Travel insurance helps protect you against unexpected expenses when you travel, from things like theft, accidents or medical problems. To find out more about the benefits of travel insurance, visit the Department of Foreign Affairs and Trade’s Smartraveller website.

You can cancel or change Your policy at any time before You leave Home. If You cancel this policy for any reason within the cooling-off period which is within 21 days of the date of purchase, We will give You Your money back. Our cooling-off period ensures a refund of the entire premium unless You [...]

As soon as you buy a Kogan Travel Insurance policy, we’ll email your policy documents to you. This means you can buy a policy right up until the minute you leave for your trip. It’s a good idea to print out your policy documents and carry them with you when you travel, and also leave [...]

If You are travelling and wish to be insured for longer than the original period shown on Your original Certificate of Insurance, You need to purchase a new policy by contacting us prior to the expiry date. It is not an extension of the previous policy. Your Certificate of Insurance will be adjusted with the [...]

The excess is the first amount of a claim that We will not pay for. It is deducted from Your claim if it is approved by Us. The policy excess will be applied after all other limits, sub-limits and other deductions (such as depreciation) have been applied. The excess applies per event i.e. If You [...]

“Existing Medical Condition” means a disease, illness, medical or dental condition or physical defect that, at the Relevant Time, meets any one of the following: a) Has required an emergency department visit, hospitalisation or day surgery procedure within the last 12 months. b) Requires: (i) prescription medication from a qualified medical practitioner; (ii) regular review [...]

Condition Criteria Acne No additional criteria. ADHD (Attention Deficit Hyperactivity Disorder) No additional criteria. Allergy In the last 6 months, You haven’t required treatment by a medical practitioner for this condition. You have no known respiratory conditions (e.g. Asthma). Anxiety You have not been diagnosed with Depression in the last 3 years. In the last [...]

If you have a condition that doesn’t meet the policy requirements for automatic cover, Kogan Insurance is unable to cover that condition under any of our travel insurance policies. However, your insurance will still cover you for a range of other conditions, along with all the other standard policy benefits.

You may have provision to claim for cancellation expenses if you are not aware of the medical condition before your policy purchase. However, the Claims Team will require all necessary supporting documentation in order to fully assess your claim.

Any dependants aged under 21 who don’t have a full-time job will be automatically insured if you name them on your insurance policy, as long as they travel with a parent, grandparent or guardian for 100% of the journey. And what’s even better — they get insured for free! And if you upgrade your cover [...]