The questions and answers provided on this page are a reflection of the most common enquiries our travel consultants recieve. If your question is not listed or the information you require is not here, please drop us a line or give us a call and we will be glad to help in any way we can.
All the information and answers provided are intended as a guide and do not take into account your personal needs and circumstances. For a more in-depth look at the benefits, inclusions, exclusions, terms and conditions and to help you decide if a particular travel plan suits your needs, we recommend you examine the full Product Disclosure Statement.
International Comprehensive, Budget Comprehensive, Annual Multi Trip, Australian Comprehensive and Australian Cancellation & Additional Expenses travel plans are covered under the TI29 Combined Product Disclosure Statement
School group travel both international and domestic is covered under the CS14 Toursafe School Groups PDS and for domestic school excursions (up to 12 days duration) please read the PDSSE24 SE24 School Excursion PDS.
1. What do I need to have to purchase an Easy Cruise Insurance policy online?
Personal information for all travellers who need to be insured including:
Full name
Date of birth
Residential address
Dates of travel
Destination(s)
Qantas Frequent Flyer membership number to receive points on eligible policies if you are a member. (Terms and Conditions)
2. Is there a cooling off period on your travel insurance?
Having purchased a travel policy, if you want to cancel it, you can do so within 21 days of receiving the Certificate of Insurance and obtain a full refund, provided no right or power has been exercised under it by you (e.g. No claim has been made) and your trip has not commenced.
We will arrange for a refund of the premium within 15 business days of you cancelling your policy. The cooling off period does not apply to policy or trip extensions.
3. What dates should I enter when getting a quote?
For single trip travel plans, International Comprehensive, Budget Comprehensive, Australian Comprehensive or Inbound, your policy start date is the date that you leave your usual home in Australia and the end date is the date that you return to your residence in Australia.
In the case of Annual Multi Trip Travel Insurance the commencement date is the date you would like your policy to start and should be your first date of travel and your 12 months of travel cover begins from the commencement date but you are covered free of charge for cancellation and other pre trip benefits as soon as you pay your premium which can be up to a year in advance.
If you're a regular traveller, whether it's overseas or within Australia, the Annual Multi Trip travel plan offers comprehensive cover for any eligible trip taken during your 12-month period of insurance with a maximum trip duration of 60 days. This way, you can take an unlimited number of trips without the hassle of buying travel insurance each time.
If you change your travel plans at any time, you can move the start date of all travel plans online or by giving us a call, provided your first nominated start date has not already passed.
4. What destination should I enter?
When cruising around Australia, even if your journey takes you into international waters you should still select Australia as your destination unless you will dock or disembark at an international destination and then you must select the country you are stopping at, even if it is just for a one day stop over.
It is important that you do not select international destinations for your travel insurance unless you will disembark at an international destination, even if you will cruise in international waters.
Some cruise companies sugest that you select a nearby country as the destiantion but this practice is not correct. For all Australian domestic cruises you should select the Australian Comprehensive travel plan as it has cover included for medical and dental along with all other benefits for cruising in and around Australia and the surrounding international waters.
For international cruises to a single overseas port, as with any other mode of travel, you would select the end destination but if you be cruising around a region which will include multiple international destinations or countries, it would be usual to select the country in which you will spend the most time. However, in some cases this is not practical if for example your cruise stops for one day in Spain, one day in Greece, one day in Portugal and so on, in which case you would select, a region, which in this case wold be Europe Central and Western.
Other regions are available to suit a wide range of itineries such as Europe Eastern or Fiji/Pacific Islands but if your cruise doesn't fit any options available and you are not sure of the correct destination, don't despair, we will be glad to help you make the correct selection.
5. What is an excess?
An excess will apply to each claim you make against your travel insurance polcy except on the applicable section of the policy wording listed as “No excess applies to claims under this benefit”.
You can choose your excess level from the available options on selected policy types.
The excess will be subtracted from the amount paid to you if you should make a claim under a section of the policy where the excess is applicable.
If you make more than one claim under your policy the excess will apply to each claim which arises as a result of each separate set of circumstances.
The amount of this excess will be shown on your Certificate of Insurance.
6. What cover is included on board ship?
All pre-trip benefits and applicable levels of cover as set out in the Product Disclosure Statement (PDS) are available when cruising on Easy Cruise Insurance travel plans.
This includes cover for medical and dental whilst on board ship, and when you disembark at overseas destinations. Levels of cover vary depend on the plan selected and you should examine the PDS to ensure the levels of cover are sufficient for your needs.
7. Can I extend my travel insurance from overseas?
In most cases your policy can be extended as many times as you like from anywhere you have access to the internet or a telephone.
Your International Comprehensive travel plan can be extended up to a maximum duration of 24 months from your original departure date for Australian resident and non-resident travellers under 70 years of age and up to the maximum total duration applicable to your age for Australian residents 70 years of age or over.
Budget Travel Plans may be extended in most cases up to 24 months from date of departure but extensions are subject, in some cases, to age and destination restrictions for travellers over 70 years of age.
Inbound Travellers under 81 years of age can extend for up to 12 months but conditions may apply depending on your destination and age.
Annual Multi Trip Travel Plans cannot be extended or renewed, and a new application is required for each subsequent year but policies can run consecutively to provide continuous cover. You can however apply for an International or Australian Travel Plan to cover the period of any trip that exceeds the maximum duration of 60 days provided the current policy has not expired.
Extensions for Australian Travel Plans are available to Australian residents regardless of age and for non-Australian residents under 70 years of age up to a maximum total duration of 12 months from date of departure.
Remember that extensions are only available before the current policy expires, so if you will be travelling and want us to remind you that your policy is due to expire while you are away, get in touch and let us know your preferred contact method while you are away.
When applying for an extension you must tell us if a claim has been made or pending, you suffer from an existing medical condition, or you have seen a medical or dental practitioner. In these circumstances an extension may not be available or special terms may be imposed.
The premium for an extension is calculated at the amount current at the time of the extension. Policy extensions post departure are subject to service fees.
8. How do I make a travel insurance claim?
Travel claims can be lodged 24/7 from anywhere in the world and claims can be lodged whilst you are away or on your return home.
Need to make a travel claim? Click here to make a claim.
You can help to speed up the processing of your claim by following the instructions on the claim form, which will advise you of what documentation you need to provide to support your claim.
9. How much does a travel insurance policy cost?
When calculating the cost of your policy we take a range of factors into account including; the travel plan selected, trip duration and cover for any of the additional benefits you choose.
The premium paid by you for the travel plan selected and any additional benefits will be shown on your Certificate of Insurance, including compulsory government charges (including Stamp Duty and GST where applicable).The policy is only valid when you pay the premium and we issue a Certificate of Insurance to you.
10. Who can buy this insurance?
Insurance is not available to travellers who have commenced travel and are outside of Australia, except on the Inbound Travel Plan and when extending an existing policy.
International Travel Plan – This policy is available to residents of Australia regardless of age however, if you are aged 80 years or over at the time the Certificate of Insurance is to be issued and you wish to purchase an International Travel Plan you will be required to complete a Travellers Medical Appraisal Form.
Non-residents of Australia under 70 years of age when the Certificate of Insurance is issued are also eligible to purchase this travel cover.
Annual Multi Trip Travel Plan - This policy is available to residents of Australia who are under 70 years of age at the time the Certificate of Insurance is to be issued. Non-residents are not eligible for travel cover with the Annual Multi Trip travel plan.
Australian Travel Insurance and Cancellation Cover - This policy is available to residents of Australia regardless of age and to non-residents of Australia who are under 70 years of age at the time the Certificate of Insurance is issued.
Budget Travel Insurance - This travel plan is available to residents and non-residents of Australia up to 80 years of age for travel to the UK, Asia, Tahiti, Indonesia, New Zealand and the Pacific Region and for travellers up to 69 years of age if going to the USA, South or Central America, Antarctica, Canada, Continental Europe, Middle East, Japan or Africa.
International, Annual, Australian and Budget travel plans must be issued prior to the commencement of your trip.
Inbound Travel Insurance - This travel plan is only available to non-residents of Australia who are under 81 years of age who are entering Australia on a temporary basis.
This policy is only available if your trip includes travel within Australia and is not available to cover you for travel to other countries other than for your return to your normal country of residence.
Inbound overseas visitor travel plans can be issued prior to arrival in Australia, or if you have already arrived in Australia, but waiting periods for some benefits may apply.
School Group Travel Insurance - The Toursafe School Groups International and Domestic travel plans are available to groups of 10 or more students and adults who are residents of Australia up to 60 years of age at the time the time of departure and the School Excursion travel plan is available to Australian students and adults regardless of age.
11. What is the definition of a resident?
For the purpose of buying travel insurance, a resident is anyone who currently resides in Australia, regardless of visa type, and is eligible for an Australian Medicare card.
12. Are group discounts available to all travellers?
Absolutely. Groups of 10 or more travellers purchasing our travel plans can be combined onto one policy and receive an extra 10% off the already discounted rate, PLUS every 10th traveller is covered FREE.
Use the Contact Us page to tell us your group trip details and one of our representatives will be able to help.
If you don't have 10 travellers in your group, don't despair! You can receive additional discounts by including 2 paying travellers onto one policy, and don't forget, accompanying children under 25 years of age can also be included on your International, Budget, Australian, Inbound and Annual Multi Trip Travel Plans FREE of charge.
13. How can I earn Qantas Frequent Flyer points just by buying travel insurance?
You can earn Qantas Frequent Flyer points on eligible travel insurance policies just by adding your Qantas Frequent Flyer member number when completing your application for travel insurance online.
Points are allocated at the rate of 1 point per $2 spent on the International, Australian and Annual Multi Trip travel plans. Points are not available on other travel plans.
You must be a Qantas Frequent Flyer member to earn points, membership to this program is your responsibility and a joining fee may apply.
Qantas Points may take up to 6 weeks to be credited to your Qantas Frequent Flyer account.
14. How do I amend my policy?
If you have a Travel Insurance Policy, you can log in and manage your policy online.
You will be able to: Buy additional benefits like Rental Vehicle Insurance Excess or Snow Sports cover and Specified Item Cover, Confirm a transaction, amend, extend or cancel a policy.
15. Who are Easy Cruise Insurance's Insurers?
QBE Insurance (Australia) Limited is a member of the QBE Insurance Group (ASX QBE). QBE Insurance Group is Australia’s largest international general insurer and reinsurance group, and one of the top 25 global insurers and reinsurers worldwide as measured by net earned premium. The company has been operating in Australia since 1886.
16. Why do I need travel insurance?
Travelling is fun and you shouldn't have to worry about losing your luggage, getting sick while you're away, being delayed or diverted due to bad weather or airline disruptions and cancellations.
Travel insurance provides peace of mind against:
Cancellation
Emergency travel expenses and accommodation
Overseas medical and dental expenses
Repatriation
Travel delay
It is critical to ensure you have suitable levels of cover to suit your needs, and to be completely clear on what is, and what is not covered so we urge you to refer to the Policy Disclosure Statement for full details of coverage to help you decide which product best suits your needs.
17. When does my policy start?
When purchasing online, you are covered immediately after we have received payment and provided you with a Certificate of Insurance.
Cover for cancellation begins on the date of issue of your policy and benefits under all other sections commence from the nominated departure date.
The 12 months cover on the Annual Multi Trip travel plan starts from your nominated commencement date or first day of travel, with all pre-trip benefits, such as cancellation cover being included free from the moment you pay.
18. Where can I find the Product Disclosure Statement (PDS) and Policy Wording terms and conditions?
See below links to PDS documents:
TI29 Combined International, Budget, Australian, Inbound and Annual Multi Trip Product Disclosure Statement
CS14 Toursafe School Groups PDS
PDSSE24 SE24 School Excursion PDS
19. What are the Emergency Assistance contact details?
You can call QBE Assist for help with a wide range of travel related topics from locating overseas hospitals, emergency services, embassies and consulates or for advice and assistance with claims, to obtain authorisation for treatments of services or even just to locate a local toilet or other emergency facility, 24 hours a day, 7 days a week, 365 days a year on 1300 555 019 or, for a full list of Freecall numbers from landlines worldwide please refer to our Emergency Assistance page.
A list of emergency contact details will be provided on purchase of your Certificate of Insurance. QBE Assist is wholly owned by QBE and is ready to offer advice and help travellers in the event of an accident, illness or mishap during their travel.
20. What are the claims department contact details?
Website: Visit https://travel.qbe.com/qbe/claims and follow the instructions.
Telephone: 61 +03 8523 2777
Email: travel.claims@qbe.com
