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Qantas Travel Insurance Review

Learn more about Qantas' 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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They’ve been flying Australians across the country, and the world, for more than a century. While Qantas is primarily known as a means of getting you to your holiday destination, Australia’s largest airline also provides a range of travel insurance policies to go along with your flights.

If you’re wondering how Qantas’ policies fare against other providers, Savvy can help you compare. We help you choose the best travel insurance plan for your needs by allowing you to go over the pros and cons of each policy.

You can find the best bargain on your next trip by comparing coverage details like excesses and claim limits. Find out more about Qantas and your other insurance options with Savvy and get a quote today.

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*Please note that Savvy does not represent Qantas for its insurance products.

More about Qantas travel insurance

What travel insurance policies does Qantas offer?

Qantas has several options for travel insurance, such as:

  • International Comprehensive: Qantas’ most comprehensive cover for an international holiday, this top-level policy covers you for cancellation due to illness or injury, the excess on a rental car, the loss of luggage and unlimited overseas medical treatment. You’re also able to add children under the age of 18 to a policy for free.
  • Australian Comprehensive: this domestic policy offers similar benefits to the international option, but some of the claim limits are lower. You’ll be covered for cancellation, the loss of your bags and coverage for some COVID-19-related costs.
  • Annual Multi-Trip: if you’re a frequent flyer who is used to taking a few trips over a year, Qantas offers an annual policy. This policy gives you unlimited travel across 12 months, with the length of each trip capped at 45 days no matter whether you’re holidaying in Australia or overseas.
International Comprehensive Australian Comprehensive Annual Multi-Trip
Overseas medical
Unlimited
N/A
Unlimited
Cancellation
Unlimited
$3,000
Unlimited
Luggage/personal items
$15,000
$3,000
$15,000
Personal liability
$3 million
$3 million
$3 million
Rental vehicle excess
$8,000
$8,000
$8,000
Theft of cash
$200
$200
$200
Travel delays
$1,500
$500
$1,500

If you want to make sure you get the best bargain on travel insurance before you take that much-anticipated holiday, comparing with Savvy is the way to go.

What optional extras are available through Qantas?

Travel insurance doesn't always cover everything and sometimes providers will require you to pay extra if you’re taking part in a particularly risky activity while you’re on holiday. Qantas is no different, offering a few add-on options, including:

  1. Snow sports cover option: if you’re taking a ski holiday in France or visiting Australia’s snow-capped mountains, you’ll need to take out extra coverage. This covers you for any pre-paid ski costs, the closure of the ski run or the cost of hiring replacement equipment.
  2. Specified item cover option: like most providers, Qantas places limits on how much you can claim if you’re involved in an incident on holiday. However, it allows you to pay extra to cover single items up to $6,000 or a selection of items no greater than $15,000.
  3. Specified medical conditions option: if you suffer from a medical condition that isn’t automatically covered by your policy, you may need to pay a higher premium to get coverage. Conditions such as graves diseases, glaucoma and reflux are all covered, but certain types of diabetes, heart conditions and cancer aren’t automatically included in policies.

What exclusions should I be aware of when buying travel insurance through Qantas?

Some of the general exclusions on Qantas' coverage include:

  1. Coverage if you’re 70 or over
  2. A loss which is recoupable under another scheme (for example, private health insurance or an airline refund)
  3. Loss of enjoyment, a business opportunity or damage to goodwill
  4. Losses resulting from war, insurrections, revolutions or the act of a foreign enemy
  5. If your means of transport suffers a mechanical fault
  6. If you’ve injured yourself being intoxicated by alcohol or drugs
  7. Any loss resulting from you breaking the law
  8. Medical treatment for an undisclosed pre-existing condition

If you’ve done your homework and found a policy that catches your eye, it’s best to brush up on the provider’s Product Disclosure Statement. In Qantas’ case, the fine print is found on their website and provides a detailed breakdown of each policy.

What we think of Qantas travel insurance

What we like

Generous claim limits

Compared to its competitors, Qantas’ claim limits are reasonably generous, particularly when it comes to the caps on car excess and loss or damage of your items.

Low excesses

Qantas has one of the cheapest excesses around, with the lowest on their policies being $70. When filing your travel insurance claim, you’ll be required to pay this amount upfront.

Ability to earn frequent flyer points

Purchasing travel insurance through Qantas allows you to earn Qantas Points, with some policies allowing you to earn up to one point for every dollar spent on your premium. These can be redeemed for domestic or international flights.

What we don't like

Lack of extra add-ons

While its competitors offer add-ons that cover you for riding a motorcycle or taking part in a high-risk activity, Qantas has relatively few optional extras. The one exception is the provider’s winter sports cover.

Low age limits

Unlike some other companies which essentially have no cap on the age of people who can take out a policy, Qantas limits policies to those under the age of 70.

Modest cancellation cover

You’re only able to claim up to $3,000 in expenses if you need to cancel your domestic holiday with Qantas, while some other providers offer unlimited coverage if you need to call off your travel plans.

Types of travel insurance

International

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

Domestic

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

One-way

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

Cruise

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Seniors

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Ski

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Families

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

Couples

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

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Frequently asked questions about Qantas travel insurance

Does Qantas offer COVID-19 coverage under their travel insurance policies?

Yes – the following cover is offered on certain Qantas policies:

  • Unlimited overseas medical expense cover
  • Unlimited overseas medical evacuation and repatriation cover ($10,000 claim limit for Australian Comprehensive)
  • $2,500 Coronavirus Travel Costs, such as for quarantine and trip cancellation expenses ($7,500 for Annual Multi-Trip)
How do I make a claim through Qantas?

Travel insurance claims can be made day or night seven days a week online through their website. Qantas requires you to download a claim form and provide information such as:

  • The type of claim you’re making
  • Circumstances surrounding the claim
  • How much you need to be reimbursed

 
Once you’ve submitted your claim, Qantas’ website says it can take up to ten working days to provide an outcome. It’s a good idea to promptly respond to requests for more information, as any delays could slow down the process.

Does Qantas offer coverage if I’m pregnant?

Yes – you’re covered under Qantas’ policies if you’re up to 26 weeks pregnant. However, Qantas doesn’t cover pregnancy-related illnesses such as hyperemesis, gestational diabetes or any other sickness first developed after you purchased the policy.

How much will my Qantas travel insurance cost?

The price you pay for travel insurance depends on several variables, including but not limited to:

  • Your age
  • How long you’re planning to travel
  • The destinations you’re visiting (for example, a trip to Germany will cost more than one to New Zealand)
  • Whether you suffer from any pre-existing conditions
  • If you need any optional extras, such as cruise or adventure sports cover
  • The travel insurance company you choose and the level of coverage you’re prepared to pay for
What’s the difference between single-trip, multi-trip and one-way travel insurance?

A single-trip policy covers just one trip, while a multi-trip covers many trips throughout the year to different locations (usually allowing between 45 and 90 travel days for each trip). If you haven’t yet booked a return ticket, a one-way travel insurance policy covers you for only one leg of the trip for up to 12 months, which can be extended by as many as a further 12 months.

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