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Virgin Travel Insurance Review

Round-the-clock emergency assistance and unlimited cover for trip cancellations are just 2 reasons to choose virgin travel insurance..

In this guide

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Summary of virgin money's comprehensive cover policy, what cover options are available from virgin and what exactly do they provide, 1. international travel cover, 2. virgin domestic travel insurance, 3. virgin multi-trip travel insurance, looking for some extra cover for your trip additional options you may want to consider, what are the benefits and what are the drawbacks of virgin travel insurance, what is the maximum age i can still get travel cover, if something happens how do i make a claim, faqs about virgin, why choose virgin for your trip.

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Our Verdict

• Virgin Travel Insurance is one of the few providers we found that regularly offers discounts on its products, including for existing customers. Keep an eye out for the latest deals on their website.
• This provider offers a flexibility with its travel plans, with 6 cover types including 2 for domestic travel.
• We compared 10 leading travel insurance brands and found that Virgin Travel Insurance offered comparatively limited seniors cover, with a maximum age of 74 on some of its policies (correct as of June 2021).

Virgin Money Australia has expanded its insurance portfolio and now offers comprehensive travel insurance plans for both domestic and international trips to suit a range of needs and budgets.

You can compare the features of various Virgin Travel Insurance policies by using the table below and get a free quote.

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Who underwrites Virgin Travel Insurance?

Table updated August 2021 *Note: 'Unlimited' means that there's no capped dollar sum insured, however, other conditions and exclusions may still apply.

How can this page help me decide if Virgin Money Travel Insurance is right for me?

• What cover options are available from Virgin?
• Additional options you may want to consider
• What are the benefits and what are the drawbacks?
• How much excess do I have to pay when I claim?
• Frequently asked questions about Virgin

Whether you are a one-off or regular traveller, globetrotting around the world or keeping it local, you may be able to find suitable travel insurance cover with Virgin that you can more closely tailor with a range of extras.

If you are looking to secure a travel insurance plan for a single overseas trip, Virgin offers different levels of cover available to single travellers and family. For international travel, there are three cover levels that you can choose from:

• Comprehensive

How does each level of cover compare with another?

Table updated August 2021

Virgin Travel Insurance also provides comprehensive protection cover for applicants looking to take a trip locally in Australia. Going for a snowy adventure or hitting the golf clubs to practice your tee shot? You can take up additional sports cover to help protect yourself against loss or damage of sports equipment. Domestic cover from Virgin is available as a single or family plan.

What is covered under domestic travel insurance policies?

If you regularly travel overseas or locally, either for work or holiday purposes, you can take advantage of Virgin Multi-Trip insurance that provides cover for unlimited journeys within a 12-month period. Virgin Multi-Trip Travel Insurance cover is available as a single plan. However, if you take your spouse/de facto partner and/or children with you on these trips, they will be covered automatically.

What is covered under multi-trip travel insurance policies?

• Overseas emergency medical assistance
• Overseas emergency medical and hospital expenses
• Accidental death
• Permanent disability
• Cancellation fees and lost deposits
• Additional travel and accommodation expenses
• Travel delay expenses
• Alternative transport expenses
• Travel documents, credit card and cheques
• Theft of cash
• Loss of luggage and personal effects
• Luggage and personal effect delay expenses
• Personal liability
• Rental vehicle excess

Going away for a Ski Trip? Learn more about Ski Travel Cover

With Virgin Travel Insurance, you have the flexibility to tailor your policy of choice with additional cover options. These options will incur additional premiums:

• 24/7/365 Emergency Assistance. Virgin Travel Insurance is underwritten by Allianz who provide emergency assistance with Allianz Global Assistance.
• Claims process is quick. With Virgin Money you can access guidance for the travel insurance claims process – you call it up and the claims team can guide you through the claims process.
• Cooling off period. Virgin Travel insurance has a 14-day cooling-off period in case you change your mind or travel plans.
• No increased cover for expensive items. You cannot purchase increased cover for jewellery or Snow Sport Equipment.
• No one-way policies. Virgin Travel Insurance only covers trips that start and end in Australia.
• No already overseas option. You cannot take out cover after you have begun your trip.
• Limited seniors cover. Some Virgin Money travel insurance policies have a maximum age of 74 for policyholders.

Check if there are any active Virgin Travel Insurance coupon codes

You can make a claim by downloading a claim form and submitting your claim with the appropriate supporting documents

What documents will I need to provide with my claim?

• Police reports
• Medical reports
• Original receipts or proof of purchase and ownership

How long will it take for claim to be processed?

Questions about applying, q. who can purchase virgin money travel insurance policy.

• A. You are eligible for cover if:
• You are an Australian resident.
• You are taking out cover prior to the start of your journey.
• Your trip begins and ends in Australia.

Q. Which age group is eligible for Virgin Travel Insurance cover?

• A. The age limits will vary depending on type of cover you are looking to apply for:
• Single Comprehensive and Domestic – 16 years old and over
• Multi-Trip and Basic – 16 to 74 years old
• Essentials – 16 to 69 years old

Q. When should I buy my travel insurance policy?

• A. You may want to take out Virgin Travel Insurance cover as soon as you put down a deposit or fully paid for your trip, or up to 12 months before your departure date.

Q. When will my travel insurance cover start?

• A. Your policy will be active on the date you purchase your cover. You will receive an email confirmation and Certificate of Insurance after application.

Questions about cancelling policies

Q. can i cancel my virgin travel insurance policy.

• A. You can cancel your cover within the 14-day cooling off period and you will get a full refund of premiums paid. Conditions apply.

Questions about coverage

Q. will i be covered if i have a pre-existing medical condition.

• A. Virgin Travel Insurance Australia provides cover for pre-existing conditions specified on the policy. Conditions may apply depending on the nature of the condition.

Q. Does Virgin Travel Insurance cover one-way trips?

• A. No. For Australia, Virgin Money Travel Insurance only provides cover for trips that start and end in Australia.
• Travel with one of Australia’s largest general insurance providers. Despite being a newcomer to the travel insurance market, Virgin Money Australia is one the nation’s leading financial institutions. Virgin Travel Insurance policies are underwritten by Allianz Australia, one of the largest travel insurance groups in the country.
• Different options to suit many travellers. Virgin Travel Insurance has developed a variety of travel plans with features and benefits to suit different kinds of travellers and their needs. Looking for a basic cover? Virgin Travel Insurance offers Basic or Essentials cover for when you travel abroad. Want top level cover? The Comprehensive cover might be a suitable solution for overseas trips. Domestic travellers can also benefit from two levels of travel cover available through Virgin.
• Tailor your policy to more ideally suit your needs. You can customise your travel protection plan by adding different options to suit your needs. Depending on the type of cover that you opt for, you can choose to add sports cover, get extra cover for your valuables and luggage, or increase your rental vehicle excess.
• 24/7 emergency assistance no matter where you are in the world. With the support from Allianz Global Assistance, you can benefit from global emergency assistance with access to doctors, nurses and support staff; available 24/7 to Virgin Travel Insurance policyholders.
• 14-day cooling off period. Once you have purchased your Virgin Money Travel Insurance policy, you have 14 days to be sure that you have made the right decision. You can cancel your cover within this period and you will receive a full refund as long as you have not commenced your trip or made a claim.
• Cover for 36 pre-existing medical conditions at no extra cost. If you have a pre-existing medical condition, Virgin Travel Insurance provides cover for applicants with any one of the 36 listed on your policy at no extra cost. Virgin may offer full cover as long as you have not been admitted to a hospital for the elected condition in the 24 months prior to your policy’s commencement date. Some of the pre-existing medical conditions that Virgin travel insurance will cover include:
• Carpal Tunnel Syndrome
• Diabetes Type I and II
• Hypertension
• Hypothyroidism
• Macular Degeneration

Jessica Prasida

Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification.

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18 Responses

I’m looking for travel insurance. I’m on a 12-month visa here in Australia and I’d like to get comprehensive insurance for 12 months to cover my trip to the US in April. Can I get insurance for all my stay here in Australia? I’m from Ireland and I’m 68 years, healthy no illnesses.

Thank you for getting in touch with Finder.

General eligibility requirements for inbound travel insurance include:

• You must be a non-resident of Australia travelling to Australia for a temporary period and then returning to your home country
• You must be under 81 years of age at the time the policy is issued (age limits vary between insurers)
• Your trip must include travel within Australia
• You must have purchased cover less than 12 months prior to arriving in Australia

Since you have arrived in Australia and considering getting travel insurance for your trip to the US in April, you can check some non-resident travel insurance . I suggest that you contact your chosen insurer directly to know your cover well before leaving for your trip.

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

Can I book travel insurance outside of Australia? I am currently working in Japan then travelling to Thailand and UK. I am an Australian citizen.

Thank you for reaching out to Finder.

I’m afraid you may not be qualified to get one from Virgin Travel Insurance. Their insurance is backed by Allianz and they require that your journey should commence and end in Australia. You may want to check travel insurance for Australian expats to check your options. The page also discusses the types of cover that may be available for expatriates, coverage FAQs, etc.

Hope this helps and don’t hesitate to contact us back if you require further assistance.

Kind Regards, Mai

Hi, does this insurance cover cruises in Europe – italy/croatia/greece?

Hi Rosemary,

Thank you for leaving a question.

Yes, Italy, Croatia and Greece are covered by Virgin International Travel Insurance. Hope this helps!

Cheers, Reggie

What about disaster insurance cover for Bali?

Thank you for your inquiry.

Based on the Product Disclosure Statement of Virgin Travel Insurance, there is coverage when it comes to natural disasters when the natural disaster will affect your mode of transport. You may want to refer to our guide to Virgin travel insurance to know which cover options are available.

We also have a dedicated page for travel Insurance for Indonesia . Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

I have cover 22/5 to 6/6 had slight accident left paperwork at home.can you provide claim number. Cut to eyebrow going to emergency hospital

Hi Shirley,

Thanks for your question.

If you would like to make a claim with Virgin Travel Insurance, you will need to contact them directly or download a claim form from their website and submitting your claim with the appropriate supporting documents which includes police reports, valuations, medical reports, and original receipts or proof of purchase and ownership.

Please make sure to revisit the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a claim.

I hope this was helpful, Richard

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