Qantas Travel Insurance Review (2024)

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Whether or not you choose to fly with Qantas for your travels, you can still purchase a comprehensive travel insurance policy from the airline. In addition to travel insurance, Qantas also offers cover for your health, car and home–all of which Qantas Frequent Flyer members can earn Qantas points with.

Despite Qantas being Australia’s most popular airline–dominating the market share with 60.8% of Australian travel according to an ACCC report–its travel insurance policy isn’t highly regarded by some of its customers. On Product Review, Qantas Comprehensive Travel Insurance received only 1.1 stars from 25 customer reviews. This is admittedly a small number of reviews so that needs to be taken into account.

The standard Qantas Comprehensive Travel Insurance policy is available to Australians aged up to 69 years old, with a separate policy available to those over 70.

For those travelling with family, the policy also covers accompanying children–as long as the child is under 18 at the time the insurance is issued. The child must also be travelling with you for the entire duration of the trip and be listed on the insurance certificate in order to qualify for any claims.

Unfortunately, fraudulent credit card activity is not covered with Qantas Travel Insurance. Qantas will, however, cover the cost of a replacement credit card, stolen or lost passports or travel documents to a maximum of $2,000. It also covers personal liability up to $3 million.

When it comes to missed connections, Qantas will only provide cover if it is for a special event–such as missing a wedding or a funeral–and up to $2,500. Travel delays are also only covered if it is more than six hours, with a maximum of $250 per 24 hours of delay up to a maximum of $1,500.

Unlimited cancellation cover is included, and is valid for cancellations due to Covid-19 as explained below.

Lost Luggage

Lost luggage is covered by Qantas in its travel insurance policy up to $15,000. Sub limits apply within this amount, and customers can increase item limits for high value items if desired.

Medical Coverage

Qantas Travel Insurance includes unlimited overseas medical expenses.

If you have a pre-existing medical condition, you will need to meet certain criteria in order to be covered. There are 43 conditions that are automatically covered (as long as they meet said criteria), while other conditions will require an assessment to determine if cover will be provided.

Is Dental Cover Included in Medical?

Yes, overseas emergency dental expenses are covered with unlimited medical cover. However, dental expenses due to sudden and acute pain are only covered up to $2000.

Does it Cover Me for Covid?

Yes, being diagnosed with Covid-19 is covered under the unlimited overseas medical expenses within Qantas’ travel insurance.

Cancellations are also covered due to a positive diagnosis, along with ‘reasonable’ additional expenses, such as if you are required to quarantine, up to $2,500.

What about pregnancy?

Qantas’ travel insurance policy covers pregnancy up to week 26. If there are pregnancy-related conditions that require treatment, they are classified as pre-existing conditions and therefore require an assessment at the time of taking out the policy to determine if cover will be provided.

What about Sports and Activities?

Qantas claims that “most amateur sporting activities are covered” under its comprehensive travel insurance policy. It does not provide a list of what these included activities are, however, there is a list of seven activities that will not be covered.

These are:

• Activities on snow and ice (unless the additional snow package has been purchased);
• Base jumping;
• Racing (except on foot);
• Any professional sporting activity;
• Running with the bulls;
• Mountaineering and rock climbing using support ropes; and
• Hunting.

Customer Service

Qantas provides 24/7 emergency assistance to its comprehensive travel insurance policyholders. There is also a phone number for general enquiries, as well as a call back service.

Claims can also be lodged 24/7, from overseas or when you return home to Australia. There is an online claims form available to download which can then be sent to Qantas via post or email.

While Qantas Comprehensive Travel Insurance can suit a wide variety of Australians–particularly travelling parties under 69 years old–it is best suited to Qantas Frequent Flyer members keen to take advantage of earning one frequent flyer point per $1 spent on the policy premium.

The policy also offers good Covid cover, substantial cancellation cover for a range of reasons, and unlimited medical cover.