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Real-Time Travel Insurance

Executive level of leisure travel insurance for tag members.

So What is TravelCard and their Business Class Travel Insurance?

TravelCard have changed the way travel insurance works with the introduction of their Nil Excess and Real-Time claims experience.

Unique TAG Member Benefits

When you decide to take out a Business Class Travel Policy with TravelCard, you will have access to a number of benefits. These include:

• Never before offered corporate style benefits for all leisure trips
• Medical assessment isn’t required for pre-existing medical conditions**
• Includes cover for Winter Sports, Adventure Activities, and Golf
• Approved claims under overseas and ongoing medical expenses, delayed or mislaid luggage, and money sections of a TravelCard Real-Time Travel Insurance policy can be paid in a matter of minutes when travelling and paid via the TravelCard
• All members will avoid mountains of paperwork
• No age restrictions***
• All members will save on out-of-pocket expenses
• All member will pay no excess on all claims
• Children holidaying with their parents do so at no extra charge
• 24/7 global assistance whilst travelling

**At the time of journey you must be medically cleared to travel ***Travellers aged 85 years and over must be medically cleared to travel at the time of journey

CLICK HERE TO VIEW THE SUMMARY OF BENEFITS

How to book your travelcard insurance.

Simply contact TravelCard in two ways to arrange travel insurance:

PROMO CODE: 7132

To obtain a TravelCard, simply call the team at Business Insurance Cover Services on 1300 268 371 and have the promo code ready:

Once you have accepted the policy quote and made payment for the policy, the TravelCard will be mailed to the preferred address.

Get Connected

Contact Tracey on  0423 400 767  or  [email protected] .

Jump on to the  BICS website  for more info!

CLICK HERE FOR MORE INFO ON BICS (BUSINESS INSURANCE COVER SERVICES)

address 49 Burton Ln Samford Valley QLD 4520

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Travel insurance as we know it has changed FOREVER

TravelCard insurance takes the hassle out of overseas travel

Last updated . 30 January 2020

If you’re one of the unlucky four in five Aussie travellers that’s had an issue claiming back on travel insurance, this news from TravelCard means you’ll never have to wait to be compensated ever again…

As it turns out, Aussie travellers have been missing out on hundreds of unclaimed dollars due to current (and let’s face it – outdated) travel insurance claims processes, mainly because so many insurers make it so damn difficult to get your money back

Recognising this problem, TravelCard insurance has quite literally changed the game, creating a real-time debit card that pays insurance claims within minutes of you making them. Yes, you read that correctly.

Unlike other travel insurance providers, instead of having to provide receipts upon your return, their first-of-its-kind travel card is linked to MasterCard, paying you out instantly when you’re stuck in the middle of an airport with a missing suitcase and need to buy underwear.

They also have 24/7 assistance, meaning you can call, claim and collect (in two minutes!!!) anytime.

Currently, the most common incidents that have occurred to Australians when travelling are:

-Delayed flights (32%) -Receiving medical treatment (30%) -Losing, damaging or having your goods stolen (28%)

The TravelCard covers all of these.

Picture this, you’re travelling the Galapagos and your camera falls to the bottom of the ocean. Under this new system of reimbursement, your money can be there within minutes, allowing you to purchase a new camera right then and there – well, at least when you get off the boat.

Or perhaps you’ve been left with a major medical bill after emergency surgery in the US; simply call TravelCard and wait for the money to instantly be deposited onto your card.

Corporate, family, solo – no matter how you travel, we guarantee this will change the insurance game.

As for any potential mishandling of system, Michael Tauber, CEO of TravelCard Australia says that TravelCard’s philosophy is to “assume the best in everyone,” highlighting “all our [sic] customers are trustworthy.” So don’t ruin it for everyone, please.

The company also aims to provide “them with peace of mind through the delivery of real-time solutions and an easy process when needing help abroad, so they can get back to enjoying their holiday.”

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TravelCard – Real Time Travel Insurance

TravelCard Real-Time Insurance may provide cover for your participation in a range of activities when either roaming the world or holidaying locally

Approved claims under overseas and ongoing medical expenses, delayed or mislaid luggage, and money sections of a TravelCard Real-Time Travel insurance policy are paid in a matter of minutes when travelling and paid via the TravelCard.

Key customer Benefits

• The experience of the PassportCard Group is that 80+% of approved claims are paid while travelling via the TravelCard
• No excess on all claims
• Children holidaying with their parents do so at no extra charge
• 24/7 Global assistance
• Avoid Mountains of paperwork

Leisure, or Corporate travel insurance options available.

Click on the image link below to obtain your instant quote:

All benefits and cover are subject to the terms, conditions, limitations and exclusions listed in the combined financial services guide and product disclosure statement (available at www.travelcard.com.au ) and on other policy documentation, including the schedule.

Travel insurance on tap.

Instant payouts on approved claims, support that never sleeps and access to expert guidance right when you’re faced with “it”..

Why choose PassportCard?

Customers love us

We think we’re great, but don’t just take our word for it. PassportCard is rated 4.4 stars on Product Review.

Instant payouts backed by US patented technology

Get instant payouts for approved claims anytime, anywhere*. It’s the way insurance should be – quick, simple and hassle-free.

Local team & global assistance

Support that never sleeps with our Australian based 24/7 Global support support team. Whether you need to find a doctor, your flight is cancelled or you have a question about your policy, our team is ready to help.

How it works

Medical issue overseas?

Need a doctor? In pain and not sure what to do? Call our 24/7 Global Assistance team and we can direct you to the nearest pharmacy, hospital or doctor. For approved claims we will load the PassportCard with funds to cover your medical costs.

Find out more

Luggage delayed?

When your luggage isn’t where you are, it’s hard to begin your holiday. Just call us and we can add up to $150 to the PassportCard to buy emergency essentials.

Cash stolen?

No cash, no holiday! Call us and we can put up to $500 on the PassportCard to help you until you work out details with your bank.

What else does PassportCard provide cover for?

Trip Cancellation

In case you need to cancel your trip unexpectedly

Lost Luggage

Cash to cover costs if your bags are lost

Travel Delays

If you need to pay for accommodation because of a travel delay

Dental Emergencies

If you need immediate treatment while you are travelling

What our customers say about us

PassportCard travel insurance has been a game-changer for me!

One standout feature is their commitment to loading the PassportCard with necessary funds in case of emergencies.

Their efficient and reliable service makes them my go-to choice for travel insurance every time.

Moran B. travelled to New Zealand 

Very satisfied with the service and ease of the process.

Was in the USA and daughter was unwell and had to see a doctor in emergency hospital…. I called Passportcard and whilst I was still on the phone in real time the funds were loaded onto the card. 

Jim travelled to USA

Fantastic- was so happy to find this company.

Affordable and so easy to deal with and covered my pre-existing medical condition that many other companies would not.

Sharyn travelled to the Pacific Islands

So easy and love the card so we’re not out of pocket for claims

PassportCard were easy to deal with, price was competitive and I love the idea of the card to settle claims instantly. 

HappyUpsider travelled to Fiji

Great cover, Caring Supportive Staff and got me to the birthday on time!

Passport card were calm and put me at ease, confirmed my cover. Offered me hotel accommodation or alternative flights and were able to get a flight direct to Portugal.

J Walker travelled to Europe

Great cover at affordable prices.

Great cover at affordable prices that fit our needs. Thanks

Ian travelled to South-East Asia 

I like it because it is simple

Good value and the gentleman I dealt with was very helpful and friendly.

Bob D. travelled to the Middle East

Our awards so far

LMI Claims Comparison 5*

Mansfield Award

Mansfield Award for Excellence in Speciality Claims 2019

* All benefits and covers are subject to the terms, conditions, limitations and exclusions listed in the Combined Financial Services Guide and Product Disclosure Statement and on other policy documentation, including the schedule.

Travel Alerts: World events and “Do Not Travel” advice may affect your policy. Please read our Travel Alerts . If you need emergency assistance, contact the 24/7 Global Assistance team on our reverse charge number: +61 1800 490 478

• ‹ Go to Travel Insurance Travel

TravelCard Real-Time Travel Insurance

• Reviews ( 63 )
• Q&A ( 5 )
• Value for Money 4.0 ( 50 )
• Transparency 4.1 ( 49 )
• Customer Service 4.1 ( 51 )

Unprofessional and poor service

Took out travel insurance with Travel Card in September 2022 for travel to China in March 2020. Travel company cancelled trip end February 2020. Started claim from Travel Card immediately. “Pandemic “ not a term being used by WHO at this stage. Travel Card claim for refund refused. Phone call from them unsatisfactory. Email follow up inferred we had cancelled not travel company and quoted pandemic in T&Cs. 2 days before proposed travel date in March, Travel Card sent 2 SMS advising us to “ take care & have a happy & safe trip”!!! Matter now es... Read more

Similar opinion? Write a review on ieatwords.com.au !

Marina W. Greater Melbourne (Metropolitan), VIC

Doesnt even rate a star - had to note one to post review.

Pathetic is a kind word for this organisation. I am in the same situation as other people - taken out well before the onset of Covid-19, and a pro-rata refund. In addition, rude staff. After asking the operator to contact me by email as she had called me during my workday, she ignored my request and continued talking. Will NEVER touch this company again.

Other Travel Insurance

Southern cross travel insurance, seniors travel insurance, fast cover travel insurance, worldcare travel insurance, deborah burgess greater melbourne (outer), vic, appalling service.

I took out travel insurance last October for travel this coming June. This insurance was taken out well before COVID-19 was even a thing! When I called to ask if I could claim recovery of my costs was told not covered because its a pandemic. So then I decide to cancel insurance. I am then told I am being penalised for taking insurance out so early as they will only pay me pro-rata! Are you kidding me. This is not stated in your product disclosure statement so I will take it further if I don't get a full refund. Mind you I have been in contac... Read more

Find out how TravelCard Real-Time Travel Insurance compares to other Travel Insurance

Know better, choose better.

Will.not cover pandemic ..bought insurance last year well before this became an issue ...should have used woolworths ..they are covering...i travel numerous times a year...they will never have my business again

Suzi Mid North Coast, NSW

We have used Travel Card many times for our business trips and family holidays, always found their cover and service good value. Our claim took longer than expected due to Coronavirus but we were pleased with the outcome. Will definitely use again when we are able to travel!

Levi Sydney, NSW

• Verified customer

Useless Now that we're in a Pandemic

Purchased a policy for China back on 25/09/2019 - yes last year. Now the policy is useless. Whilst I am not travelling to china until August this year, they dont cover anything now that it's deemed a pandemic. I have tried to speak to them via live chat, which is also hopeless. I did speak to someone who advised sorry, we don't cover you now, even though I bought it back in 2022, So the questions I have is why bother buying travel insurance ??? Next time i will go with covermore and use their cancel for any reason.

Customer Service TravelCard Real-Time Travel Insurance 2 months ago

Thank you for your feedback, it is greatly appreciated. We are sorry for the way this had made you feel. ... Read more

Levi 2 months ago

So basically I have donated my premiums, since really its kinda useless.

What's the point to call ?? to be told again that nothing can be done ?? ... Read more

If you have canceled your trip and would like to cancel your policy for a refund, please contact us on 1300 123 413 and we will be happy to help.

Self Funded Retiree Central Queensland, QLD

I took this insurance out before the Coronavirus was known. However, this insurer was very quick to drop your cover. What is the point in having Travel insurance? To cover you for the unknown like any insurance. Well Coronavirus was unknown when I took out the insurance. The good guys in insurance I think not. However, their policy can contradict each other in that you must abide by the Government. So if they say do not travel. You obey that clause of their policy but they won't pay cancellation cost because of it. Find another travel insurer.

Thank you for your feedback, it is greatly appreciated.

We understand that this is frustrating for you, and we are equally concerned that you have had this negative experience. That being said, like... Read more

Charmain Sales Perth, WA

Excellent service.

Very good travel cover. When ever we needed any assistance the insurer was readily available and easy to obtain multiple insurance. The insurer keeps my details and to renew insurance it was easy.

Review collected in partnership with TravelCard Real-Time Travel Insurance

Online Travel Insurance

1cover travel insurance, tid travel insurance direct, amazingly quick service dealing with our travel issues. couldn’t recommend more highly.

Great value policy, with simple transactions to set-up and very easy to use. No “see section 48.1” or hidden extras - just straight up simple travel insurance. Claims were handled quickly and hassle free which was very much appreciated.

eryn South East Queensland, QLD

Best travel insurance company.

The best travel company I've ever encounterd. My boyfriend was in hospital in Bali with no phone reception in Nusa Lembongan and over email travel card put the sufficient amount on our card to pay for our bills. this was at 3am in the morning aswell! Could not recommend enough!!

The reviewer stated that an incentive was offered for this review

Brearley J. Perth, WA

Wouldnt choose any other travel insurance company.

I was overseas and smashed my phone screen. Spoke to them over the phone, they added notes to my policy due to being unable to complete the claims form until I got home. Claim process was easy and processed within the 5 working days.

Customer Service TravelCard Real-Time Travel Insurance 3 months ago

Hi Brearley J,

Thanks for your great review and recommendation! We’re delighted to hear about your positive experience with the TravelCard and our timely claims process.... Read more

Gavin Mcglaughlin

Very excited un insurance company like.

Provided cover for pre existing cancer that no one else would touch Very supportive during trip when were needed Non combative over claims which were paid promptly Will never use anyone else

Michelle C. South-Eastern Region, NSW

Best travel insurance.

I used TravelCard insurance for the first time in December, unfortunately I had to claim, TravelCard went above and beyond to help me whilst overseas and to get me home.I would recommend and use again

Hi Michelle C,

Thanks for your great review and recommendation! We’re delighted to hear about your positive experience.... Read more

Trish B Gippsland, VIC

Great service..

Travel Card has proved to be highly successful - referred by local branch of Bendigo Bank and the whole procedure has run smoothly and efficiently. Recommend to everyone and I will be applying for travel insurance again this year with Travel Card. Thank you to all concerned.

Thanks for your great review and recommendation! If there’s anything else we can help you with in the future please don’t hesitate to contact us, we'd love to get the opportunity to quote you on your next trip.... Read more

Allianz Travel Insurance

Insureandgo australia, columbus direct, tick travel insurance, amanda barlow north western region, nsw, perfect travel card.

Excellent as we got sick in Bali and everything was covered, very easy to deal with and would definitely use this company again for travel insurance. Totally worth the money.

Jayne Dunbar

Excellent service.

Had to call Doctor in Bali for my two children, called Travel card, very easy to deal with, they gave us a PIN for our card and used this to pay the Doctor. Also claimed for flights/accommodation cost due to Jetstar flight. They approved the claim within a week! Couldn't be happier and will definetly use again.

Car Accident

the policy was ok value I found the team at Travel Card super easy to deal with I would recommend them for travel insurance but read the fine print as in my case I wasnt fully covered so do you homework

Thanks for your great review and recommendation! TIf there’s anything else we can help you with in the future please don’t hesitate to contact us, we'd love to get the opportunity to quote you on your next trip.... Read more

Suzanne Lawes

Extreme difficulty trying to top up card.

Not able to use website to add trip to existing card. Rang number on 4-5 occasions and was told each time they could only help me with a claim an someone would phone me back. This took place over a 3 week period. One lady told me she could not provide a policy for us. A gentleman rang after this and said we needed documentation from my partner’s specialist. I also sent an email. A supervisor rang and provided us with a policy.

Hi Suzanne,

Thanks for taking the time to leave us your feedback.... Read more

Excellent. I didn't claim but my daughter did.

1st Time with this company. Bali Sept 2022. TravelCard was the only insurer that provided Volcano Cover after the volcano on Bali erupted, this was confirmed via email correspondence so myself and daughter took out the insurance policy. My wife and myself did not claim on this trip but my daughter and family on a separate policy did. My daughter got Bali Belly and required 3 visits from a doctor plus antibiotics. I thought the doctors bill was very high but TravelCard Insurance fully covered the costs. There was some confusion as the doctor did... Read more

Great travel insurance

Policy was good value. The only drawback is you must send in a form as there is no online booking system available for their travel insurance. The best part is you get a Mastercard Debit Card so if anything happens overseas Travelcard puts $$ on to the card for use immediately. This Debit Card is valid for 2-3 years so you just keep this for any claims through Travelcard moving forward.

Hi Mary-Lou,

Thanks for your great review and recommendation!... Read more

Questions & Answers

Floss asked 2 months ago.

Now we have a pandemic announced We basically have no travel insurance! Do we get a refund on our premium paid, since you are not going to be covering us

Please contact us on 1300 123 413 and we will be happy to help you with cancelling your policy for a refund.

Regards, Lachlan

Floss 2 months ago

I’m enquiring about Level 4 travel ban. Are we entitled to a refund on premium paid???

If our pending trip is cancelled due to pandemic do we get a refund of our premium paid Purchased on 10/1/2020?

Terry B asked 2 months ago

If the airline cancels the flight am I still covered by insurance?

Your coverage will depend on the reason for why the airline cancelled your flights e.g. Strikes, weather, hijack, civil protest or accident.

Generally if the airline cancels a flight due to something that is within their control like engineering issues or issues relating to the operating of the flight e.g staffing requirements then there would not be coverage.

We advise that if you are overseas and your flight is cancelled please call our on trip assistance team on +61 2 7909 2777 OR if you are still in Australia and would like further clarification call 1300 123 413.

Terry B 2 months ago

If we need to cancel out trip, due to unforeseen circumstances eg illness does insurance cover all the accommodation cancellation fees as well as airfares?

Cheers for your enquiry.

Regarding cancellation due to illness, we will require medical documentation to confirm you cannot travel. In addition to this, we require confirmation of the diagnosis and the date of diagnosis. It’s a policy requirement to determine if the condition that has caused you to cancel is a pre-existing medical condition or not.

Please contact our claims team if you wish to discuss further

Get an answer from our members and TravelCard Real-Time Travel Insurance representatives

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11 Best Travel Insurance Companies in April 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Innovation in Travel Insurance

Posted on: June 9, 2019

Do you have a good understanding of travel insurance, or do you find it confusing and a bit of a hassle? We could have good news for you. There’s a relatively new option on the market, TravelCard which is a real-time travel insurance option. AND, GIA can help organise the TravelCard insurance solution for you!

Travel Insurance with TravelCard

Travelcard has three simple steps:.

• You buy a TravelCard insurance policy.
• You receive the Travelcard in the mail.
• If anything goes wrong while you’re away, funds can be instantly transferred to your card.

TravelCard has basically turned the claims process on its head – by paying you first and asking questions later (if at all). While this might sound too good to be true, there is some method to TravelCard’s madness.TravelCard uses data to look at claims of all different kinds, and look for patterns of what a ‘reasonable and customary’ claim looks like. If your claim fits this pattern, they’ll transfer the funds onto your card straight away.

But according to TravelCard CEO Michael Tauber , it’s not just big data that sets them apart. He says it’s the trust they place in their customers that is the real differentiator. In fact, looking at big data is only the second step of TravelCard’s verification process. The first “step” being:  “we choose to trust our members and believe what they say” .

“The one real word that differentiates us is ‘trust’. We like to think of ourselves as a family-based organisation and we treat our customers like family, choosing to assume the best in everyone,” Tauber told finder.

TravelCard’s strategy is a simple one. The increased frequency of payouts is offset by low admin costs and a high rate of repeat business. Tauber says 86% of customers purchase again and many of them refer friends and family.

Corporate Travel Insurance & Personal/Leisure Cover

There are three types of TravelCard cover. Businesses can opt for corporate travel insurance. Individuals can get leisure cover, and there’s also a ‘business class’ for employees which is relatively new.

Get Travel Insurance

Talk to us to find out more and see what type of travel insurance would best suit your situation.

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TRAVEL INSURANCE

Travel insurance for anyone, any condition. finally. introducing – travelcard..

Cursio Group has partnered with TravelCard to offer you a new and innovative type of travel insurance – TravelCard Real-Time Travel Insurance.

With TravelCard, spend less time worrying about medical expenses or lost luggage while you’re on holidays, and instead, spend more time having fun!

But can it cover my pre-existing condition I hear you say? Underwriters will carry out an over the phone medical assessment to determine the level of cover available for your condition based on a number of factors. Insurance is generally always offered however cover may be capped for certain expenses such as cancellation costs and medical expenses for claims that relate to your condition, or the length of your journey may be capped in more extreme situations. These variations to cover are always discussed with you and clearly presented on the quote.

ARE YOU TRAVELLING SOON?

To get your travel insurance quote click here, or contact cursio group on 03 9481 2222, real-time travel insurance.

Finally, an insurance provider that understands you and your medical condition. TravelCard can consider cover for any type of pre-existing condition. Simply call and speak with a member of the team and receive a quote.

Travelling and you have an accident or become unwell and need to see a doctor or visit a hospital? Luggage delayed? TravelCard is here to help.

Whatever the situation, simply call TravelCard on their 24-hour global assistance number (it’s reverse charged!) and the team will support you on the spot.

Plus, if you’re travelling as a family, TravelCard will insure your kids at no extra cost.

Cover and claiming made easy

Before you travel abroad, you can get covered in three simple steps:

• Buy a TravelCard insurance policy before you depart on your adventures • TravelCard will post the card to your nominated address • Call TravelCard for 24/7 Global assistance and claims on +61 2 7909 2777

Real-time benefits

TravelCard: Cover and claim in 3 simple steps

Before you travel abroad, make sure you’re covered in three simple steps:

Buy a TravelCard insurance policy

We can post the TravelCard to your nominated address

For 24/7 Global assistance and claims call Travel Card direct on +61 2 7909 277

About TravelCard

You know we’re passionate about supporting your health and wellbeing to make your life easier. Now TravelCard can make your travels easier too.

Whether it’s finding the nearest medical facility for you, or assessing and paying your approved medical expenses or delayed luggage claim on the spot, in Real-Time while you’re travelling, TravelCard are doing things differently to make your life easier.

Product Disclosure Statements

• Comprehensive Leisure International FSG & PDS (7th April 2018)

•  Comprehensive Leisure Domestic FSG & PDS (7th April 2018)

• Business Class for Employees FSG & PDS (7th April 2018)

• Corporate Annual Travel Insurance FSG & PDS (7th April 2018)

• Supplementary Product Disclosure Statement (20th June 2019)

TCA Insurance Services Pty Ltd (TCA) ABN 76 621 476 220 is an authorised representative (AR 1262773) of the Insurer, The Hollard Insurance Company Pty Ltd (Hollard) ABN 78 090 584 473 (AFSL 241436). Any advice provided by TCA in relation to the TravelCard Real-Time Insurance products and the TravelCard is general advice only. Please consider the Combined Financial Services Guide & Product Disclosure Statement and the TravelCard Terms & Conditions (available at www.travelcard.com.au) before deciding whether they are suitable for you.

• [email protected]
• 1800 328 959

“Real-Time Travel Insurance”

Bayinsure has partnered with market leading travel insurer TravelCard to provide peace of mind for your next holiday.

Bali belly in Kuta?

Wallet stolen in New York?

Broken bone in London?

Luggage lost in Singapore?

Travelcard is the only insurer to offer “Real-time” insurance claims payments while you are still travelling.

With 24/7 Global Assistance and Australian based support centre you can relax and enjoy your holiday knowing TravelCard has you covered.

Click the image below to arrange travel insurance for yourself or your family or call us on (07) 3393 3429 .

To arrange business corporate travel call us on (07) 3393 3429 or email [email protected] .

* The information in this article is general in nature and does not consider your personal situation or objectives nor does it take into account any specific insurance policy terms, conditions or exclusions.

Always read the relevant Product Disclosure Statement and our Financial Services Guide.

Speak with a Bayinsure Adviser for personal advice tailored to your specific needs and situation.

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Travel Insurance

We hope your travels are everything you are dreaming of and rest assured that we have got the back of every policyholder. we serve and will treat everyone like one of our family.You will find that we are a unique organisation, offering products and services unlike anything else in the market. We see ourselves as the ‘good guys’ doing what is great for customers and making life easy.

Click to view table of benefit

TravelCard is the only card that has  Real-Time Claims Payment, no excess on all claims, no out of pocket expenses, and no paperwork.

Market leading coverage for peace of mind

Real-time claims payments, without the wait

24/7 global customer service team

Nil excess on all claims

Unlimited Cover for Overseas Emergency

Medical & Hospital Expenses

Unlimited Cover for Trip Cancellation and Loss of Deposits

Cover for Luggage and Personal Effects

Children holidaying with their parents do so at no extra charge$8,000 for rental vehicle excess when their hire vehicle is damaged.

Cover for 72 pre-existing conditions.

Emergency replacement of personal belongings following the delay or loss of luggage up to a maximum of $600 for immediate purchase of essential items and $2,000 in total for delay more than 12 hours.

$4,000 for lost or damaged cameras and laptops.

No age restrictions (the insured person’s doctor must confirm fit to travel once over 85)

TravelCard is the first and only Real-Time claims payment card in Australia

TravelCard will approve claims in a matter of minutes and while on your trip

There are no foreign currency processing or monthly fees

Travel Card Inquiry

Fast medical access for sick kids

Solving annoying luggage delays

TravelCard – Real time benefits

Save on out of pocket expenses

Avoid Paying Excess

No Extra Charge

Testimonials

My daughter used TravelCard on her latest trip to Croatia. Her luggage didn’t arrive so she called TravelCard and the money was put on the card instantly for her to buy something to wear until her bags arrived the next day.

Wendy Kelly , TravelCard Customer

Thank you very much TravelCard for everything you have done for us. We could not have done this without you. The repatriation went smoothly and the TravelCard staff and all the doctors and nurses did a wonderful job.

Mrs Karamalis , Adelaide

Can’t thank TravelCard enough for arranging my trip from Geneva to Australia. The much-needed support they arranged at both airports was superb and, in my condition, it was a godsend. I arrived safely back home with minimal fuss

Damian Scantleberry , TravelCard Customer

Whilst travelling in the Greek Islands, I came down with a fever and a very sore throat. TravelCard explained that I was able to attend a private medical centre and loaded money on to my TravelCard to pay the medical centre on the spot. I’m very happy I had travel insurance with TravelCard

Eliza , TravelCard Customer

I spoke to a registered nurse when applying for a TravelCard insurance policy. She was fantastic; very helpful, very clear. she understood my medication and the reason why I had problems with my heart.It was such a relief to be interviewed by the nurse and not have to visit a doctor

Alessandro Silano , TravelCard Customer

TravelCard knew I was travelling in Italy when there was a disastrous bridge collapse, so they called me to ask about my wellbeing and if my travel plans needed changing

1300 446 787

Travel insurance, breeze into summer with effortless and innovative travel insurance.

With summer just around the corner, it’s time to cross travel insurance off your holiday to-do-list.

Introducing TravelCard, the world’s first Real-Time Travel Insurance.

TravelCard provides exceptional coverage for peace of mind when travelling. If the unexpected happens, TravelCard will ensure claims are assessed, approved and paid – all while you are travelling, with no out of pocket expenses.*

TravelCard offers great benefits including:

• Market leading coverage for peace of mind
• Real-time claims payments, without the wait
• 24/7 global customer service team
• Nil excess on all claims

No mountains of paperwork

• Unlimited Cover for Overseas Emergency Medical & Hospital Expenses
• Unlimited Cover for Trip Cancellation and Loss of Deposits
• Cover for Luggage and Personal Effects
• Children holidaying with their parents do so at no extra charge

TravelCard – Real-Time Travel Insurance

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TravelCard working on Australia comeback

06 june 2022.

TravelCard says its Australian business, placed in “hibernation” since October 2020 due to the pandemic, will offer “superior products” and “better user experience” when it resumes operations.

The broker-focused travel insurer is working to “restart” the local business, Corporate Ventures CEO Leor Catalan says.

TravelCard’s decision comes after Australia lifted its “Do Not Travel” global advisory in November last year, paving the way for insurers to again offer large-scale travel insurance sales. During the ban, residents required government permission to travel outside the country.

“We are super excited that international travel from Australia has finally resumed,” Mr Catalan told insurance NEWS .com.au.

“TravelCard is indeed working to restart operations in Australia with superior products and a better user experience than ever before.”

The “hibernation” applied only to quoting and issuance of new policies, with the business continuing to provide claims support for in-force policies during this period.

“While we hibernated new sales in Australia due to the restrictions on international travel, we maintained high service standards for previously sold policies continuously,” Mr Catalan said.

“We believe that, now more than ever, travellers appreciate travel insurance providers that offer more than just a financial arrangement, and are there to support them in real-time.”

Part of UK-based PassportCard Group, TravelCard launched its Australian business in June 2018 focusing on the broking channel.

Its policies, until the hibernation, were underwritten by Hollard and it was Steadfast’s travel insurance provider.

Hollard says it has no comment at this time on TravelCard’s plans to resume its operations here and Steadfast has been approached for a comment on the status of its working arrangement with the insurer.

In a separate announcement, TravelCard says it has been granted a US patent for an application it developed to enable real-time claims payout through a debit card. With the debit card, customers get access to a global and 100% cashless insurance service.

“With our technology being recognised to be unique, and other pending patents for additional innovation in customer experience, we are in a stronger position than ever to expand into additional territories,” TravelCard Group President Alon Ketzef said.

“We look forward to this next exciting step in our mission to bring seamless and fuss-free insurance to the masses.”

What are you looking for?

* Based on an Australian Government Rebate of %, % LHC loading , $ excess for a in .

UniHealth & TravelCard – making travel easier for you

We love our members. And TravelCard love helping people who travel. So we’ve joined forces to bring UniHealth members a new type of travel insurance – TravelCard Real-Time Travel Insurance.

What's new?

Travelling and need to see a doctor or visit a hospital? Luggage delayed? TravelCard is here to help.

Whatever the situation, simply call TravelCard on their 24-hour global assistance number (it’s reverse charged!) and the team will support you.

Whether it’s finding the nearest medical facility for you, or assessing and paying your approved medical expenses or delayed luggage claim on the spot while you’re travelling, TravelCard are doing things differently to make your life easier.

Plus, if you’re travelling as a family, TravelCard will insure your kids (up to the age of 25*) at no extra cost.

We're all about you

You know we’re passionate about supporting your health and wellbeing to make your life easier. Now TravelCard can make your travels easier too.

TravelCard Real-Time benefits^

• 24/7 Global Emergency Assistance
• Australian-based customer support team
• Claims (Medical, Delayed Luggage, and Theft of Money) paid in ‘Real-Time’
• Nil $ excess on all claims
• No out-of-pocket expenses, no mountains of paperwork
• Unlimited cover for amendments or cancellations
• Unlimited cover for overseas emergency medical and hospital expenses.

Find out more and get a quote here or call 1300 123 112 .

*’Kids’ refers to a financially dependant child or grandchild (including foster or adopted child) who is under 25 (twenty five) years at the time of the application for insurance.

^All benefits and covers are subject to the terms, conditions, limitations and exclusions listed in the PDS and the schedule.

TCA Insurance Services Pty Ltd (TCA) ABN 76 621 476 220 is an authorised representative (AR 1262773) of the Insurer, The Hollard Insurance Company Pty Ltd (Hollard) ABN 78 090 584 473 (AFSL 241436). Any advice provided by TCA in relation to the TravelCard Real-Time Insurance products and the TravelCard is general advice only. Please consider the Combined Financial Services Guide & Product Disclosure Statement and the TravelCard Terms & Conditions (available at  www.travelcard.com.au ) before deciding whether they are suitable for you.

Nadic Insurance Brokers Pty Ltd ABN 51 003 419 350, AFSL 233769 (Nadic) and its authorised representatives, including Teachers Federation Health Limited ABN 86 097 030 414, trading as UniHealth, are only distributors of TravelCard Real-Time Insurance products and the TravelCard. Neither Nadic nor UniHealth  sell, issue or guarantee these products. Description of product benefits and features are summary only. Benefits and covers are subject to terms, conditions, limitations and exclusions. Any advice is general and does not take into account your personal circumstances.  Financial services guide.

Links to other websites

The linked sites included on this webpage are not under the control of UniHealth and UniHealth is not responsible for the content of any linked site or any link contained in a linked site, or changes or updates to such sites. UniHealth provides these links in its capacity as an Authorised Representative of Nadic Insurance Brokers and for the convenience of its members. UniHealth receives a commission in line with their arrangements acting as Authorised Representatives for Nadic Insurance Brokers.

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• Toggle Dropdown Revenue & Valuation Competitors What Is TravelCard Real-Time Travel Insurance ? Employee Data News

TravelCard Real-Time Travel Insurance Revenue and Competitors

Sydney , aus, estimated revenue & valuation.

• TravelCard Real-Time Travel Insurance 's estimated annual revenue is currently $2.4M per year. (i)
• TravelCard Real-Time Travel Insurance 's estimated revenue per employee is $ 132,000
• TravelCard Real-Time Travel Insurance has 18 Employees. (i)
• TravelCard Real-Time Travel Insurance grew their employee count by 100% last year.

TravelCard Real-Time Travel Insurance Competitors & Alternatives Add Company

Welcome to TravelCard. TravelCard is part of an award-winning group of companies with over 1.5 million cardholders worldwide and is set to launch a revolutionary travel solution for brokers and their clients in Australia. TravelCard is part of PassportCard, a UK based company www.passportcard.com, that is a Joint Venture between White Mountains Insurance Group (NYSE: WTM) www.whitemountains.com/and DavidShield http://www.davidshieldgroup.com. Based on its Big-Data and predictive analytics technologies and global payment platform, PassportCard is operating in Israel, Germany and Canada. In less than 4 years, PassportCard Israel has achieved a 30% market share, high customer satisfaction and 85% customer return rate! As part of its global penetration strategy, we are currently expanding into the UK travel market, Scandinavia and other significant markets. WINNER of the ITIJ Specialist Service Provider of the Year WINNER of the ITIJ Marketing Campaign of the Year

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Travelcard real-time travel insurance news.

Best all-around travel card with a lounge network ... If you live in a smaller city that has few airport lounges but does have participating...

Online travel services firm MakeMyTrip on Tuesday said its fintech arm ... include currency exchange that offers real-time exchange rate,...

The card features a $300 travel credit that is applied automatically ... When you sign up for Real-Time Rewards, you receive a text message...

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How to use CLEAR for stadiums and arenas in 2024

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  

Heading to a game can be exhilarating—but if you’ve ever seen the long lines to get in, you can imagine how that excitement wanes as you’re standing outside, sometimes in sweltering heat, instead of getting through to your seats.

CLEAR has partnered with over a dozen locations in the U.S. to allow members quick access to bypass the normal long lines and get inside to enjoy the game quicker than ever before. And, while you might be familiar with the paid CLEAR Plus membership that helps you speed through the airport, you can access CLEAR Sports and Events for free.

What is CLEAR?

CLEAR was designed as a biometric program allowing travelers who pay a membership fee and pass a simple check to bypass the standard ID verification at security checkpoints in airports. 

A major choke point in airports is almost always the security line, and CLEAR allows its members to either scan their eyes or their fingerprints to verify that they are who they say they are. The CLEAR lines are typically much shorter, and you get to bypass the long security wait, head to the front, show the TSA officer your boarding pass, and you’re on your way.

Note that to use CLEAR to speed through the airport, you need a CLEAR Plus membership, which typically costs $189 per year for an individual or $189 a year plus $99 per person for a family membership. But there’s good news on two fronts—first, the right credit card might cover your CLEAR Plus subscription. For example, the American Express® Green Card charges a modest $150 annual fee and offers a credit of up to $189 annually to reimburse CLEAR Plus.

The second thing to get excited about is that you don’t need CLEAR Plus to use CLEAR at eligible stadiums and arenas. You just need the free membership option and the mobile app.

All information about the American Express® Green Card has been collected independently by Fortune Recommends™ .  

American Express® Green Card

Intro bonus, reward rates.

• 3x Earn 3X Membership Rewards points in expanded travel categories
• 1x Earn 3X points on eligible purchases at restaurants worldwide (including takeout and delivery in the U.S)
• All information about the American Express® Green Card has been collected independently by Fortune Recommends™.
• High earnings on travel and dining
• Membership Rewards points are valuable and flexible
• CLEAR Plus credit
• High annual fee for a mid-level travel card
• No trip cancelation insurance
• Additional benefits include a $100 LoungeBuddy benefit, trip delay and secondary car rental insurance
• Foreign transaction fee: None

What is CLEAR for Stadiums and Arenas?

Whether you’re a CLEAR Plus airport member, or just have a complimentary membership after signing up for the CLEAR app, you get access to CLEAR for Sports and Events. The free designated CLEAR lanes at stadiums allow all members to enter the various participating venues faster through these exclusive entrances.

The CLEAR lanes aren’t at each entrance at the arenas and stadiums, but there will typically be one or two special areas at the events that allow you fast, almost unfettered access.

How do I use CLEAR at stadiums?

The process couldn’t be any easier. You’ll need the CLEAR app, but the process is very straightforward.

First, download the CLEAR app (there’s no charge for this) and navigate to the Sports and Events tab.

Next, click “Get Started” and follow the enrollment steps. You’ll need to take a quick selfie to unlock the QR code in the app. This QR code is what you’ll show to the attendant to get through—then you can wave at everyone back waiting in the other security lines.

Where can I use CLEAR at stadiums and events?

Currently there are more than 15 locations across the U.S. that you can utilize your CLEAR app and get through to your game or event quicker than ever before.

Allegiant Stadium, Las Vegas, NV

The special entry lanes are at North Entry via lanes 49 and 50. CLEAR Lane is available at all Raiders home games, concerts, and events.

BMO Stadium, Los Angeles, CA

There are two entrances, at both the Northeast gate and the Northwest gates. CLEAR Lanes are available at Los Angeles FC and Angel City FC home games and select events.

Ball Arena, Denver, CO

You’ll find CLEAR at the Altitude Authentics entrance. If you’re heading to a Nuggets or Avalanche game or a special event, CLEAR will be open.

Barclays Center, New York, NY

If you’re heading inside from the Flatbush Avenue entrance, you’ll see both the normal and CLEAR entrances. CLEAR Lane is available at Nets and Liberty home games and all concerts and events.

Capital One Arena, Washington, DC

Head over to the 7th & G street at Gallery Place to find the CLEAR dedicated lane. CLEAR Lane is available at all Capitals and Wizards home games.

Chase Center, San Francisco, CA

Of all the entrances at the Chase Center, only the West entrance has the CLEAR lane. Warriors home games, concerts, and special events all will have CLEAR Lane access.

Coors Field, Denver, CO

Of all the gates at Coors Field, if you’re heading to the C gate, you’ll be rewarded with a CLEAR lane. Expect your lanes to be available at all Rockies home games, concerts, and events.

Kayesa Center, Miami, FL

Two options for CLEAR exist for the Miami Heat gates, at both gates 1 and 2. If the Heat are playing at home, the lanes will be open.

Lumen Field, Seattle, WA

The Seahawks and the Sounders both share Lumen Field in the Emerald City, and gate 3 holds your CLEAR experience. The CLEAR lane might not be available for special events, as its limited to only the home games for the sports teams.

Madison Square Garden, New York, NY

Chase B and Chase C at the MSG are your entrances. Look for them off of 8th avenue. CLEAR Lanes are available at all Rangers and Knicks home games, concerts, and events which is a big deal, considering the amount of special events that MSG holds.

Nationals Park, Washington, DC

Head to the center field gate with your QR code for fast access to Nationals Park. CLEAR Lane is available only for Nationals home games.

Oracle Park, San Francisco, CA

The Willie Mays Plaza houses the CLEAR entrance for anything happening at the Oracle Park. The CLEAR lane will be open for baseball games, but also for concerts and special events.

SAP Center, San Jose, CA

CLEAR access is at the South Gate for the SAP Center in San Jose, CA. If the Sharks are playing hockey at home, CLEAR has you covered.

SoFi Stadium, Los Angeles, CA

CLEAR can be found at gate 9 at the South Entrance at the SoFi stadium. Whether you’re seeing the Chargers or the Rams play, or heading to a concert or special event, expect to virtually fly through.

State Farm Arena, Atlanta, GA

Head straight down to your next Atlanta Hawks game at check out the CLEAR entrance at Gate 6. CLEAR Lane is available at all Hawks home games, concerts, and events.

T-Mobile Arena, Las Vegas, NV

Skip the line and the red velvet rope.  Feel like a VIP in Vegas at the CLEAR lanes at the Hyde Suite VIP entrance. Since this arena is a multi use event space, you’ll be able to have CLEAR access for all Vegas Golden Knights home games and all concerts and events.

Yankee Stadium, New York, NY

Head on over to the Babe Ruth Plaza and Suite entrance and gate 4 for your CLEAR access. CLEAR Lanes are available at all Yankees and New York City FC home games, concerts, and events.

Frequently asked questions

Does it cost extra to use clear at stadiums.

Using CLEAR at stadiums is absolutely free, so long as you’re a member and have the CLEAR app downloaded on your phone. You don’t need to be a CLEAR Plus airport member in order to use this service, but if you are, it’s included via your app.

Can I bring a friend with me through CLEAR at stadiums?

Unlike at the airport where every person using CLEAR must be a paid member, you’re allowed to bring one friend with you through the entrance at each stadium where CLEAR has a lane. Children under the age of 18 don’t need a pass and can always come through when accompanied by an adult.

Is using CLEAR worth it for stadiums and events?

Using CLEAR helps you skip the line to enjoy quick access to your event—but since CLEAR lanes are limited to certain entrances, plan out your path into the venue strategically. Stadiums can be pretty big, so if your seat is on the complete opposite side of the entrance that offers CLEAR, it may not be worth the extra walk.

How many stadiums and arenas offer CLEAR access?

At the time of this writing, 17 stadiums and arenas offer CLEAR lanes. These include Madison Square Garden in New York City, the Kaseya Center in Miami, and more.

Does my free CLEAR membership provide airport benefits?

While a free CLEAR membership can get you into eligible stadiums faster, it does not provide any airport benefits. For that, you need the paid CLEAR Plus plan. However, certain credit cards will reimburse you for charging a CLEAR membership to your account. 

The Amex Green, mentioned above, is an affordable option. For those able to make use of more extensive travel benefits and tolerate a higher annual fee, the The Platinum Card® from American Express provides a $189 yearly credit for CLEAR (in exchange for an annual fee of $695). 

To view rates and fees of the ‘The Platinum Card® from American Express , see this page .

The Platinum Card® from American Express

See Rates and Fees

Intro bonus

• 5X Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 on these purchases per calendar year)
• 5X Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel
• 1X Earn 1x points on all other eligible purchases
• Packed with valuable potential credits for digital entertainment, Equinox gym, Walmart+ membership, and more.
• Airport lounge access with a larger network than any other card
• Membership Rewards are valuable due to their flexibility.
• The multiple potential credits can be cumbersome to track.
• Sky-high annual fee
• Some of the perks can be hard to use if they don’t align with your lifestyle.

Other benefits

• Travel benefits including hotel and car rental chain statuses, car rental insurance, trip cancellation/interruption and travel delay protection
• Consumer protections including extended warranty and return protection

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.