While Travel Insurance Direct offers a comprehensive policy with significant Covid-19 cover, emergency evacuation and other features, it is only available for those aged up to 75 years old at the time of the policy being issued. This means for elderly travellers, or grandparents wishing to travel with their families, the policy may not be suitable.
However, for families looking to travel without their elderly grandparents or relatives, the policy automatically includes children up to the age of 21 provided they are working fewer than 30 hours per week and are travelling with the policyholders for the entire trip.
In terms of financial coverage, Travel Insurance Direct will cover up to $3,000 in credit card fraud and up to $2.5 million for personal liability.
Additionally, travel delays are covered up to $2,000, while missed connections are only covered for special events (and included in the $2,000 travel delay limit). Cancellations are also covered with the amount chosen by the customer, which in turn, affects the premium.
For those looking to hire a car while abroad, Travel Insurance Direct offers a car hire excess of $6,000 in coverage.
Lost luggage
Travel Insurance Direct covers lost luggage up to $12,000, but sub limits apply. If required, item limits can be increased within individual policies, but, once again, this is likely to increase the premium.
Medical
Unlimited overseas medical cover is included with the Travel Insurance Direct comprehensive policy. Within that cover, there are 43 pre-existing conditions that will automatically be accepted pending certain criteria.
These conditions include allergies, epilepsy, iron deficiency, migraines and more. Unfortunately, other conditions are not covered, nor is there a way to include them within your policy as an additional fee.
On its website, Travel Insurance Direct states that “if you have an existing medical condition that’s not listed above as an automatically accepted condition, or you don’t satisfy all criteria for any listed condition, then you can still buy a policy, but you won’t be covered for any claim that arises in relation to the existing medical condition”.
It’s worth noting that the unlimited medical cover also includes illness arising from Covid-19, which is explained in more depth below.
Is Dental Cover Included in Medical?
No, dental cover is not included in Travel Insurance Direct’s medical cover. Dental is still covered, but only to a limit of $1,000, although this is still higher than some insurers, which offer policies that top out at $500 for dental.
Source: forbes.com
George Barham, an accomplished journalist and avid gambling enthusiast, serves as the esteemed Editor-in-Chief at fly-to-australia.com, Australia’s leading source for comprehensive gambling news and insights. With an unwavering passion for both the written word and the ever-evolving world of betting and gaming, George brings a wealth of knowledge and expertise to the helm of our editorial team.
