Travel insurance for modern life

Plus choose our International Comprehensive Plan and get complimentary lounge access with Smart Flight Delay if your flight is delayed for more than 60 minutes on your trip7.

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A person travelling on a train smiling whilst looking out the window
A person travelling on a train smiling whilst looking out the window

Airport lounge access with Smart Flight Delay

Don't let flight delays ruin your trip. Smart Flight Delay is included with our International Comprehensive plan, and gives you access to 1,400+ lounges around the world in just 2 steps:

Airport lounger voucher on mobile phone
Register your flights.

You need to register your flights at least 2 hours before your flight's scheduled departure time. You can register all of the flights on your international trip.

We'll monitor your flights.

If your flight is delayed for more than 60 minutes from its originally scheduled departure time, you'll receive an email with a complimentary voucher for you and up to four guests flying with you.

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Travel with confidence

Build the cover that suits you

Choose your level of cover, pick your cover limit for your cancellation expenses or purchase Optional Extras. It’s how travel insurance should be.

24/7 Emergency Assistance

You'll have direct access to our 24/7 Emergency Assistance team if you need help while travelling.

COVID-19 cover if you’re sick overseas

All of our international plans include cover for overseas emergency medical costs if you're diagnosed with COVID-19 on your trip. Cover terms apply.

Fly away with cover that suits you

You can choose the level of cover that suits your international or domestic trip.

Summary only. Full benefits, terms and conditions are in our Product Disclosure Statement.

Essentials
Standard
Comprehensive
Your health
Overseas emergency medical and repatriation
Unlimited11
Unlimited11
Unlimited11
Hospital cash allowance
No cover
No cover
$5,00010
Accidental death
No cover
No cover
$25,00010
Permanent disability12
No cover
No cover
$25,00010
Loss of income
No cover
No cover
$10,40010
Your trip
Cancellation expenses
As selected9
As selected9
As selected9
Additional expenses
$5,00010
$25,00010
$50,00010
Travel delay expenses
No cover
No cover
$2,00010
Special event transport expenses
No cover
No cover
$5,000
Your stuff
Luggage and personal belongings
$2,00010
$5,00010
$10,00010
SUB-LIMITS
Personal computers, laptops, tablets, cameras or video cameras
$500
$3,000
$3,000
Mobile phones, smartphones and smartwatches
$500
$1,000
$1,000
All other items
$500
$750
$750
Delayed luggage and personal belongings
No cover
$500
$750
Passports, travel documents and bank cards
No cover
No cover
$5,000
Theft of cash
No cover
No cover
$250
Your liability
Rental vehicle insurance excess
No cover
$3,000
$6,000
Personal liability12
$1,000,000
$2,500,000
$5,000,000

9. The cover limit for Cancellation expenses is chosen when you buy your policy and will be listed on your Certificate of Insurance. This limit is the maximum we’ll pay for all claims for this benefit under your policy. The limit is not per adult traveller. Sub-limits apply.

10. Sub-limits apply.

11. The term ‘Unlimited’ means that for covered events, there is no capped dollar sum insured. Terms, conditions, exclusions limits and sub-limits apply. Please refer to the Product Disclosure Statement for further details

12. There’s no cover under Personal liability and Permanent disability for any claims arising from participation in any of the activities listed under the Adventure Pack, the Motorcycle/Moped Pack or the Snow Pack.

Comprehensive
Your trip
Cancellation expenses
As selected9
Additional expenses
$50,00010
Travel delay expenses
$2,00010
Your stuff
Luggage and personal belongings
$10,00010
SUB-LIMITS
Personal computers, laptops, tablets, cameras or video cameras
$3,000
Mobile phones, smartphones and smartwatches
$1,000
All other items
$750
Delayed luggage and personal belongings
$750
Your health
Accidental death
$25,00010
Permanent disability11
$25,00010
Your liability
Rental vehicle insurance excess
$6,000
Personal liability11
$5,000,000

9. The cover limit for Cancellation expenses is chosen when you buy your policy and will be listed on your Certificate of Insurance. This limit is the maximum we’ll pay for all claims for this benefit under your policy. The limit is not per adult traveller. Sub-limits apply.

10. Sub-limits apply.

11. There’s no cover under Personal liability and Permanent disability for any claims arising from the Snow Pack.

Optional Extras

Build the cover that suits your trip, with our range of Optional Extras.

Summary only. Full benefits, terms and conditions are in our Product Disclosure Statement.

Cruise Pack
Comprehensive

Cover for your overnight or multi-night sea or ocean cruise, plus access to extra cruise-related benefits like ship to shore evacuation and cabin confinement.

Snow Pack
Comprehensive
Standard
Cover for your snow sport activities, plus access to extra snow-related benefits like cover for your own snow sport equipment and piste closure. An additional excess applies.
Adventure Pack
Comprehensive
Standard

Cover for activities like abseiling, zip-lining, outdoor rock climbing (with ropes and safety gear) and more.

Not available with our Domestic plan.

Motorcycle/Moped Pack
Comprehensive
Standard

Cover for riding a motorcycle or moped overseas (as a rider or passenger) on your trip.

Not available with our Domestic plan.

Valuables Pack
Comprehensive

Travelling with valuables? You can increase the sub-limits under your plan for your luggage and personal belongings for extra protection.

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Great for the planet too

We believe businesses should be a force for good. That’s why we donate a portion of our revenue for the planet and are Australasia’s only B-Corp Certified insurance company.

Life moves fast.
Get insurance in minutes.

Commonly asked questions

Can I purchase a Huddle travel insurance policy if I'm already travelling?

No, you won't be eligible to purchase a Huddle travel insurance policy if you're already travelling. You need to purchase a Huddle travel insurance policy before you begin your trip.

Cover terms apply. Please refer to the relevant PDS for more details.

How do I make changes to my travel insurance policy?

Need to extend your trip or add a destination to your policy? 



You can apply to make changes to your policy by logging in to your Huddle account. 



Cover terms apply. Please refer to the relevant PDS for more details.

Does this travel insurance policy cover pre-existing medical conditions?

We cover the 31 pre-existing medical conditions listed in the table below, as long as you meet the following criteria on the date you purchase your policy:


  • you haven't been hospitalised or needed treatment for any of the listed conditions by any medical adviser in the last 12 months (unless a different time period is listed in below);
  • you aren't under investigation for any of the listed conditions;
  • you aren't awaiting investigation, surgery, treatment or procedures for any of the listed medical conditions; and
  • your condition meets any relevant additional criteria listed in the table below.

The specified additional criteria (if any) apply, including any stated time periods related to these covered medical conditions listed in the table below, at the time your policy is purchased.

Medical condition
Additional criteria
Acne
No additional criteria.
Allergy
  • You have no known respiratory conditions e.g. asthma; and
  • You haven’t required treatment by a medical adviser in the last 6 months.
Asthma
  • You’re under 60 years of age at the time your policy is issued; and
  • You have no other lung disease.
Bell’s palsy
No additional criteria.
Bunions
No additional criteria.
Carpal tunnel syndrome
No additional criteria.
Cataracts
In the last 90 days, you haven’t had an operation for this condition.
Coeliac disease
In the last 6 months, you haven’t been treated by a medical adviser for this condition.
Congenital blindness
No additional criteria.
Congenital deafness
No additional criteria.
Ear grommets
You haven’t had an ear infection in the last 3 months.
Epilepsy
  • You haven't required hospitalisation for epilepsy in the last 2 years, including as an outpatient;
  • You haven’t changed your medication regime for epilepsy in the last 12 months; and
  • You don't have an underlying medical condition that causes, contributes to or materially increases the risk of the epilepsy e.g. previous head trauma, brain tumour or stroke.
Gastric reflux
Your gastric reflux doesn’t relate to an underlying diagnosis e.g. hernia or gastric ulcer.
Glaucoma
You have no ongoing complications for this condition.
Goitre
No additional criteria.
Gout
No additional criteria.
Graves’ disease
No additional criteria.
Hiatus hernia
No additional criteria.
Hip replacement, knee replacement and shoulder replacement
The procedure was performed more than 6 months ago and less than 10 years ago.
Hip resurfacing
You haven’t had any postoperative complications relating to the surgery.
Hypercholesterolaemia (high cholesterol)
You don’t have a known heart or cardiovascular condition.
Hypertension (high blood pressure)
  • You don’t have a known heart or cardiovascular condition;
  • You don’t have Type 1 diabetes or Type 2 diabetes;
  • In the last 12 months your blood pressure medication hasn’t changed; and
  • You aren’t suffering symptoms of hypertension.
Menopause
You don’t have osteoporosis.
Migraine
No additional criteria.
Peptic ulcer/gastric ulcer
In the last 12 months, the peptic/gastric ulcer has been stable.
Plantar fasciitis
No additional criteria.
Raynaud’s disease
No additional criteria.
Skin cancer
  • Your skin cancer isn’t a melanoma;
  • You haven’t had chemotherapy or radiotherapy for this condition; and
  • Your skin cancer doesn’t require any follow-up treatment.
Trigger finger
No additional criteria.
Urinary incontinence
No additional criteria.
Underactive thyroid/ overactive thyroid
The cause of your underactive/overactive thyroid wasn’t a tumour.

If you have a pre-existing medical condition when you purchase your policy that:

  • isn't listed in the table above; or
  • is listed in the table above, but at the date you purchase the policy, you don't meet the relevant criteria for it to be covered,

then you won't be covered for any claim that arises from the pre-existing medical condition. 
 


Terms, conditions, exclusions, limits and sub-limits apply. Please see the relevant PDS for more details

Am I covered if I ride a motorcycle or moped overseas?

If you're planning on riding a motorcycle or moped overseas on your trip and want cover for participating in those activities, you'll need to purchase the optional Motorcycle/Moped Pack, available on International Comprehensive and Standard Plans only.

Adding the Motorcycle/Moped Pack doesn't add another policy benefit, but it extends cover under your policy to include claims that arise because of participating in riding a motorcycle or moped overseas on your trip, except for cover under Permanent disability and Personal liability.

Cover is provided under this Optional Extra pack only if:

  • the motorcycle or moped is motorised and its engine capacity is 250cc or less;
  • while in control of the motorcycle or moped, you hold an Australian motorcycle rider’s licence or an Australian motor vehicle driver’s licence valid for that class of motorcycle or moped being ridden, and a licence valid for the country that the motorcycle or moped is being ridden in;
  • while you're a passenger, the driver in control of the motorcycle or moped holds a license valid for the country that the motorcycle or moped is being ridden in;
  • you're wearing an appropriate safety helmet;
  • you're not racing the motorcycle or moped; and
  • you're not riding the motorcycle or moped in a professional capacity (for example, as a paid delivery driver).


If you're participating in riding a motorcycle or moped overseas on your trip and you haven't bought the Motorcyle/Moped Pack, there'll be no cover under the policy for any claims related to this activity.

Terms, conditions, exclusions, limits and sub-limits apply. Please refer to the relevant PDS for more details.

Does this travel insurance policy cover snow sport activities?

If you're planning on participating in snow sport activities in Australia or overseas, you'll need to purchase the optional Snow Pack, available on International Standard, International Comprehensive and Domestic Comprehensive Plans only. Snow sport activities covered under the Snow Pack only include amateur skiing, snowboarding, sledding, tobogganing, or tubing conducted on groomed terrain, marked slopes or trails that are open, maintained and monitored within ski resort boundaries.

Buying the Snow Pack extends your cover under your policy to include claims that arise because of your participation in a snow sport activity including skiing or snowboarding, except for cover under Permanent disability and Personal liability. The Snow Pack also provides cover for additional snow-related benefits such as Cover for your own snow sport equipment, Snow sport equipment replacement hire and Piste closure.

Please note an additional excess of $500 plus your chosen basic excess applies to any claims made under Cancellation expenses or Additional expenses, which arise from or are in any way connected with you participating in snow sport activities.

If you're participating in a covered snow sport activity while you're on your trip and you haven't bought the Snow Pack, there'll be no cover under the policy for claims related to this activity.

There's also no cover under this policy, even if you have purchased the Snow Pack, for claims arising from or in any way connected to:

  • any form of racing, acrobatics, jumping, stunting, aerial or freestyle activities, or competing in a professional capacity; or
  • participating in snow sport activities that involve you going off-piste or back-country. 


Terms, conditions, exclusions, limits and sub-limits apply. Please refer to the relevant PDS for more details.

Does this travel insurance policy cover cruising?

Going on a river cruise? Cover for river cruises are automatically included under your policy.

However, if you're planning on heading on an overnight or multi-night sea or ocean cruise within Australian territorial waters or while you are overseas, you'll need to purchase the optional Cruise Pack. The optional Cruise Pack is only available on International Comprehensive and Domestic Comprehensive plans.

Buying the Cruise Pack extends the cover under this policy’s benefits for claims arising from your cruise and adds some additional cruise-related benefits such as cover for Emergency medical cover while cruising including ship to shore evacuation cover, Cabin confinement and Missed shore excursions.

If you're going on an overnight or multi-night sea or ocean cruise while you're on your trip and you haven't bought the Cruise Pack, there'll be no cover under the policy for claims related to that cruise.

Terms, conditions, exclusions, limits and sub-limits apply. Please refer to the relevant PDS for more details.

Can I get a refund if I cancel my travel insurance policy?

Cancelling during your 14-day-cooling-off period



You have a 14-day cooling-off period once you buy your policy. If you decide that this policy is not right for you, you may cancel it within 14 days of purchasing your policy.

We will give you a full refund, provided:

  • you have not started your trip; and
  • you do not want to make a claim under your policy; and
  • you do not want to exercise any other right under your policy.


In that case, your policy will be cancelled from the date the policy was issued, which means it will be as if you had no cover at all.

Cancellation after the cooling-off period

If you wish to cancel your policy more than 14 days after you purchased your policy and:

  • you have not started your trip; and
  • you do not want to make a claim under your policy; and
  • you do not want to exercise any other right under your policy,


we will refund you 60% of the premium you paid. In this case, your policy will be cancelled from the date the cancellation is processed.

You can cancel your policy by logging in to your Huddle account or by booking an appointment to speak to one of our friendly team members.

Please see the relevant PDS for more details.

Does this travel insurance policy cover claims related to COVID-19?

If you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (like COVID-19), and the diagnosis is certified by a medical adviser in writing, you may be able to claim for some benefits which are specified in the PDS. This includes the cancellation or rescheduling of your trip, or your medical expenses incurred overseas during your trip, due to this diagnosis. 



Except for this limited cover, cover for epidemics and pandemics are generally excluded under the policy. 



This means you will not be covered if you contracted the epidemic or pandemic sickness when you had travelled against an advice or warning by the Australian Government and didn't take appropriate action to avoid contracting the sickness, for example, by delaying travel to the country or part of the country referred to in the travel warning. 



Terms, conditions, exclusions, limits and sub-limits apply. Please refer to the relevant PDS for more details.