What is a pre-existing medical condition?

“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 [...]


Who can get insured?

Kogan Travel Insurance is only available to Australian residents, and you need to buy your travel insurance before you travel. Age restrictions also apply — our Basic and Comprehensive policies are available for travellers up to 79 years of age.


What does travel insurance cover?

All Kogan Travel Insurance options offer 24-hour worldwide emergency assistance. Plus, you’re also covered for overseas medical expenses. By choosing Kogan's International Plus policy, you’re also insured for things like travel delays and extra accommodation costs, accidental death, disability or loss of income from an injury. There is also rental vehicle excess cover in case your [...]


Can I adapt my cover if I have special requirements?

Kogan Travel Insurance is all about building your own travel insurance plan that’s right for your needs. Our International Essentials and International Plus options give you a world of choice, whether you’re on a tight budget, you’re looking for total protection. And we’ve made it even more flexible, with options like $0 excess, winter sports [...]


Why do I need travel insurance?

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.


What happens if I change my mind and want to cancel the policy?

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 [...]


When do I receive my policy documents?

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 [...]


How do I extend my policy?

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 [...]


What is an excess?

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 [...]

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