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Zoom Travel Insurance Review

Learn more about Zoom Travel Insurance’s 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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Providing travel insurance to holidaymakers for more than 20 years, Zoom Travel Insurance has emerged as one of the leaders in the industry. The insurance company, underwritten by Lloyd’s of London, offers a suite of policies to suit most types of traveller.

It’s important to make sure you do your homework with Savvy and compare Zoom’s policies with other offers on the market if you have your eye on one of their policies. That way, you can make sure you receive the best coverage which includes everything you need for your trip.

Find out more about Zoom’s travel insurance policies, compare them with Savvy and get a quote today.

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

More about Zoom Travel Insurance

What travel insurance policies does Zoom offer?

Zoom offers several types of travel insurance policy, including:

  • Medical-Only Cover: this basic policy includes unlimited coverage for medical and emergency expenses while you’re travelling abroad. You’re also covered for personal liability and some limited dental expenses. These policies are limited to those under 79 years old.
  • Standard Cover: this policy covers unlimited medical and emergency expenses, as well as some limited dental coverage. You’re also covered for cancellation, cash while you’re in hospital on your trip, the loss or damage of your luggage and personal liability. These policies are limited to those under 79 years old.
  • Comprehensive Cover: Zoom’s top-tier coverage, this policy covers you for medical expenses, accidental death, travel cancellation and delays, loss of income and up to $5 million in personal liability. You’re also covered for loss of luggage and travel documents if they get stolen or go missing. To purchase this policy, you need to be under 85 years old.
  • Domestic Cover: covering the essentials for your holiday close to home, this type of domestic policy covers you for emergency expenses, cancellation, accidental death and luggage and personal effects. To buy this policy, you’ll need to be under the age of 85 years old.
  • Frequent Traveller Cover: if you’re under the age of 69, you can take out Zoom’s annual or multi-trip policy which covers you for multiple holidays over a 12-month period. You’re able to take as many holidays as you want over the year, but you’re limited to 45 days of travel per trip.
Medical-only cover Standard cover Comprehensive cover Domestic cover
Overseas medical
Unlimited
Unlimited
Unlimited
N/A
Cancellation
N/A
$25,000
Unlimited
Unlimited
Additional expenses
N/A
$10,000
$50,000
$50,000
Luggage and personal items
N/A
$7,500
$2,000
N/A
Travel delay expenses
N/A
N/A
$2,000
$2,000
Personal liability
$2.5 million
$2.5 million
$5 million
$5 million
Rental car excess waiver
$5,000 or $8,000
$5,000 or $8,000
$8,000
$5,000 or $8,000
Stolen money
N/A
N/A
$250
N/A

However, whether you're going to Paris or Perth, you can find the proper level of coverage for your break by comparing your travel insurance policies with Savvy.

What optional travel insurance extras are available through Zoom?

Zoom’s travel insurance policies come with a variety of optional extras for travellers holidaying both at home and abroad. Some of these include:

  • High-valued items: If you’re taking a laptop, expensive camera or mobile phone on your holiday, Zoom allows you to purchase additional coverage so you can increase the individual claim limits up to $5, 000.
  • Snow pack cover: anything can happen when you’re tackling the slopes on a set of skis or a snowboard. This optional extra covers you for any emergency medical costs, equipment, hire of equipment and piste closure. It also covers you if bad weather and avalanches close your resort.
  • Golf pack cover: if you’re planning a spot of golf on your holiday, this optional extra allows you to get coverage for your golf clubs, the hire of equipment and green fees. If you score a hole-in-one at your chosen course, Zoom will pay you $250.
  • Bicycle pack: Zoom offers a policy specifically suited to those who are taking their bike on holidays with them. This add-on allows you to get cover for up to $15, 000.
  • Cruise pack: cruising through Australian waters or crossing some international ones? Zoom provides a cruise travel insurance policy for those travelling on a cruise liner for more than two nights.
  • Adventure pack: Zoom offers coverage for a range of amateur adventure sports which insurance companies deem to be high-risk. These include abseiling, animal handling, sky diving, zip lining, rock climbing and scuba diving.
  • Rental vehicle excess pack: no matter whether you’re taking a trip through France or along Route 66 in America, Zoom offers coverage for the excess on your rental car. This allows you to get $5, 000 worth of cover, or $8, 000 if you want to pay a little extra.

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

Zoom has a variety of general exclusions on its policies, including:

  • Loss of enjoyment
  • Mistakes made while booking your travel
  • Goods confiscated by government officials
  • Accidents caused by alcohol or drugs
  • Travel on a privately chartered plane or boat
  • Claims resulting from suicide or sexually transmitted diseases
  • Treatment for unapproved pre-existing medical conditions, such as diabetes or mental health
  • Breaking the law

If you’ve found a policy that draws your eye, ensure you review Zoom’s Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of Zoom Travel Insurance

What we like

Unlimited cancellation

Zoom is more generous with its claim limits on cancellation, allowing those who take out domestic and comprehensive policies to claim unlimited expenses if they need to call off their holiday.

Generous age limits

Unlike many travel insurance companies who restrict policies to those under the age of 65 and Australian residents, Zoom allows those up to 85 and non-residents travelling to get cover.

Wide variety of add-ons

While most travel insurers will offer a few optional extras to top up your policy, Zoom offers more than a handful of add-ons if you need coverage for things like golf clubs or your expensive bicycle.

What we don't like

Limited COVID-19 coverage

While Zoom Travel Insurance covers you for medical expenses if you catch Coronavirus, you won’t be covered some other COVID-19-related expenses, including pre-trip cancellation.

Shorter cooling-off period

Many travel insurance companies allow you up to 21 days to cancel your policy if you change your mind. However, Zoom only offers you a cooling-off period of 14 days.

Fewer holiday days with multi-trip policies

Zoom only lets you travel for 45 days at a time on their multi-trip travel insurance policies. There are some policies on the market which allow you to take trips for up to 90 days with an annual policy.

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 Zoom Travel Insurance

How much is the excess on Zoom's travel insurance policies?

A Zoom Travel Insurance policy has a $200 standard excess. When filing a claim, you can lower this to $100 for a greater premium. If you need to file a claim and are over 85, you will have to pay a $2,000 excess.

How do I make a claim through Zoom Travel Insurance?

Submitting a claim through Zoom is a straightforward process, with the insurer allowing you to do the whole thing online. You’ll need to do the following when submitting a claim:

  • Log in with your registered email and password
  • Complete the claim form with ample detail
  • Gather any supporting documents and attach them to your claim form
  • Submit your claim form

 
Once you’ve filed your claim, Zoom’s website says it can take up to ten working days for the company to process it or determine if you need to provide additional information. If your claim is accepted, your amount will be paid in Australian dollars and depreciation may apply to claims of lost luggage.

Does Zoom Travel Insurance cover pregnancy?

Yes – Zoom automatically covers pregnant travellers up to their 24th week of gestation if they’re expecting one child, or their 19th week if they have more than one child on the way. You won’t be covered if you’ve experienced complications with past pregnancies or as planning to conceive using IVF, however.

How much will my Zoom Travel Insurance policy cost?

There isn't an average price for travel insurance; rather, premium costs vary from person to person based on a variety of factors, including:

  • Age
  • Your chosen destination
  • The level of coverage you buy
  • Any optional extras you need
  • Pre-existing medical conditions you need to disclose
  • The policy excess you choose
  • The type of insurer and insurance policy you buy

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