Australian Unity Travel Insurance

Australian Unity is an Australian provider of travel insurance, health insurance, home loans, banking, investments and financial advice.

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The table below displays a snapshot of Australian Unity travel insurance policies on Canstar’s database, sorted by Star Rating (highest to lowest). Please note the products and Star Ratings displayed are based on a couple travelling to the USA aged under 70.

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What types of travel insurance does Australian Unity offer?

Australian Unity offers both domestic and international travel insurance. Its Comprehensive Travel Plan policy comes in three different flavours:

  • The International Travel Plan, covering you for a single trip overseas
  • The Multi-Trip Travel Plan, covering you for 12 months and any number of trips in Australia or overseas, for up to 60 days each
  • The Domestic Travel Plan, covering you for a single trip within Australia

Australian Unity also offers the Budget Travel Plan, which helps you save by only covering you for the basics such as medical and dental, as well as the Inbound Travel Plan, which covers foreign visitors working or holidaying in Australia on a temporary basis.

If you’re unsure as to which kind of travel insurance is most appropriate for you, or would like to better understand the differences between the different types of cover, check out our comprehensive guide on travel insurance.

What does Australian Unity domestic travel insurance cover?

For Australian Unity, domestic travel insurance is the domain of the Domestic Travel Plan and Inbound Travel Plan. The Domestic Travel Plan covers you for any trips within Australia or cruising in Australian waters; you’re covered for medical and dental expenses, cancellation and additional expenses, and evacuation and repatriation in the event of an emergency. You can also extend your cover at will, up to a maximum of 12 months from your date of departure.

The Inbound Travel Plan is a single-trip coverage plan for visitors to Australia, covering Australian medical expenses, cancellation and other travel costs, loss of luggage and other belongings, and rental vehicle insurance excess. You can also cover any dependent children under 25 years old for free.

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What does Australian Unity international travel insurance cover?

Australian Unity’s International Travel Plan insurance policy provides you with cover for a range of pre-existing conditions, medical treatment and evacuation, and provides options for rental vehicle excess and specified item cover. It also includes snow sports cover for travel to New Zealand, with the option to add this on for travel to other countries. Some of the major inclusions are:

  • Unlimited emergency travel, accommodation, evacuation and repatriation (both medical and non-medical)
  • Unlimited medical and dental expenses
  • Unlimited cancellation/deferment costs
  • Unlimited cover for hijacking
  • Personal liability up to $3 million

The Annual Multi-Trip Travel Plan covers you for 12 months from the start of your first trip; you can add your partner to the policy at any time, or add another adult prior to the start of the policy at no extra cost. Some of the major policy inclusions are:

  • Unlimited emergency travel, accommodation, evacuation and repatriation (both medical and non-medical)
  • Unlimited medical and dental expenses
  • Unlimited cancellation/deferment costs
  • Luggage and personal items up to $15,000 (sub-limits apply)
  • rental vehicle insurance excess up to $4,000

If you’re looking to save money, the Budget Travel plan covers you for unlimited overseas medical and dental expenses and up to $500,000 per person for evacuation and repatriation. The plan has a fixed excess of $150 and omits many inclusions of the more expensive plans, such as electronic items and trip resumption, in order to keep costs down.

Please note that several exclusions apply for some pre-existing conditions and activities; some examples include alcohol or substance addiction, travelling against medical advice, riding a moped or motorcycle, and participating in extreme sports. For more details about what is and isn’t covered, check out the Product Disclosure Statement on Australian Unity’s website.

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Australian Unity FAQs

Yes, Australian Unity’s international travel insurance policies, as mentioned above, have unlimited cover for overseas medical and hospital expenses, including both illness and injury.

Sub-limits apply to emergency dental treatment, cash allowance whilst in hospital, costs for an accompanying person, funeral expenses and claims relating to terrorism.

As always, various conditions and exclusions will apply; some examples of exclusions to medical cover include HIV/AIDs, any STIs, pregnancy after the twentieth week, elective or cosmetic surgery and accidents under the influence of alcohol or drugs. For more information, read Australian Unity’s Product Disclosure Statement.

Yes, Australian Unity will cover you up to a certain amount for replacing or reimbursing luggage and personal effects that are lost, stolen or damaged while travelling.

Under the International Travel Plan, the cover limit for baggage and personal items is $12,000 AUD, whilst the Multi Trip policy extends this to $15,000. Sub-limits apply to the maximum benefits for jewellery, computers, cameras and other specified items, while replacement passports and travel documents are covered for up to $3,000 ($2,000 under the Multi Trip policy) and emergency luggage for up to $500.

If you’re not sure what to do when your luggage goes missing, check out our guide on travel mishaps and how to avoid them.

Yes, Australian Unity travel insurance will cover up to a certain amount for lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances outside the traveller’s control on a policy. The International Travel Plan covers these for up to $2,000, while the Multi-Trip policy extends this to $3,000. Read the Product Disclosure Statement for more information.

You can purchase an Australian Unity travel insurance policy by first comparing your options with Canstar and then generating a quote online. Getting a quote from Australian Unity involves visiting its Travel Insurance page, and then clicking Apply Now for the policy of your choice. To get a basic quote you’ll need to fill in your departure dates, some basic details about the adults on your policy, and tick a few boxes regarding your destination; the whole process takes less than 30 seconds.

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You can lodge a claim with Australian Unity by calling its claims hotline 1300 734 729. This service underwritten by QBE and is available 24 hours a day, seven days a week, so you can make a claim instantly whenever something unexpected happens.

Check out our guide on how to make claiming for travel insurance easier.

Australian Unity is a mutual organisation that has been providing financial services to Australian communities for more than 175 years. First established in 1840, Australian Unity primarily focuses on three pillars: Health, Wealth and Living. Its subsequent core businesses are health insurance, banking, investments and financial advice, with offerings in many other insurance and credit products.

Australian Unity has been a long-time advocate for improved government policy. In the early years post-WW2, the organisation assisted soldiers returning from the battlefield to access cheap housing for their families; the 1970s saw Australian Unity lobbying for the mandatory use of seatbelts in Victoria, and in recent years the organisation has lobbied for a more efficient healthcare system and strong NDIS legislation.

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Canstar Research
Rating:
Award: Outstanding Value Travel Insurance

Written by: Sam Bloom | Last updated: