Australian Unity Travel Insurance Review

Learn more about Australian Unity’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

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, updated on June 26th, 2023       

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One of the country’s oldest mutual funds, Australian Unity has been providing banking, healthcare and insurance to its more than 300,000 members since it was founded more than 175 years ago. It now offers travel insurance policies, which are underwritten by Allianz.

If you’ve got your eye on an Australian Unity travel insurance policy but want to see how it compares to others on the market, comparing with Savvy can help you find the policy that’ll give you the best bang for your buck.

Find out more about Australian Unity’s travel insurance policies, grab a quote and compare with Savvy today.

*Please note that Savvy doesn’t represent Australian Unity for its travel insurance products.

More about Australian Unity travel insurance

What types of travel insurance policies does Australian Unity offer?

Australian Unity’s selection of travel insurance policies includes:

  • Comprehensive: this plan will cover you for things like overseas dental and hospital bills, personal responsibility, lost luggage and even trip cancellation if anything unforeseen happens.
  • Essentials: this discount policy provides you with coverage for overseas emergency medical care, dental care, hospital stays, personal liability, lost luggage, and trip cancellation.
  • Domestic: this type of domestic plan provides coverage for one domestic trip. Coverage may be purchased for things like medical expenses, lost luggage, and legal defence if something goes wrong on your vacation.
  • Annual multi-trip: if you plan on taking several trips within a year, you might consider Australian Unity’s multi-trip plan. Separate trips can be up to 15, 30 or 45 days long. It applies to international or domestic travel, offering all the benefits of their Comprehensive and Domestic policies.
Comprehensive Essentials Domestic
Overseas medical expenses
Emergency assistance
Cancellation costs
Chosen limit
Chosen limit
Chosen limit
Luggage and personal items
Theft of money
Rental car excess
Travel delays
Travel documents
Accidental death
Personal liability
$5 million
$2.5 million
$5 million

Whether you’re heading over to India for a holiday or taking a drive up the Great Ocean Road, it’s worth comparing quotes with Savvy to ensure you get the best insurance for your needs.

It’s also worth noting that Australian Unity offers a 10% discount on their policy for people who use a promo code (as of November 2022).

What optional extras are available through Australian Unity’s travel insurance policies?

Australian Unity offers several optional extras on top of its standalone travel insurance policies, including:

  1. Adventure pack: high-risk adventure sports like river tubing, zip lining, and quad biking aren’t automatically covered but can be with this add-on.
  2. Cruise pack: you can access cover for cancelling your prepaid shore excursion, get medical care if you are stuck in your stateroom, help if you need to leave the ship and more with this add-on for domestic or international cruises.
  3. Increased items cover: extra protection can be purchased if you're bringing more valuables, such as a mobile phone or laptop, on your trip than the standard policy allows
  4. Snow pack: the snow pack upgrade is for those under the age of 74 and covers a variety of snow-related services such as emergency rescue, coverage for your snow sports gear or hire equipment, slope closure, and more.

What exclusions should I be aware of when buying travel insurance with Australian Unity?

Some of the general exclusions on Australian Unity’s travel insurance policies include:

  1. Your tour operator, accommodation or travel agent becoming insolvent
  2. Losses involved with you breaking the law
  3. Ignoring government warnings and travelling to a particular country
  4. Riding a motorcycle without a valid license
  5. Unapproved pre-existing medical conditions
  6. Losing your personal items when they’re left unattended
  7. Cancelling your trip due to not wanting to travel
  8. Intentionally hurting yourself or attempting suicide
  9. Accidents caused by alcohol or drug use

Before choosing a travel insurance policy for your next holiday, read the Product Disclosure Statement (PDS). This offers a detailed sense of what's covered.

What we think of Australian Unity’s travel insurance

What we like

COVID-19 coverage

Australian Unity covers you for medical expenses you incur if you test positive for COVID-19 while on holiday, as well as for border closures and pre-trip cancellations.

Free cover for children

If you’re travelling with your children or grandchildren, Australian Unity allows you to include any dependents under 25 on your policy for free.

Choice of cancellation cover

You get to choose the level of cancellation coverage you take out with your policy, which is generally anywhere from $1,000 up to an unlimited value.

What we don't like

Tough pre-existing condition requirements

If you don't fulfil certain requirements set by Australian Unity, securing coverage for a pre-existing medical condition may prove difficult. As a result, coverage for pregnant women is quite limited.

Limited luggage cover

Unlike some insurers, whose comprehensive plans cover far more than just medical emergencies, Australian Unity only covers up to $10,000 in lost or stolen bags and travel documents.

Age limits

A medical exam may be required for coverage under some policies if you're over 75 at the time of purchasing your insurance.

Types of travel insurance

Why compare travel insurance with Savvy?

Why compare hotels with Savvy?

Frequently asked questions about Australian Unity’s travel insurance

How do I make a claim on my Australian Unity travel insurance policy?

When you have travel insurance from Australian Unity, you may file a claim at any time, day or night, directly from their website. Just in case you need to file a claim:

  • Provide your insurance information, including your full name and birth date
  • Include any relevant paperwork, such as invoices or medical records
  • Put in a claim


You may check on the status of your claim with Australian Unity by using their online system. You can expect to hear back from your provider within ten business days and should answer any questions they may have as soon as possible to avoid holding up the refund process.

How much will my Australian Unity travel insurance cost?

Travel insurance doesn’t have a one-size-fits-all cost, as the price of your premium is determined by variables which include:

  • Age
  • Destination (travelling to Egypt can be costly because of the lack of universal health care)
  • Level of coverage
  • Optional extras you choose
  • Pre-existing medical conditions
  • Chosen policy excess
  • Type of insurer and insurance policy you purchase
Does Australian Unity cover pregnancy as part of their travel insurance policies?

Yes – but only if you're having your first child, under 24 weeks pregnant and have never had any problems with a pregnancy before. Australian Unity requires prospective policyholders to submit to a medical examination and application if they are expecting many children or have a history of complications after childbirth.

What’s the difference between single-trip, annual and one-way travel insurance policies?

Unlike annual multi-trip coverage, which can cover as many trips as you want during the policy's validity period, single-trip insurance covers one holiday starting and ending in Australia. Travellers without return tickets booked can purchase one-way insurance, policies which can last up to 12 months.

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We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.