other providers, and will consider offering cover for existing medical conditions, if you complete an online health assessment.

With no age limit, it's a good option for a wide range of travellers. However, with limited information about how exactly cruising is covered, anyone setting sail might want to clarify the PDS with a CODA representative or consider a specific cruise travel insurance.

Do I have to be a senior citizen to get a policy with COTA?

No. One of COTA's aims is to help older Australians but younger Australians are not excempt from its travel insurance policies.

What if I change my mind about COTA travel insurance?

If you cancel your policy within the first 21 days of buying it, you'll receive a full refund, as long as you haven't started your trip and you're not making any claims.

When would me COTA travel insurance start?

If you pay for your COTA travel insurance policy online or over the phone by credit card, you'll be covered as soon as you receive your certificate of insurance (which should be straight away).

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.

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12 Responses

We are travelling to Kenya for 2 weeks on 3 October until 17 October 2024, and looking for travel insurance for that time. Can we please have a quote. Thank you

Hi Inga & Ron,

We currently don’t have COTA on our panel. You can obtain a quote from them directly, or you can get a range of quotes from other travel insurance providers here .

I have diverticular disease, is this condition covered under your policy

Thank you for your question.

Pre-existing conditions are assessed on a case-by-case basis. You may find our article about travel insurance for pre-existing condition helpful.

Cota Travel Insurance is not currently one of the brands in our panel of travel insurers so you will need to contact them directly. If you would like to receive a quote from the brands in our panel, please head to our travel insurance home page.

Cheers, Zubair

I only need to cover 2 airfares to Sydney 800 dollars

Thanks for getting in touch with Finder.

If you wish to get covered by Cota, please visit their website where you can get a quote or purchase their policy.

If you would like to compare the brands in our panel, please head over to our travel insurance home page . You may also find our travel insurance for flights only article helpful.

While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.

I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

Have a wonderful day!

All the best, Richard

I am interested in taking out a travel cover. Is it necessary to join COTA membership to be eligible?

Thanks for contacting Finder!

I’m afraid we currerntly don’t have a partnership with COTA. If you would like to get cover from COTA, you will need to head to their site directly.

If you would like to compare your cover options from brands in our panel, you can do so by entering your travel details into the comparison tool on the travel insurance home page .

Hi there, I’m over 70, travel a lot overseas and am trying to find out if you have a yearly multi trip insurance. I have never had a claim, but finding it difficult to get yearly insurance at this age. For the next 12months I expect Asia and maybe Europe. Many thanks Eva

Thanks for your question. I’m afraid Cota is not currently one of the travel insurance brands in our panel.

However, many of the travel insurance brands in our panel do provide annual policies for people over 70 years of age. If you would like to compare these policies, you can do so on our annual travel insurance page . The comparison table does not only show the age cut-off but the maximum single trip length as well.

I hope this was helpful, Richard

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Home > Travel Insurance > COTA Travel Insurance Review

COTA Travel Insurance Review

Learn more about COTA ’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.  

Fact checked

COTA(formerly known as the Council on the Ageing) is an Australian organisation which promotes wellbeing and quality of life for seniors over the age of 50. Founded in 1979, COTA not only fights for better aged care, hospitals and against ageism, it also provides travel insurance to those of a certain age.

If you’re considering a travel insurance policy with COTA but want to find out more about other options on the market, you can compare a variety of online quotes with Savvy to find a policy that gives you the greatest bang for your buck.

Find out more about COTA’s travel insurance policies, grab a quote online and compare with Savvy today.

*Please note that Savvy doesn’t represent COTA for its travel insurance products.

More about COTA travel insurance

What types of travel insurance policies does cota offer.

COTA’s selection of travel insurance policies includes:

• Comprehensive Plan: under this comprehensive travel insurance, you can get coverage for trips up to one year long, with coverage available for up to a year before you plan to leave. There may be a medical exam requirement if you’re over 81 and this covers the policyholder, their spouse or domestic partner and their children, up to the policy's maximum limit.
• Essentials Plan: this basic coverage offers you protection for a slew of incidentals, including overseas medical costs, emergency travel arrangements, travel delays and the cancellation and resumption of your trip if you need to return home to Australia in a hurry. However, you won’t be covered for emergency accommodation due to a terrorist attack, hiring replacement golf or surfing equipment and loss of income due to delays in returning home. You must be no older than 69 to take out an essentials policy.
• Australian Travel Plan: this policy is for those wanting to take a trip across Australia and provides you with benefits such as cover for additional charges, cancellation fees, baggage and personal possessions, rental vehicle insurance excess, accidental death and personal liability.
• Annual Multi-Trip: this type of annual travel insurance policy is for frequent travellers. Each journey is restricted to a maximum of 50 days and can be purchased 30 days before you jet off, with your coverage lasting for 12 months. Unlike some annual policies, this one doesn’t have an age limit attached to it.

No matter if you’re heading off on your honeymoon to the Maldives or planning to lay on a sun-soaked beach in Brisbane, it pays to compare online travel insurance quotes with Savvy so you know the one you’re purchasing is the right one for your trip.

What optional extras are available through COTA’s travel insurance policies?

COTA offers just one optional extra, which is for snow sports. This add-on cover is only available with comprehensive or annual travel insurance policies and can cover you if you’re skiing or doing some snowboarding , including on and off-piste and across the backcountry. For an extra cost, you can be covered for ski lift passes, the closure of your ski run and the hiring of replacement snow sports equipment.

What exclusions should I be aware of when buying travel insurance through COTA?

Some of the general exclusions on COTA’s travel insurance policy include:

• Unapproved pre-existing medical conditions
• Undergoing elective or cosmetic surgery
• Taking part in a clinical trial
• Travelling against your doctor’s advice
• Losses of personal items if they are left unattended
• Intentional injuries or attempted suicide
• Accidents caused by alcohol or drug consumption
• Partaking in a professional sport
• Expenses already claimed through private health or Medicare
• Costs involved with you breaking the law

Before choosing a travel insurance policy for your next vacation, read the Product Disclosure Statement (PDS). This offers a detailed sense of what's covered.

What we think of COTA’s travel insurance

What we like, suitable covid-19 coverage.

COTA not only covers the cost of your medical expenses if you catch COVID-19, but they’ll also stump up for any extra travel or cancellation costs if you or a close family member back home test positive for the virus.

Credit card scam cover

COTA’s comprehensive policy offers you cover if your credit or debit cards are stolen and fraudulently used, which isn’t something many other providers roll into their policies.

Cover for your four-legged friends

If your return home is delayed, COTA allows you to claim up to $500 in additional costs for the boarding or care of your dog or cat .

What we don't like

Lack of extras.

Unlike some of its competitors, COTA only offers a single optional extra to travellers, with snow sports the only add-on available.

Limited rental car coverage

COTA only allows you to claim up to $5,000 for the excess on a rental car, compared to other providers who offer up to $8,000.

Some of the policies come with age restrictions, limiting coverage for seniors over 69 if they wish to take out an Essentials plan instead of Comprehensive.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about COTA’s travel insurance

COTA’s PDS says making a claim is relatively straightforward as long as you submit your claim form as soon as possible. Part of this will include lodging a claim form with ample detail and providing documents, reports and photographs to back up your claim. Once your claim is submitted, most insurers will tell you it can take up to ten working days for it to be processed and money reimbursed into your nominated bank account.

Travel insurance doesn’t have a one-size-fits-all cost. Instead, the price of your premium is determined by variables including:

• Destination ( travelling to Pakistan to visit family can be costly because of the lack of universal health care)
• Level of coverage
• Optional extras you choose
• Pre-existing medical conditions
• Chosen policy excess
• Type of insurer and insurance policy you purchase

Yes – COTA covers travellers who are pregnant at the time they buy their policy or afterwards. You can claim for pregnancy-related illnesses up to their 26th week of gestation, so long as you're only expecting one child and have had no prior pregnancy complications. There is no cover for those who fall pregnant through medical help, such as those who use IVF.

A single-trip policy only covers one trip, whereas an annual multi-trip coverage covers numerous trips over 12 months (typically up to between 45 and 90 days in length each). In contrast, one-way plans protect travellers without return tickets booked for up to a year after they leave Australia.

More travel insurance reviews

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Disclaimer: We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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Buildings & Contents

Caravan & trailer, contents for renters.

Travel tips from the experts

By Taryn Topperwien

Off travelling soon? Need a few tips and reminders from the experts? Everything from packing, clever things to take, all the new COVID rules and even quarantine free destinations – the experts give you their tips below!

Return to travel advice

Quentin Long from International Traveller, recently appeared Channel 9’s Weekend Today show with his new travel tips. See the video  HERE  for his advice, including:

• Passports –Get passports sorted and renewed early, there is a big backlog at the moment so allow for delays.
• Visa’s – Remember travel visas for some destinations, check before going if this applies to your destination and make sure they are organised in advance.
• Health – do you have enough medicine for your time away? Because we are all so focussed on COVID-19 we also need to remember our own medicines and any relevant travel vaccines, like Yellow Fever, Hepatitis A, Rabies etc.
• Cash – remember to organise your foreign currency before leaving, such as foreign cash or travel cards.
• Travel insurance –  “If you can’t afford travel insurance, then you cannot afford to travel!”
• Download your International COVID Vaccination proof, and have them available (including hard copies) for your travel destinations.
• Make sure you know and fulfil what the COVID testing requirements are for your destinations and operators.
• Pack enough disposable masks for your time away – a new mask whilst travelling every 4 hours is advised. Also, pack hand sanitiser and hard copies of your vaccinations and test results.
• Record all support contact numbers, such as the local consular, medical and travel insurance contacts.

Overall, Quentin’s advice is to get a travel agent for overseas booking, as they are up to date on all the requirements.

Essential travel items

Escape.com.au is a popular website that inspires travellers with great stories, advice, trends and news from a team  of  expert travel journalists. Share their essential travel items, from all different nick knacks to the more obvious practicalities.

Lightweight jacket

Always carry a lightweight jacket that can be folded into the palm of your hand.

Translation app

Travel with an audio translation app on your phone, great for overcoming language barriers, there are many to choose from.

After a day of sightseeing or hiking, a golf ball is a handy tool. Take off your shoes and roll the ball on the soles of your feet. It is an instant massage and rejuvenates your muscles ready for another day of sightseeing.

Take your own favourite tea bags travelling as you can never be sure what (if any) will be at your accommodation. There is nothing better than a hot cup of tea at the end of a long sightseeing day.

Empty water bottle

Make sure to pack an empty water bottle. Once you are through security at the airport you can fill it up at the water bubblers and ask the flight attendants to fill it for you on the plane. This saves money on purchased drinks and keeps you hydrated.

Pack of wipes

Wipes can help in so many ways when travelling, such as make up remover at the end of the day, cleaning shoes or white sneakers, blotting a stain out of clothing or simply cleaning sticky fingers!

Cadence’s natty little capsules

Small containers that stick together with tiny magnets. Use them for toiletries, tablets, small jewellery items and more. The labels can be customised and they fit enough product for a week’s trip away, without leaking or cracking. check them out  here.

Zippered pillow case

For many reasons this is a good idea. Use it for a dirty laundry bag, or use it when your luggage is over the weight limit, fill it with clothes and use it as a pillow on your flight (and reduce your luggage weight). Lastly use it as a pillowcase in your accommodation, if you don’t like the ones supplied!

Glasses chain

Glasses chains, now available in many styles online, not only act as a perfect way to keep your glasses or sunglass on you, but they are also ideal for facemasks. They are also a clever way to keep hold of your Air Pods!

Padded cases

Soft cases, such as  these  are ideal for anything that needs protection from damage while travelling, such as a laptop, tablet, passport, travel papers, and glasses.

Mini mist sprayer

A mini water mister is ideal for combatting the dry air on a plane trip or keeping you cool in a hot climate. You can even use it to mist and hang your clothing when you don’t have access to an iron. They are available  here.

Elva’s packing tips

Of course, our expert packing tips would not be complete without our lovely Elva’s packing tips that you can read about  here ,  or view here –  COTA Insurance on You Tube.

Qantas travel tips

Country updates

Make sure to check your destinations precautionary steps in relation to the COVID-19 variant of concern. See  Travel Updates  for more information.

Before booking and travelling, make sure you check the latest Government travel requirements. These may include mandatory health declarations, vaccinations, COVID-19 tests, use of facemasks, entry permits, pre-approval and quarantine (possibly at your own expense), or you could be denied entry.

Also, check the latest airline travel requirements to ensure a seamless journey.

Have your passport ready, remember to check your passport expiry date, and ensure it meets the validity requirements for the destination you are travelling to.

International vaccination and travel requirements

Before you get to the airport, make sure you have a valid vaccination certificate for international travel.

If you need a pre-departure COVID-19 test, it is important to ensure you have the correct documentation from an approved testing facility.

For those with vaccination exemptions and medical clearance, make sure you have the required proof  if you can’t be vaccinated for medical reasons, or require prior positive medical clearance for your pre-departure test.

At the airport and on board

With the impact of COVID-19, there are some changes to inflight and airport services, lounges and more. Arrive at the airport early, as airports might be busier than we are may have been used to in the past. It is recommended that you arrive 4 hours ahead of your international flight.

Bookings with other airlines, travel agents and other third parties

If your flights were booked through another airline, a travel agency or third-party website, you will need to contact them directly for assistance. If you are having difficulties contacting your agent, or your agent has ceased operating,  complete this request form .

Travel destinations that are quarantine free

For the full article and information on this, please visit  HERE  information was accurate at the time of print; however, it may have changed since.

New Zealand

Vaccinated Australians can enter New Zealand and self-test on arrival. You must provide a negative COVID-19 pre-departure test. After you enter New Zealand you must do two rapid antigen tests (RATs) on Day 0/1 and Day 5/6 and declare your results.

Switzerland

Switzerland is relaxing COVID-19 restrictions. You are no longer required to present proof of recovery certificate or negative PCR test on arrival. Non-residents must still present proof of COVID-19 vaccination to enter.

Quarantine-free for fully vaccinated Australians. You will still need a pre-departure test within two days of departure and complete a Singapore Arrival Card. If you are not fully vaccinated you will need to purchase travel insurance with a minimum coverage of SGD 30,000.

Quarantine-free for fully vaccinated Australians. From April 1, pre-entry COVID-19 tests are no longer required for entry if you are fully vaccinated.

Quarantine-free for fully vaccinated Australians. You will still need a pre-travel PCR test lab result with validity 48 hours from departure time at the country of origin

Quarantine free travel to fully vaccinated travellers. Proof of vaccination, a negative pre-departure COVID test (PCR-48 hrs/RAT 24 hrs before flight) as well as evidence of a pre-booked RAT following your arrival into Fiji is required, and travel insurance with international coverage for COVID-19.

If you’re aged 18 and over, you must be fully vaccinated against COVID-19 and provide proof of vaccination and show a negative COVID-19 test result taken no more than one day before travel.

Quarantine-free travel to Thailand for fully vaccinated travellers who apply for ‘Test and Go’ scheme. You’ll need proof of vaccination, a negative COVID test (RT-PCR) after arrival, booking for one day at approved SHA Extra+ or AQ hotel, insurance with minimum coverage of $20,000 USD.

Items travel experts never travel without | escape.com.au

www.escape.com.au/travel-advice/10-handy-travel-essentials-you-shouldnt-leave-home-without/news-story/74326d0d54f4c23a1abff0dc5e6ad682

www.facebook.com/iwakeupwithtoday/videos/513751617044688

Cruise ships ban to end April 17 (homeaffairs.gov.au)

Cruising ban lifted: Which cruise lines and ships are coming back to Australia (traveller.com.au)

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Cota Travel Insurance Review

An Aussie Insure summary of...

Cota Travel Insurance is an integral part of the Cota insurance company. The company specialises in providing specific travel cover including multi-trip, skiing or snow boarding breaks and group excursions. Cota also have a selection of products for those who are planning a trip overseas or within Australia.

Cota offers excellent cover containing decent benefits that will suit most Australians planning a holiday, business trip or other trip. Their policies are priced quite reasonably and the protection they provide represents good value when comparing to other Aussie insurance brokers.

Cota Travel Membership

Cota Travel's membership has grown considerably during the past number of years. Their customers can choose from many types of cover from basic insurance policies to products that are furnished with several extra benefits.

Like most other travel insurance companies, when applying for a claim from Cota, there could well be a standard excess charge. But when financial experts analyse the average monthly premiums that are charged, most would say they are reasonably priced considering the quality of cover they provide.

Cota Travel Insurance Online

Purchasing an online policy from the Cota website is relatively easy. Click the link below and follow their step-by-step instructions and your personal quote will be calculated within a few moments.

Cota Travel Insurance Contact Details

Below you will find contact details for Cota Travel Insurance compiled by the Aussie Insure research team.

Website:    Cota Travel Insurance

Email:     [email protected]

Telephone:    1300 1300 50

FAX:    (08) 8112 8180

Address:    16 Hutt Street, Adelaide SA 5000

Cota Travel Insurance Notes

Please note that the information on this page concerning Cota Travel insurance is accurate at the time of publishing. However, details of insurance companies and brokers may change in the future. Although the team at Aussie Insure strive to keep company information up to date there will be occasions when some info may be out of date.

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Travel Insurance Advice

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Insurance Brokers

Car Insurance

Life Insurance

Home Insurance

Travel Insurance

Business Insurance

Privacy Policy

• Paid Member Benefits
• COTA Insurance

COTA Holidays

• COTA Contacts

COTA now offer great holidays including escorted international holidays and domestic package tours specially selected for our members and all Australians over 50.

Click here to see our current range of exciting adventures or call us direct at COTA Holidays on 1300 1500 50.

• Mon - Fri : 9am to 5pm
• Sat : 9am to 5pm
• Sun : Closed

• My bookings
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Your member details

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Terms and conditions

Travel insurance pds, tmd and details, product disclosure statements (pds).

Current from 15 December 2023

• Travel Insurance Combined Financial Services Guide and Product Disclosure Statement (including Policy Wording) (PDF, 894KB)

Before 15 December 2023

• Travel Insurance Combined Financial Services Guide and Product Disclosure Statement (including Policy Wording) (applied 11 July 2023) (PDF, 822KB)
• Travel Insurance Combined Financial Services Guide and Product Disclosure Statement (including Policy Wording) (applied 31 May 2023) (PDF, 848KB)
• Travel Insurance Combined Financial Services Guide and Product Disclosure Statement (including Policy Wording) (applied 10 August 2022) (PDF, 941KB)
• Travel Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (applied 1 March 2022 to 10 August 2022) (PDF, 815KB)
• Supplementary Travel Insurance Product Disclosure Statement (applied 5 October 2021 to 17 November 2021) (PDF, 844KB)
• Travel Insurance Product Disclosure Statement and Combined Financial Services Guide (pre 17 November 2021) (PDF, 912KB)

Target Market Determinations (TMD)

The Target Market Determination describes who the insurance is suitable for.

• Combined Annual Multi Trip, International Single and Domestic (PDF, 284KB)
• Combined Annual Multi Trip, International Single and Domestic (applied 11 July 2023) (PDF, 275KB)
• Combined Annual Multi Trip, International Single and Domestic (applied 31 May 2023) (PDF, 273KB)
• Annual Multi Trip (PDF, 694KB)
• International Single (PDF, 837KB)
• Domestic (PDF, 716KB)

Tokio Marine Australasia Privacy Policy

• Read the Tokio Marine Privacy Policy

• Flights and stays
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Buildings & Contents

Caravan & trailer, contents for renters.

Financial Services Guide

Financial services guide insurance and membership services ltd trading as cota insurance.

INTRODUCTION This Financial Services Guide (FSG) is intended to help you make an informed decision about the financial services and products we can provide to you as a retail client.

This guide contains important information about: ꞏ the financial services we offer you; ꞏ who we act for in providing these services; ꞏ how we and other relevant persons are remunerated; and our internal and external dispute resolution process and how you can access them.

Where required, you will be given a Product Disclosure Statement (PDS) before or at the time you acquire any product as a retail client. The PDS sets out the standard terms, conditions, limits and exclusions of the product to assist you in making an informed decision about whether to purchase it or not.

This FSG only covers services we provide on Home, Landlord, Car, Caravan and Trailer, Pleasure Craft and Commercial insurance products. Please keep this FSG along with the PDS and other policy documents in a safe place for future reference.

WHO ARE WE? Insurance and Membership Services Limited (IMS), a company limited by guarantee, has operated as an Insurance Agency since the company was formed in 1993. IMS provides products and services to members of COTA, Ambassador Card holders and others. For the purpose of this FSG “we”, “our” or “us” means IMS.

Insurance and Membership Services Ltd ABN 59 057 159 743 Authorised Representative No. 246235 PO Box 7156 HUTT STREET SA 5000 Tel: 1300 1300 50 or +61 8 8112 8110 Fax: (08) 8112 8180 Preparation Date: 9 September 2022

WHO WILL BE PROVIDING THE FINANCIAL SERVICE TO YOU? The financial service will be provided by IMS. We are appointed as an authorised representative of Allianz Australia Insurance Limited (Allianz) to: • provide general advice on and arrange Home, Landlord, Car, Caravan and Trailer and Pleasure Craft insurance products; and • provide general advice on and refer customers to Allianz for Commercial insurance products. We can be contacted on 1300 1300 50 or +61 8 8112 8110. Allianz has authorised the distribution of this FSG. Allianz’s can be contacted as follows: Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708 GPO 9870 Melbourne VIC 3000 Tel: 131 000 Or by using the contact details listed at www.allianz.com.au

Allianz has authorised us to arrange and provide general advice on certain general insurance products issued by it. You may be provided with these financial services by: ꞏ one of our employees; or. ꞏ a person we have temporarily contracted with to provide these financial services to you, ꞏ Each of these persons will be authorised by Allianz to arrange and provide general advice on these insurance products as its authorised representative and to provide you with this FSG. They will tell you when this is the case.

WHO DO WE ACT FOR WHEN PROVIDING SERVICES? In arranging, referring and providing general advice on the above general insurance products, we and our employees act as an agent for Allianz. We may also refer you to Allianz to purchase insurance, where we do this and you purchase a policy, it will be arranged and issued by Allianz not us.

GENERAL ADVICE WARNING It is important that you understand and are happy with the products we and our representatives can arrange. We can give you general advice to help you decide but do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision about whether or not to purchase the product/s please carefully read the PDS to decide if it is right for you.

COMPENSATION ARRANGEMENTS We are required by Allianz to hold professional indemnity insurance. Allianz is a general insurer authorised under the Insurance Act 1973 (Cth) to carry on general insurance business in Australia and is supervised by the Australian Prudential Regulatory Authority (APRA) and subject to the prudential requirements of the Insurance Act. Because of this, Allianz is exempted from the requirement to hold professional indemnity insurance. Please contact Allianz if you require further information in relation to their compensation arrangements.

WHAT REMUNERATIONS DO WE RECEIVE FOR OUR FINANCIAL SERVICES? We receive a commission from Allianz each time you buy, renew or vary a policy which is based on a percentage of the base premium (this is the premium less Goods and Services Tax (GST), stamp duty and any other government charges such as fire service levy (where applicable), taxes, fees or levies). We may receive a profit share from Allianz for Home and Contents (excluding flood), Landlord (excluding flood), Car and Caravan and Trailer insurance policies arranged by us (or renewed) with Allianz in each calendar year. If the agreed net earned premium threshold and the agreed profit threshold (determined according to a formula that takes into account matters such as the premium received, claims and expenses incurred) are met, we receive an agreed percentage of the profit which exceeds the agreed profit threshold. We also receive a marketing allowance from Allianz every two months. This is based on a percentage of the total gross written premium earned in the previous two months on Home and Contents (excluding flood), Landlord (excluding flood), Car and Caravan and Trailer insurance policies arranged by us (or renewed) with Allianz. We pay our sales employees an annual salary and they may also receive bonuses or other incentives and rewards based on their performance relating to sales of products and other business criteria. This does not affect the premium that any individual customer may pay. Where you have been provided with financial services by an employee who is an authorised representative, we may pay them all or part of our remuneration.

Where a third party has referred you to us, we may pay them an agreed percentage of our remuneration or an agreed amount for the referral as a commission or fee. Any such commission we pay to a referrer is at no extra cost to you. From time to time, we may participate in sales incentive schemes and Allianz may provide other benefits such as promotional items, financial assistance for promotion of its products, business related conferences, study trips or other functions. We may also be eligible to qualify for other benefits such as awards or hospitality events. These benefits are provided to us at no additional costs to you. If you would like more information about the remuneration that we receive, please ask us. This request should be made within a reasonable time after this FSG is provided to you and before the financial services are provided to you.

ASSOCIATIONS OR RELATIONSHIPS Allianz is a related body corporate of Club Marine Limited who issues and manages Pleasure Craft insurance on behalf of Allianz.

HOW CAN YOU PROVIDE US WITH INSTRUCTIONS AND TELL US HOW YOU WISH TO ARRANGE YOUR INSURANCE? Simply call us on 1300 1300 50 or +61 8 8112 8110 or other means which we agree with you.

PRIVACY Your privacy is important to us and we are committed to promoting a privacy policy that ensures the privacy and security of your personal information. Our privacy policy is available online here. Alternatively a copy of our privacy policy can be sent to you by contacting IMS and requesting a copy. Email: [email protected] Phone: 1300 1300 50 or +61 8 8112 8110

WHAT HAPPENS IF YOU HAVE A COMPLAINT? We are committed to handling complaints about our products and services efficiently and fairly. If you have a complaint, contact us and we will seek to resolve the issue. If we are unable to resolve your complaint, we will promptly refer it to Allianz. Allianz will attempt to resolve the matter in accordance with their Internal Dispute Resolution procedures. To obtain a copy of Allianz’ procedures contact us using the contact details on the first page of this document. If your complaint is not resolved to your satisfaction or your complaint has not been resolved within 30 days, the dispute can be referred to the Australian Financial Complaints Authority (AFCA) subject to its terms of reference. It provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms and its contact details are: The Australian Financial Complaints Authority Phone: 1800 931 678 Post: GPO Box 3, Melbourne VIC 3001 Website: www.afca.org.au Email: [email protected]

FURTHER INFORMATION If you need further information about the products or our services, or you have any queries please contact us using the contact details on the first page of this document.

Download our Financial Services Guide PDF here.  FSG Financial Services Guide October 2022