virgin australia travel insurance

Travel Insurance You Can Trust.

Earn Velocity Points with Cover-More travel insurance

Earn Velocity Points when you cover your next trip with Cover-More travel insurance. As a member at every level of the Velocity Status program you can earn Bonus Points in addition to base Points earned 1 .

**  Cover-More Travel Insurance - Australia

Limits, exclusions and conditions apply. This is general advice only. Velocity Frequent Flyer Pty Ltd (ACN 601 408 824, AR 1239355) is an Authorised Representative of Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) who arranges the insurance on behalf of the insurer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Please consider your own needs, financial situation and objectives and read the Combined FSG/PDS before deciding to buy this insurance. For information on the Target Market and Target Market Determination for these products, contact us on 1300 135 769 Money back guarantee available when you cancel your policy within 21 days of purchase provided you have not made a claim or departed on your journey. Please allow up to 14 days from travel start date for Points to appear in your Velocity account. Points may not be allocated where the policy is cancelled or refunded.

Cover-More Travel Insurance - New Zealand

Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More (NZ) Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. Consider the Policy Brochure and wording therein before deciding to buy this product. For further information see Zurich New Zealand’s financial strength rating. Money back guarantee available when you cancel your policy within 14 days of purchase provided you have not made a claim or departed on your journey. Please allow up to 14 days from travel start date for Points to appear in your Velocity account. Points may not be allocated where the policy is cancelled or refunded.

Virgin Travel Insurance Review

Round-the-clock emergency assistance and unlimited cover for trip cancellations are just 2 reasons to choose virgin travel insurance..

In this guide

Compare your travel insurance quotes

Summary of virgin money's comprehensive cover policy, what cover options are available from virgin and what exactly do they provide, 1. international travel cover, 2. virgin domestic travel insurance, 3. virgin multi-trip travel insurance, looking for some extra cover for your trip additional options you may want to consider, what are the benefits and what are the drawbacks of virgin travel insurance, what is the maximum age i can still get travel cover, if something happens how do i make a claim, faqs about virgin, why choose virgin for your trip.

Destinations

Our Verdict

• Virgin Travel Insurance is one of the few providers we found that regularly offers discounts on its products, including for existing customers. Keep an eye out for the latest deals on their website.
• This provider offers a flexibility with its travel plans, with 6 cover types including 2 for domestic travel.
• We compared 10 leading travel insurance brands and found that Virgin Travel Insurance offered comparatively limited seniors cover, with a maximum age of 74 on some of its policies (correct as of June 2021).

Virgin Money Australia has expanded its insurance portfolio and now offers comprehensive travel insurance plans for both domestic and international trips to suit a range of needs and budgets.

You can compare the features of various Virgin Travel Insurance policies by using the table below and get a free quote.

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Who underwrites Virgin Travel Insurance?

Table updated August 2021 *Note: 'Unlimited' means that there's no capped dollar sum insured, however, other conditions and exclusions may still apply.

How can this page help me decide if Virgin Money Travel Insurance is right for me?

• What cover options are available from Virgin?
• Additional options you may want to consider
• What are the benefits and what are the drawbacks?
• How much excess do I have to pay when I claim?
• Frequently asked questions about Virgin

Whether you are a one-off or regular traveller, globetrotting around the world or keeping it local, you may be able to find suitable travel insurance cover with Virgin that you can more closely tailor with a range of extras.

If you are looking to secure a travel insurance plan for a single overseas trip, Virgin offers different levels of cover available to single travellers and family. For international travel, there are three cover levels that you can choose from:

• Comprehensive

How does each level of cover compare with another?

Table updated August 2021

Virgin Travel Insurance also provides comprehensive protection cover for applicants looking to take a trip locally in Australia. Going for a snowy adventure or hitting the golf clubs to practice your tee shot? You can take up additional sports cover to help protect yourself against loss or damage of sports equipment. Domestic cover from Virgin is available as a single or family plan.

What is covered under domestic travel insurance policies?

If you regularly travel overseas or locally, either for work or holiday purposes, you can take advantage of Virgin Multi-Trip insurance that provides cover for unlimited journeys within a 12-month period. Virgin Multi-Trip Travel Insurance cover is available as a single plan. However, if you take your spouse/de facto partner and/or children with you on these trips, they will be covered automatically.

What is covered under multi-trip travel insurance policies?

• Overseas emergency medical assistance
• Overseas emergency medical and hospital expenses
• Accidental death
• Permanent disability
• Cancellation fees and lost deposits
• Additional travel and accommodation expenses
• Travel delay expenses
• Alternative transport expenses
• Travel documents, credit card and cheques
• Theft of cash
• Loss of luggage and personal effects
• Luggage and personal effect delay expenses
• Personal liability
• Rental vehicle excess

Going away for a Ski Trip? Learn more about Ski Travel Cover

With Virgin Travel Insurance, you have the flexibility to tailor your policy of choice with additional cover options. These options will incur additional premiums:

• 24/7/365 Emergency Assistance. Virgin Travel Insurance is underwritten by Allianz who provide emergency assistance with Allianz Global Assistance.
• Claims process is quick. With Virgin Money you can access guidance for the travel insurance claims process – you call it up and the claims team can guide you through the claims process.
• Cooling off period. Virgin Travel insurance has a 14-day cooling-off period in case you change your mind or travel plans.
• No increased cover for expensive items. You cannot purchase increased cover for jewellery or Snow Sport Equipment.
• No one-way policies. Virgin Travel Insurance only covers trips that start and end in Australia.
• No already overseas option. You cannot take out cover after you have begun your trip.
• Limited seniors cover. Some Virgin Money travel insurance policies have a maximum age of 74 for policyholders.

Check if there are any active Virgin Travel Insurance coupon codes

You can make a claim by downloading a claim form and submitting your claim with the appropriate supporting documents

What documents will I need to provide with my claim?

• Police reports
• Medical reports
• Original receipts or proof of purchase and ownership

How long will it take for claim to be processed?

Questions about applying, q. who can purchase virgin money travel insurance policy.

• A. You are eligible for cover if:
• You are an Australian resident.
• You are taking out cover prior to the start of your journey.
• Your trip begins and ends in Australia.

Q. Which age group is eligible for Virgin Travel Insurance cover?

• A. The age limits will vary depending on type of cover you are looking to apply for:
• Single Comprehensive and Domestic – 16 years old and over
• Multi-Trip and Basic – 16 to 74 years old
• Essentials – 16 to 69 years old

Q. When should I buy my travel insurance policy?

• A. You may want to take out Virgin Travel Insurance cover as soon as you put down a deposit or fully paid for your trip, or up to 12 months before your departure date.

Q. When will my travel insurance cover start?

• A. Your policy will be active on the date you purchase your cover. You will receive an email confirmation and Certificate of Insurance after application.

Questions about cancelling policies

Q. can i cancel my virgin travel insurance policy.

• A. You can cancel your cover within the 14-day cooling off period and you will get a full refund of premiums paid. Conditions apply.

Questions about coverage

Q. will i be covered if i have a pre-existing medical condition.

• A. Virgin Travel Insurance Australia provides cover for pre-existing conditions specified on the policy. Conditions may apply depending on the nature of the condition.

Q. Does Virgin Travel Insurance cover one-way trips?

• A. No. For Australia, Virgin Money Travel Insurance only provides cover for trips that start and end in Australia.
• Travel with one of Australia’s largest general insurance providers. Despite being a newcomer to the travel insurance market, Virgin Money Australia is one the nation’s leading financial institutions. Virgin Travel Insurance policies are underwritten by Allianz Australia, one of the largest travel insurance groups in the country.
• Different options to suit many travellers. Virgin Travel Insurance has developed a variety of travel plans with features and benefits to suit different kinds of travellers and their needs. Looking for a basic cover? Virgin Travel Insurance offers Basic or Essentials cover for when you travel abroad. Want top level cover? The Comprehensive cover might be a suitable solution for overseas trips. Domestic travellers can also benefit from two levels of travel cover available through Virgin.
• Tailor your policy to more ideally suit your needs. You can customise your travel protection plan by adding different options to suit your needs. Depending on the type of cover that you opt for, you can choose to add sports cover, get extra cover for your valuables and luggage, or increase your rental vehicle excess.
• 24/7 emergency assistance no matter where you are in the world. With the support from Allianz Global Assistance, you can benefit from global emergency assistance with access to doctors, nurses and support staff; available 24/7 to Virgin Travel Insurance policyholders.
• 14-day cooling off period. Once you have purchased your Virgin Money Travel Insurance policy, you have 14 days to be sure that you have made the right decision. You can cancel your cover within this period and you will receive a full refund as long as you have not commenced your trip or made a claim.
• Cover for 36 pre-existing medical conditions at no extra cost. If you have a pre-existing medical condition, Virgin Travel Insurance provides cover for applicants with any one of the 36 listed on your policy at no extra cost. Virgin may offer full cover as long as you have not been admitted to a hospital for the elected condition in the 24 months prior to your policy’s commencement date. Some of the pre-existing medical conditions that Virgin travel insurance will cover include:
• Carpal Tunnel Syndrome
• Diabetes Type I and II
• Hypertension
• Hypothyroidism
• Macular Degeneration

Jessica Prasida

Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification. See full profile

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Virgin offers high quality, affordable insurance policies for your travel needs. Discover deals and offers on Virgin Travel Insurance from finder.com.au.

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18 Responses

I’m looking for travel insurance. I’m on a 12-month visa here in Australia and I’d like to get comprehensive insurance for 12 months to cover my trip to the US in April. Can I get insurance for all my stay here in Australia? I’m from Ireland and I’m 68 years, healthy no illnesses.

Thank you for getting in touch with Finder.

General eligibility requirements for inbound travel insurance include:

• You must be a non-resident of Australia travelling to Australia for a temporary period and then returning to your home country
• You must be under 81 years of age at the time the policy is issued (age limits vary between insurers)
• Your trip must include travel within Australia
• You must have purchased cover less than 12 months prior to arriving in Australia

Since you have arrived in Australia and considering getting travel insurance for your trip to the US in April, you can check some non-resident travel insurance . I suggest that you contact your chosen insurer directly to know your cover well before leaving for your trip.

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

Can I book travel insurance outside of Australia? I am currently working in Japan then travelling to Thailand and UK. I am an Australian citizen.

Thank you for reaching out to Finder.

I’m afraid you may not be qualified to get one from Virgin Travel Insurance. Their insurance is backed by Allianz and they require that your journey should commence and end in Australia. You may want to check travel insurance for Australian expats to check your options. The page also discusses the types of cover that may be available for expatriates, coverage FAQs, etc.

Hope this helps and don’t hesitate to contact us back if you require further assistance.

Kind Regards, Mai

Hi, does this insurance cover cruises in Europe – italy/croatia/greece?

Hi Rosemary,

Thank you for leaving a question.

Yes, Italy, Croatia and Greece are covered by Virgin International Travel Insurance. Hope this helps!

Cheers, Reggie

What about disaster insurance cover for Bali?

Thank you for your inquiry.

Based on the Product Disclosure Statement of Virgin Travel Insurance, there is coverage when it comes to natural disasters when the natural disaster will affect your mode of transport. You may want to refer to our guide to Virgin travel insurance to know which cover options are available.

We also have a dedicated page for travel Insurance for Indonesia . Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

I have cover 22/5 to 6/6 had slight accident left paperwork at home.can you provide claim number. Cut to eyebrow going to emergency hospital

Hi Shirley,

Thanks for your question.

If you would like to make a claim with Virgin Travel Insurance, you will need to contact them directly or download a claim form from their website and submitting your claim with the appropriate supporting documents which includes police reports, valuations, medical reports, and original receipts or proof of purchase and ownership.

Please make sure to revisit the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a claim.

I hope this was helpful, Richard

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If you're going overseas, travel insurance is just as essential as your passport. Use our free comparison tool to narrow down international single trip and annual multi-trip policies from 27 insurers, offering cover for COVID-19, existing medical conditions, car rental and more.

Travel insurance is a portable version of health, home, contents, life, public liability, and car rental excess insurance all packaged in one to take on holidays with you. But with all those insurances piled into one product, navigating your way through the terms and conditions to find the loopholes can be very challenging.

Use our travel insurance comparison to narrow down your options and make sure you're getting the best cover for your needs when on holiday.

List of brands we tested in this review.

• Battleface 2
• Cover-More 5
• FastCover 4
• Flight Centre 4
• Go Insurance 4
• InsureandGo 3
• Southern Cross Travel Insurance (SCTI) 3
• Tick Travel Insurance 4
• Travel Insurance Direct 3
• Virgin Australia 5
• WAS Insurance 2
• World Nomads 2
• World2Cover 4

The average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). One $ sign is the cheapest through to five $$$$$ the most expensive. NA means the policy wasn't included in the price rating.

enter value/s in increments of 1 between 0 and 0

Policy type

• One trip 65
• Policy age limit

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Does the policy cover international cruises?

• Optional 71

Medical expenses for COVID-19

Whether the policy covers you for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from COVID-19. Cover is assessed on individual circumstances.

Cancellation expenses for mental health

Whether the policy covers you for cancellation expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD. Cover is assessed on individual circumstances.

• Cancellation for insolvency of a travel services provider

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Cancellation expenses for a natural disaster

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from a natural disaster. Cover is assessed on individual circumstances.

Cancellation expenses for civil unrest

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from civil unrest such as political protests, riots and strikes. Cover is assessed on individual circumstances.

• Baggage cover

Are stolen or damaged personal belongings covered

• Limit for baggage expenses

The overall limit for stolen or damaged personal belongings.

• Limit for a smartphone

Limit for a smartphone. Cover is assessed on individual circumstances.

• Limit for a laptop or tablet

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

• Limit for rental car excess

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

• Scuba diving

Does the policy cover scuba diving if you are appropriately certified or diving with a qualified instructor?

Skiing and snowboarding on-piste

Does the policy cover skiing and snowboarding on-piste?

• Optional 82

Skiing and snowboarding off-piste

Does the policy cover skiing and snowboarding off-piste withing the resort boundaries?

• Optional 72

Tobogganing

Does the policy cover tobogganing on snow?

• Optional 50

Does the policy cover riding a moped with an engine capacity 50cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 32

Moped 125cc

Does the policy cover riding a moped with an engine capacity 125cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 28

Does the policy cover riding a motorcycle with an engine capacity above 125cc with an Australian motorcycle license and a helmet?

• Optional 34

Included in this comparison

• Price rating
• Dependant age limit
• Cancellation
• Pregnancy stage covered
• Childbirth costs
• Pre-existing conditions covered without application
• Pre-existing conditions covered on application
• Time period for existing conditions
• Medical expenses
• Expenses for a person to accompany a sick policyholder
• Daily hospital cash allowance
• Hours of hospitalisation before receiving allowance
• Dental expenses for accident or injury
• Dental expenses for acute pain
• Overseas funeral costs
• Additional travel expenses for injury or sickness
• Additional expenses for interrupted travel
• Travel insurance extension for a delayed trip
• Additional expenses for a lost passport
• Additional expenses for a sick relative
• Additional expenses for resumption of journey interrupted for a relative
• Cancellation covered
• Cancellation expenses
• Cancellation for frequent flyer points
• Cancellation expenses for travel agent fees
• Cancellation for insolvency of a travel agent
• Cancellation expenses for redundancy
• Cancellation expenses for defence and emergency workers
• Cancellation expenses for cancellation of work leave
• Cover for transport incidents
• Cover for strikes
• Cover for mental health
• Cover for COVID-19
• Cover for pandemics
• Cover for natural disasters
• Cover for civil unrest
• Cover for terrorism
• Cover for war
• Additional expenses for a special event
• Additional expenses for pre-paid travel arrangements
• Limit for travel delay expenses
• Hours before travel delay covered
• Limit per 24 hours for travel delay
• Limit for a single unspecified item
• Limit for a video or photo camera
• Limit for prescribed medications
• Overall limit for specified items
• Cover for baggage in a car during the day
• Cover for baggage in a car overnight
• Cover for valuables in a car
• Cover for lost or stolen cash
• Limit for baggage lost temporarily
• Hours before cover applies for baggage lost temporarily
• Rental car excess
• Snow sports
• Mopeds and motorcycles
• Bungee jumping
• Horse riding
• High altitude hiking
• White water rafting
• Paragliding
• Hot air ballooning
• Hang gliding

Displaying all 91 products

• Brand (A-Z)

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

Your filters

This overall score is based on our expert assessment of what the policy covers, price and how easy it is to understand and buy. A higher score is better.

1Cover Comprehensive

1Cover Frequent Traveller

1Cover Medical Only

AANT Annual Multi-Trip

AANT Basics

AANT Essentials

AANT Premium

AHM Comprehensive

AHM Comprehensive Multi-Trip

AHM Medical Only

Battleface Covid Essentials

Battleface Discovery

Cover-More Basic

Cover-More Comprehensive

Cover-More Comprehensive Multi-Trip

Cover-More Comprehensive Plus

Cover-More Comprehensive Plus Multi-Trip

FastCover Basics

FastCover Comprehensive

FastCover Frequent Traveller Saver

FastCover Standard Saver

Flight Centre Multi-Trip YourCover Essentials

Flight Centre Multi-Trip YourCover Plus

Flight Centre YourCover Essentials

Flight Centre YourCover Plus

Go Insurance Go Basic

Go Insurance Go Basic Annual Multi-Trip

Go Insurance Go Plus

Go Insurance Go Plus Annual Multi-Trip

InsureandGo Bare Essentials

InsureandGo Gold

InsureandGo Silver

Jetstar Comprehensive

Medibank Comprehensive

Medibank Medical Only

Medibank Multi-Trip Comprehensive

NIB Annual Multi-Trip

NIB Comprehensive

NIB Essentials

NRMA Comprehensive

NRMA Comprehensive Multi-Trip

NRMA Essentials

Qantas Annual Multi-Trip

Qantas International Comprehensive

RAA Essentials

RAA Multi-Trip

RAA Premium

RAC Annual Multi-Trip

RAC Comprehensive

RAC Essentials

RAC Medical Only

RACQ Annual Multi-Trip

RACQ Premium

RACQ Standard

RACT Annual Multi-Trip

RACT Comprehensive

RACT Essentials

RACV Annual Multi-Trip

RACV Basics

RACV Comprehensive

RACV Essentials

Southern Cross Travel Insurance (SCTI) Annual Multi-Trip

Southern Cross Travel Insurance (SCTI) Comprehensive

Southern Cross Travel Insurance (SCTI) Medical Only

Tick Travel Insurance Basic

Tick Travel Insurance Budget

Tick Travel Insurance Standard

Tick Travel Insurance Top

Travel Insurance Direct Annual Multi-Trip

Travel Insurance Direct Basics

Travel Insurance Direct The Works

Virgin Australia International Plan (bought with flight purchase)

Virgin Australia Travel Safe International

Virgin Australia Travel Safe International Multi-Trip

Virgin Australia Travel Safe Plus International

Virgin Australia Travel Safe Plus International Multi-Trip

WAS Insurance Covid Essentials

WAS Insurance Discovery

Webjet Travel Safe International

Webjet Travel Safe International Multi-Trip

Webjet Travel Safe Plus International

Webjet Travel Safe Plus International Multi-Trip

World Nomads Explorer

World Nomads Standard

World2Cover Annual Multi-Trip

World2Cover Basics

World2Cover Essentials

World2Cover Top

• Insurance provider

Product selected for a detailed comparison

• Travel Insurance Compare Our Plans Popular Benefits COVID-19 Benefits International Plans Domestic Plans Comprehensive Insurance Annual Multi-Trip Inbound Plan Cruise Ski & Snowboard Motorcycle & Moped Adventure Activities Seniors Medical Conditions
• Emergency Assistance
• Travel Alerts COVID-19 International Travel Tool Cover-More App
• Manage Policy
• travel_explore Not sure? See region list.

Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on AEST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Travel with Cover-More and Earn Velocity Points

You can now earn Velocity Points on your travel insurance purchases with Velocity Frequent Flyer. For every $1 you spend with Cover-More, you can earn 3 Velocity Points* and be part of the award-winning frequent flyer program of Virgin Australia.

Join the program and start earning points as you travel around the world. Redeem your Velocity Points for flights, upgrades, accommodation, car hire and much more. Check out the Velocity Redemption Page to see how you can spend your Velocity points!

Follow these steps to be on your way to rewards:

• Sign up to the Velocity Frequent Flyer Program if you haven't already.
• Get a travel insurance quote for your trip directly from our website or over the phone.
• Include your Velocity membership number at the checkout.
• Finalise your Cover-More travel insurance. 

What travel insurance policies can I earn Velocity Points on?

Velocity Points are available when you purchase a Single Trip or Annual Multi-Trip plans. To be eligible, you must purchase from covermore.com.au or via our telephone sales team on 1300 72 88 22.

When will my Velocity Points be transferred into my account?

Velocity Points are credited into your account once your trip begins. It can take up to 24 hours to show in your account.

How do I add my Velocity membership after I have already purchased travel insurance?

To add your Velocity membership number to your policy, contact us on 1300 72 88 22. Our customer service team can add your membership number so you don’t miss out on earning Velocity Points! Ensure this is done within 90 days of your Cover-More purchase in order to be eligible for points.

Can I get Velocity Points if I purchase travel insurance through my travel agent?

For this promotion, you must purchase your travel insurance directly from this website or via our telephone sales team. You can earn 3 Velocity Points for every $1 you spend with us.

Can I buy travel insurance using my Velocity Points?

No. You are not able to use Velocity Points to purchase any of our travel insurance policies. Cover-More accepts payment via Visa, MasterCard, American Express or PayPal.

What happens if I am missing Velocity Points?

If you need to claim missing points, please email [email protected] . We will be in touch with you within 10 working days. You will need to provide the following details to us:

• Velocity membership number
• Member first name
• Member surname
• Date of transaction
• Value of transaction
• Policy number

Please allow up to 14 days for Velocity Points to appear in your account from the start date of your policy before raising a Missing Points Claim.

Not a Velocity member? Here’s how to join

Becoming a Velocity member is easy! Simply sign up for free at Join Velocity and start earning Velocity Points today. For more information about Velocity Frequent Flyer visit velocityfrequentflyer.com .

* Points are credited into your account once your trip begins and can take up to 24 hours to show in your account. Velocity Member Terms and Conditions apply. Offer available on policies purchased 2 February 2016 onwards via www.covermore.com.au .

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• Annual Travel Insurance
• Cruise Travel Insurance
• Family Travel Insurance
• Seniors Travel Insurance
• Ski Travel Insurance
• Budget Direct
• Fast Cover Travel Insurance
• Insure4Less
• InsureandGo
• Simply Travel Insurance
• Ski-Insurance
• Travel Insurance Saver
• Travel Insuranz
• Wise Traveller
• Zoom Travel Insurance
• See more companies...
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• Covid-19 Help
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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Virgin Money Travel Insurance Reviews

Virgin Money Travel Insurance is all you need to pack for peace of mind. They’ll help to protect what matters and put your adventure back on the map, pronto. Policies are available to those under 74 years. Dependants travel for free with parent or grandparent. They offer 24/7 emergency assistance no matter where you are in the world. Underwritten by Allianz Australia Insurance Limited.

Customer Experience

Claims experience, value for money.

They do not pay out

Avoid at all costs. I had to cancel my holiday because of the first covid lockdown. The holiday was b...  Read more

Avoid at all costs. I had to cancel my holiday because of the first covid lockdown. The holiday was booked before anyone was even aware of Covid. My family who used different insurance providers were refunded within a month. It has been 7 months and there is still no progress. They just send a standard email every 40 days to say how it is being processed - with nothing actually happening. And yet they managed to find the time to process my renewal. It is criminal in my opinion that they are able to take money for a service they are clearly not providing.

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Terrible service - still awaiting a decision on a claim made almost 6 months ago...

I have annual travel insurance with Virgin, easy to take out but a TERRIBLE SERVICE if you need to ma...  Read more

I have annual travel insurance with Virgin, easy to take out but a TERRIBLE SERVICE if you need to make a claim. I still don't have a decision on a claim made almost 6 months ago. They fob you off with promises to get back to you in 45 days and after sending documents by recorded post and email they say they cannot find them. This is the worst company I have ever dealt with and I have made a complaint to the financial ombudsman. I would advise to avoid this company, quick to take your money by not backed by the customer service and ability to deal effectively with claims.

Can’t be trusted

My wife and I took out an annual travel insurance policy with them. They then introduced a coronavir...  Read more

My wife and I took out an annual travel insurance policy with them. They then introduced a coronavirus exemption. No option to adjust policy, leaving us with no other option to take out insurance with another provider. Getting a refund was so difficult it was as though they were doing it deliberately to put us off. No email option and long waits to get through on the telephone with promises to call back which never happened. To round it all off they sent us an email to say that coronavirus cover was reinstalled after we had taken out the policy with an alternate policy. In the end we were only able to get a partial refund on a policy we were never able to use. My impression is that as a company they just don’t care once they have your money. My only comfort is the knowledge that I am not having to rely on them paying out if I needed to make a claim. From my experience I would expect them to make it as difficult and time consuming as possible and they would do everything they could do to avoid paying. There are much better companies out there.

Doesn’t cover lost or stolen

They don’t cover anything stolen or lost if it was not on you at the time. If it was on me... I would...  Read more

They don’t cover anything stolen or lost if it was not on you at the time. If it was on me... I wouldn’t need travel insurance because it wouldn’t be stolen or lost! Definitely read to product disclosure closely: “Unsupervised means leaving your luggage and personal effects: • with a person who is not named on your Certificate of Insurance or who is not a travelling companion or who is not a relative; or • with a person who is named on your Certificate of Insurance or who is a travelling companion or who is a relative but who fails to keep your luggage and personal effects under close supervision; or • where they can be taken without your knowledge; or • at such a distance from you that you are unable to prevent them being taken; and includes forgetting or misplacing items of your luggage and personal effects, leaving them behind or walking away“

Waste of time and money

Plane diverted to Honolulu (Auckland to San Fran) because it was leaking oil, airline was unable to r...  Read more

Plane diverted to Honolulu (Auckland to San Fran) because it was leaking oil, airline was unable to rebook us at the time so we booked new flights to get us to San Francisco in time for a wedding. Virgin refused to cover the cost because they wont cover rescheduling due to mechanical faults. What if the plane had crashed because of mechanical faults and we ended up in hospital, would they not cover that either?! Out of pocket almost $500 for the extra flight plus the cost of the policy that is apparently useless. Plus the time it took to submit their epic claim process.

1 comment on this review

weaseled out of paying my claim

my flight was cancelled by an airline in canada so I missed my connections (I had another week of my ...  Read more

my flight was cancelled by an airline in canada so I missed my connections (I had another week of my holiday to continue). To rebook the connections was going to cost an insane amount so I booked a comparatively cheap flight straight home. But because the airline put on a rescue flight the next day my cancelled flight didn't count as "cancelled" but "rescheduled" so now I'm out of pocket $1200! Thanks virgin money..

They don't cover the basics.

They don't cover bookings. The highest, most expensive comprehensive cover does not cover an esse...  Read more

They don't cover bookings. The highest, most expensive comprehensive cover does not cover an essential item of travel... bookings.

Filed a claim because I had my holiday shortened by customs

I was stopped by the U.S customs and was meant to be travelling for 3 months, the customs officer was...  Read more

I was stopped by the U.S customs and was meant to be travelling for 3 months, the customs officer was really aggressive and for some reason said I could only travel for two weeks. The policy covers unforeseen circumstances to travel plans but they are refusing to reimburse me for the flights that I had to cancel. Pieces of trash - do not use this company - STA Travel are 1000% better I should have stuck with them

7 comments on this review

terrible customer service

Called Virgin money in regards to travel insurance today at 12.30. Had several questions in regards t...  Read more

Called Virgin money in regards to travel insurance today at 12.30. Had several questions in regards to what is covered...the woman I spoke to was very rude and argumentative... Her advice was to go to page 20 of the PDS and read it myself, wouldn't tell me what is or isn't covered. I then attempted to talk to her about the other quote I had from Woolworths insurance... Mid sentence she cut me off and rudely said I don't work for them.... No shit...it was a question, do I need to talk to someone else there that can answer my question. I also asked about layovers without leaving airport during journey... She again was very rude with answer.... Needless to say I hung up on here and purchased Woolworths insurance

3 comments on this review

Absolutely wonderful service

Virgin Australia's travel insurance was the best coverage for the best price, especially when it came...  Read more

Virgin Australia's travel insurance was the best coverage for the best price, especially when it came to electrical equipment coverage. I experienced an incident on my return journey to Australia, where my camera was damaged. I contacted Virgin and they had a positive can-do attitude, were helpful with my claim and the repair/ replacement went through effortlessly and speedily. I can't recommend their services highly enough. Well done Virgin.

Virgin Money is good value for money

Virgin were hassle free and easy to deal with. They emailed me immediately with the forms required fo...  Read more

Virgin were hassle free and easy to deal with. They emailed me immediately with the forms required for a claim and we had the full reimbursement within 2 weeks, which included them having to send it to their medical officers for review. The price was also a bonus and was the cheapest by a long way. I would definitely recommend Virgin Money Travel Insurance to anyone and I will be sure to use them again next time I head overseas.

Helpful and patient customer service

I was in a hurry to get insurance before my trip to Bali, I hopped on to their website and got a poli...  Read more

I was in a hurry to get insurance before my trip to Bali, I hopped on to their website and got a policy within minutes. I later called them up for some clarification on the policy. The customer service officer was helpful and patient. No claims this trip, but I will go back with them again.

Virgin Money FAQ

How many people can i include in my policy.

You can only purchase insurance for two adults and 10 children online. Call up Virgin Money to see how many additional people can be added to your policy.

Am I covered if I go on a cruise?

Am i covered for skiing and my equipment.

Yes you are covered for skiing and your ski equipment if you purchase the ‘Sports Cover’ option with Plan A or B. 

Can I pay to reduce or cancel my excess?

You can remove the standard excess by paying an additional premium. Contact Virgin Money for further information.

What additional extras are there?

Dependent under 25 travel for free if they travel with you on the journey and emergency medical assistance is available 24/7.

Am I covered if my tour company collapses?

No, Virgin Money does not cover the financial collapse of any transport, tour or accommodation provider.

I'm not an Australian resident- can I buy cover?

This policy is only available to travellers who are permanent residents of Australia unless otherwise agreed.

What size moped or motorbike am I covered to ride overseas?

You are covered to ride a motorcycle with an engine capacity of 50cc or less. You must also hold a current Australian Motor Cycle Licence and a valid license for the country you are travelling in to be covered.

How long is their single trip cover for?

Can i extend my policy from overseas.

If you decide to lengthen you trip you can do so for up to 12 months. Call Virgin Money on 1800 134 419.

Do they cover for my rental vehicle excess?

Virgin Money includes cover of up to $3,000 for the excess of a rental vehicle in case of collision, damage or theft.

Who underwrites them?

Virgin Money (Australia) Pty Limited ABN 75 103 478 897

What's their cooling off period?

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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