International travel insurance (2024)

Deakin provides travel insurance thatcovers medical and additional expenses as a result of injury or illness, emergency travel assistance, loss of baggage, loss of personal effects, personal liability, loss of deposits and additional travel expenses while on approved international study-related travel.

Duration of travel insurance cover

Once you have registered for travel insurance, thetravel insurance policy provides insurance cover for approved international study-related travel up to 12 months. This includes a maximum of 10 days leisure travel (either immediately before or after the study component – or a combination of both), at no cost to you.

When is insurance not provided?

Insurance cover is not provided where a journey is undertaken:

  • against the advice of a doctor
  • when the person is unfitto travel
  • for the purpose of seeking medical attentionfor a pre-existing condition.

This includes expenses incurred:

  • for any medication orongoing treatment for a pre-existing condition
  • in relation to aterminal condition, which wasdiagnosedprior tothe journeycommencing.

What is the excess?

A $0 excess applies to all medical claims.A $100 excess (deductible) applies to all non-medical claims.

When not to travel

Deakin students travelling on University-approved international travel must not travel to countries/cities/regions that are listed by the Department of Foreign Affairs and Trade (DFAT) as level 4 ‘Do not travel’. For a current listing of these destinations refer to theDFAT Smart Traveller website.

Registering for travel insurance

Students must complete the international travel insurance registration form and email it to travel.insurance@deakin.edu.au. The form should be submitted at least 10 working days prior to your departure. Your registration will be confirmed by email within three working days. Please note, you are not covered under the Deakin travel insurance policy until you are in receipt of a travel insurance confirmation email from the insurance office.

We recommend that you download a copy of the travel insurance schedule and for a copy of the travel insurance policy wording please contact the insurance office.

Emergency travel assistance contacts

Deakin has partnered with International SOS to provide travel assistance services. If you need any routine or emergency travel assistance, please contact international SOS at +61 2 9372 2468.

If you require medical and/or travel assistance that will result in an insurance claim, International SOS will then coordinate your case with Chubb insurance. Please liaise International SOS for all matters that require assistance.

Deakin's International SOSmembership number is 12AYCA655347

Additional leisure travel

If you are taking more than 10 days of leisure travel you will need to purchase a separate stand-alone private travel insurance policy to provide insurance cover for the additional leisure days (in excess of 10 days leisure travel), or for accompanying travellers, or for domestic travel within Australia.

Students that need to purchase a private travel insurance policy, should familiarise themselves with the details on the private travel insurance policy page.

Covid-19 FAQs

Pre-departure in Australia

I have contracted COVID-19 before my departure date – am I covered?

Yes, the policy will respond to any out-of-pocket expenses in relation to the cancellation of your travel. We encourage you to engage with your airline or travel agent in the first instance to recoup any cancellation costs.

All medical cover would fall under the Australian Medicare system or equivalent as the journey has not commenced.

My flight has been cancelled by the airline – am I covered?

If the flight has been cancelled due to a COVID-19 event, there is no cancellation cover afforded, however, we encourage you to recoup these costs through the airline or travel agent.If the flight has been cancelled in any other situation, then the policy will respond in its entirety.

During international travel

I have contracted COVID-19 while overseas – am I covered?

Yes, the policy will respond to medical treatment and related travel costs.

I have contracted COVID-19 overseas and wish to return home – am I covered?

Yes, the policy will respond to any subsequent out-of-pocket repatriation costs back to Australia.

I am travelling overseas, and they have just shut the border to that country – am I covered?

No, the policy will not respond to cancellation expenses, in the event the cancellation has been triggered by a non-medically related COVID-19 event.

The Australian Government has directed me to return home to Australia, as they are electing to close their borders again for the safety of Australian Citizens – am I covered?

No, COVID-19 has been a known event since the 2nd of March 2020 and the policy would not respond to these out-of-pocket expenses. This is a risk borne by travellers wishing to leave Australia in the current environment.

How to make a claim

Claims under all sections of the policy must be lodged as soon as possible after the date of loss.In order that your claim is processed quickly, please ensure you submit all supporting documentation (statements, receipts, valuations, accounts etc) with a fully completed claim form to travel.insurance@deakin.edu.au. We will then complete the approval part of section 3 and forward the documents to the insurer’s claims team at Fullerton Health.

Download the Corporate Services Network (CSN) international travel insurance claim form.

If you require any further information, pleasecontact Deakin'sinsurance office.

International travel insurance (2024)

FAQs

How much insurance do I need for international travel? ›

How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.

Is $250,000 enough for medical travel insurance? ›

Overseas travelers should have these minimum levels of protection: Medical Insurance Coverage - $100,000. Medical Evacuation Coverage - $250,000.

Should I get travel insurance for international travel? ›

Travel insurance covers numerous scenarios, from medical emergencies to tropical storms. It could be particularly useful if: You've spent a lot on prepaid, non-refundable expenses. You're traveling internationally where your health insurance won't apply.

Is $50,000 travel insurance enough? ›

Every plan is different, but the coverage amounts and benefits may vary. Determine how much you really need. For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas.

Does travel insurance cover 100%? ›

If all conditions are met, most of the policies will reimburse you 50% to 75% of your trip costs, unless otherwise noted.

What is not covered by travel insurance? ›

Reasonably foreseeable events. Known storms, epidemics, acts of war. Travel restrictions imposed by government authorities. Pre-existing conditions, unless the Premium plan is bought within the window for coverage.

Which health insurance is best for international travel? ›

Consider getting multiple travel insurance quotes through TravelInsurance.com to get an idea of the cost of coverage for your upcoming travel plans.
  • Allianz Travel Insurance: Best Overall.
  • AIG Travel Guard: Best for the Cost.
  • Generali Global Assistance: Best for Medical.

What is a good rate for travel insurance? ›

The average cost of travel insurance is about 3% to 5% of a trip's total value, according to quotes gathered by our research team across different travel insurance providers for various traveler profiles.

How much does international health insurance cost? ›

How much does international health insurance cost? The annual cost of an international medical insurance plan will range from as low as $500, with limited benefits, to as much as $8,000 for a comprehensive global medical insurance policy, including coverage in the USA. The average cost is $5,500 per year.

What are the disadvantages of travel insurance? ›

Cost: Travel insurance will add to the overall cost of your trip. Some may choose to forgo it to save money, especially on shorter or less expensive trips. Exclusions and Limitations: Policies may have various exclusions and limitations, so it's essential to read the fine print.

Can I use my US health insurance in another country? ›

Before you go, consider your insurance options.

U.S. Medicare and Medicaid do not cover medical costs overseas. Private U.S. insurance policies also might not cover any or all expenses. Check with your insurance before traveling to see if it provides coverage overseas.

Do US citizens need travel insurance for Europe? ›

Travel insurance is not required for U.S. citizens to enter Europe. Tourists traveling to countries that are part of the Schengen Agreement can enter with a U.S. passport. However, if you plan to stay in certain countries for more than 90 days, you may require a visa.

Which company's travel insurance is best? ›

The best travel insurance companies are Faye, Travelex and Nationwide, according to our analysis of over 49 policies. Travel insurance policies offer reimbursem*nt if your trip gets canceled for a covered reason, you incur emergency medical bills, and for other situations such as missed flights or baggage delays.

How much in advance should I get travel insurance? ›

When Is the Best Time to Get Travel Insurance? If you're wondering when you should buy travel insurance, the simple answer is as soon as possible. Ideally, you'll buy coverage no later than 15 days prior to your trip.

What happens if you have a medical emergency abroad? ›

The nearest US embassy or consulate can help travelers locate medical services and notify your friends, family, or employer of an emergency. They are available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, DC (888-407-4747 or 202-501-4444).

How much is travel insurance for international travel? ›

The average cost of travel insurance is about 3% to 5% of a trip's total value, according to quotes gathered by our research team across different travel insurance providers for various traveler profiles.

How much medical insurance do I need for travel to Europe? ›

A comprehensive travel policy with at least $50,000 in medical coverage is recommended when traveling to Europe or any country where you don't have health insurance. Travel medical insurance will cover expenses related to an unexpected injury or illness.

Which insurance is best for foreign travel? ›

Based on our comprehensive review, the companies offering the best travel medical insurance are Faye, IMG, Travelex, AIG Travel Guard and Allianz. Travel medical insurance is a specialized type of coverage that helps pay for medical bills and emergency evacuations if you're hurt or become sick while traveling.

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