How many destinations does TID travel insurance cover?

TID cover is available to Australians travelling to over 150 countries worldwide. When getting a quote it is important that you list all destinations you are visiting, but you don't need to include short stopovers.

Does TID offer travel insurance to all countries worldwide?

Unfortunately, no. We are guided by the Department of Foreign Affairs and Trade (DFAT) and do not offer cover when there is a "do not travel" warning or a country is "sanctioned".

Do not travel countries currently include:

Afghanistan
Burundi
Central African Republic
Chad
Iraq
Libya
Mali
Niger
Somalia
South Sudan
Syria
Venezuela
Yemen

Sanctioned countries currently include:

Iran
North Korea
Sudan
Ukraine
Venezuela

Before booking a trip and before you take off it is always sensible to check www.smarttraveller.gov.au to review the latest travel advice.

Travel Insurance for Europe

Before you go on your trip to Europe, consider the benefits of travel insurance cover.

Why should I consider travel insurance for Europe?
Am I covered for multiple countires within Europe?
What am I covered for when going to Europe?
Cover for unexpected events out of your control
Travel with confidence
Does Medicare cover me in Europe?
What to look out for when planning a trip to Europe

Why should I consider travel insurance for Europe?

Europe has history, culture, food and all types of exciting activities around every corner. With more than 20 beautiful destinations to choose from in the EU you’ll be enjoying sun, snow and everything in between.

However, you could have a close encounter of the third kind with a Swiss snowstorm, too much yummy Italian which could lead to food poisoning or be the victim of a fast-fingered pickpocket in Spain. There are a lot of 'what ifs' to consider when heading to Europe.

Am I covered for multiple countries within Europe?

We offer travel insurance cover for Europe for many events. For example, if you plan to travel to multiple countries within Europe, all you need to do is select 'Europe' as your destination when you get a quote and add any countries in Europe you know you’ll visit for more than 24 hours.

You can also select multiple countries, regions or continents on one quote or if you’re a seasoned globetrotter, you can also select ‘worldwide.’

Note that there are regions and countries that are not covered by TID, so make sure to check the details on your Certificate of Insurance and subscribe to Smartraveller for the latest travel advice.

What am I covered for when going to Europe?

When travelling to any EU country, you will have access to several benefits with TID travel insurance. It all depends on which level of cover is best suited for your Euro trip. Some of the benefits we offer include:

- Cover for overseas medical expenses
- Medical repatriation and evacuation
- Cover for lost or damaged valuables
- Cover for lost, stolen or delayed baggage
- Cover for cancellation or trip delay
- Cover for some Coronavirus-related events

Cover for unexpected events out of your control

We can offer cover under the ‘Cancellation and additional expenses’ section for your planned trip if your pre-paid scheduled public transport services or pre-paid tour have been cancelled or restricted by your carrier or service provider because of severe weather, natural disaster, riot, strike, civil insurrection, or hijacking. Refer to the Product Disclosure Statement (PDS) for further details.

We aim to keep you informed about events around the world when they happen, so keep an eye out for travel alerts on our website, however please check smartraveller for the international destination you are travelling to prior to travelling or planning to travel to a destination.

Travel with confidence

Our 24-hour Emergency Assistance team is always available to help you if you suffer a serious injury or sudden illness. The team will also work closely with the claims department, which will assess your entitlement to financial assistance.

Our travel safety team at TID work to keep customers informed and publish information on major events on our website.

Contact the Emergency Assistance team day or night as required.

Does Medicare cover me in Europe?

No, Australia does not have a reciprocal health care agreement with every country in Europe. As a result, you will need to pay for all emergency medical costs out of your own pocket or via your travel insurer. In some cases, Medicare's overseas healthcare agreements assist with essential healthcare costs in: Belgium, Finland, Italy, Malta, the Netherlands, New Zealand, Norway, the Republic of Ireland, Slovenia, Sweden and the UK.

What to look out for when planning a trip to Europe

There are some things you should keep in mind below just in case you need to use your travel insurance when going to Europe from Australia.

Severe weather: when going to Europe you’ll need to be aware of possible severe weather events such as snowstorms or wildfires. Some parts of Europe are also prone to natural disasters such as flooding or bushfires. Always refer to the Australian Government’s Smartraveller website for current travel alerts affecting Europe before you buy a policy, before you leave Australia, and during your travels. If your trip is interrupted or cancelled because of severe weather, you may be able to claim.
Pickpockets and theft: while Europe is a safe place to visit, you should always keep an eye out for pickpockets and watch your valuables. While Europeans are some of the friendliest people, there is always the chance that a thief will strike when you’re not looking. Always keep an eye on your bags and valuables and beware of pickpockets in the major cities such as Barcelona, Paris, and Rome. Keep copies or originals of receipts for any gear and valuables that you purchase.
Trip delays, interruptions, and cancelled flights: the last thing you want to deal with while travelling around Europe is an extended stay at an airport. If your flight is delayed or cancelled you can submit a claim for reasonable expenses you may incur (don’t go buying a fancy designer dress or a tailored suit, we mean t-shirt, toothbrush or the essentials). Also, be aware that a trip to Europe may include several stops, so you may have multiple flights and accommodation that has been paid in advance. If you need to return home due to a covered reason listed in the TID policy, you may be covered for trip interruption benefits to cover last-minute flight changes, and recoup any deposits, payments and expenses that you will lose.
Activities and sports injuries and gear cover while in Europe: with so many awesome destinations to choose from, Europe has something that will appeal to adrenaline junkies and outdoorsy types. Whether you’re into your snow sports (*cover for snow sports only available when you have selected the Snow sports cover option and paid the additional premium cover option), you’re a water baby, or you prefer to get your kicks from bungee jumping or rock climbing, you can be covered for a wide range of sports and activities. If something goes wrong and you injure yourself, a TID policy may be able to help with medical assistance, evacuation, and in the worst-case scenario, repatriation back home to Australia if medically necessary and approved by us. If you’ve decided to travel with your own surfboard or golfing equipment, there’s cover (benefit limits apply) on The Works and Annual Multi Trip plans to hire replacement equipment if your own is accidentally lost, delayed or damaged during your trip.

Europe travel insurance FAQs

Can I drive during my trip?

Yes, you can, as long as you have a valid license of course. The license(s) you hold must be valid at your destination and your country of residence for the class of vehicle you want to use. Driving is one of the best ways to get around Europe, especially between countries. TID’s The Works, The Basics and Annual Multi Trip policies automatically offer cover for car rental excess. The standard amount of cover is $6,000.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Choose a plan that suits your holiday.

Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.

The Works

Our most popular and comprehensive plan, the Works offers broad cover for international trips including unlimited cover for costs such as medical expenses and cancellation as well as added benefits.

The Basics

Sticking to a shoestring budget? Our budget plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.

Annual

Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trip you can take during a 12 month period.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

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Travel Insurance for the USA

Before you head to the States, consider travel insurance with TID.

Why should I consider travel insurance in the USA?
Do I need a visa to get into the USA from Down Under?
Hit the road with rental vehicle excess cover
Travel Safe in the USA
What do I do if I need urgent assistance?
Best time to travel to the USA

Visiting America is always going to be an experience whether it’s your first time or you’re a seasoned traveller to the land of the stars and stripes. You have the glitz of Las Vegas, the laid-back lifestyle of Hawaii, and the mix of cultures, nightlife and music of New Orleans.

With so much to explore, you may want to consider taking out TID travel insurance as it could come in handy if that boys road trip along Route 66 hits the brakes, you have an injury while exploring the great outdoors trying to get that perfect selfie, or if your flight is delayed or cancelled and your stuck in an airport indefinitely (not on our to do list when visiting the US!).

Why should I consider travel insurance in the USA?

From the dramatic cityscapes of New York to the gnarly waves of Maui – you can pack a lot into a trip from Australia to America. Aside from the accent, the currency and driving on the wrong side of the road, the culture is not too dissimilar from ours. Except there's one big difference: America is more than 15,000km away and there are plenty of places to visit that are not New York City, Las Vegas and LA. If something were to go wrong, it would be hard for you to get home quickly.

When you consider travel insurance for America, you're not just covering yourself against things like huge medical bills and theft, you also gain access to a global network which can offer you guidance and support if things go wrong. Travel insurance offers optional extras to tailor cover to suit your needs.

Get a quote to get your next domestic or international adventure underway today.

Do I need a visa to get into the USA from Down Under?

If you are an Aussie planning a trip to the US, you’re probably asking yourself if you need a visa to travel to the USA. If you plan to remain in the USA for less than 90 days, you may not need a visa, but will need to apply for a US Electronic System for Travel Authorization (ESTA). It takes about 15- 20 minutes to complete, and according to US Customs and Border Patrol, the ESTA will usually return an application status within 72 hours.

Note: Always check the travel requirements and restrictions for the countries you are planning to visit as rules and restrictions are subject to change.

Hit the road with rental vehicle excess cover

One of the best ways to discover and explore the USA is by road. You may need some extra days for some of the longer road trips, but it will be worth every penny as there are some incredible road trips to choose from, some of these include:

S. Route 66
Great River Road
The Loneliest Road in America
Vermont Route 100

You can rest assured knowing that TID policies automatically include rental vehicle insurance excess coverage if your rental vehicle is damaged or stolen while it's in your care. Check out our Rental Vehicle Insurance Excess Cover article to find out more information around coverage.

Travel safe in the USA

Despite some scary news headlines, travelling to the USA is safe. Spread across 50 states, some parts of the country are more secure than others, with most crime occurring in more urban areas. If you’re travelling to America, take precautions and keep your wits about you. Some things to look out for are:

Customs: While Australian citizens can buy an ESTA quite easily, be wary when entering the US as there are strict customs laws. Read up on border protection’s restricted items and be prepared to have your fingerprints taken.
Crime: Petty theft and pickpocketing do occur in some areas of America. Stay vigilant, keep your belongings secure and report any items stolen immediately.
Tickets: America isn’t short of concerts, sports games and shows to go to. If you’re planning on buying tickets, watch out for scammers who sell fakes or use the transaction to steal your card details.
Car theft: Reports of thieves stealing cars are still rife in the States, so if you’re hiring a car, park it in a safe lot and don’t leave any valuables inside.

Learn more

What do I do if I need urgent assistance?

Anything can happen when you travel to the US. The last thing you want is your USA holiday to turn into a nightmare because you didn’t consider travel insurance for medical emergencies, and other types of emergencies.

If your trip to the USA gets trumped by sudden illness or serious injury, our Emergency Assistance Team are on call to help get you back on your feet and exploring ‘the city that never sleeps’ or hiking the trails of Great Smoky Mountains National Park. The EA team are here to help in any kind of medical emergency, and ready to answer urgent questions as they arise.

Best time to travel to the USA

Deciding when to travel to America really depends on the type of holiday you want and how much budget you must spend.

Weather: The USA is a vast country, with diverse seasons across all four corners
North: Comfortable summers and snowy winters
East: Hot summers and cold winters
South: Humid summers and mild winters
West: Year-round warmth with hotter summers
Busy times: High season in the US is in June, July and August, so most places will be busier during these months.
Best flight deals: The cheapest month to fly to America is usually February but watch out! Some places can get cold at that time of year.

Always refer to the Australian Government’s Smartraveller website for current travel alerts affecting the USA before you buy a policy, before you leave Australia, and during your travels. TID’s Travel Alerts page is also an important page to keep bookmarked.

USA travel insurance FAQs

Am I covered for Coronavirus (COVID-19)?

All international plans include cover for overseas medical expenses. Depending on the plan you choose, there may also be cover available for some other Coronavirus related events. Cover is explained in detail here

Does travel insurance cover me for tornados, earthquakes, and hurricanes?

Cover may be available if you have to cancel your holiday due to a natural disaster such as a tornado, earthquake or hurricane. You may be covered for the cost of any lost pre-paid arrangements such as airfares and accommodation. You can also choose to re arrange your trip – so long as it's less than the cost of cancellation. You need to ensure you purchased your policy before the natural disaster became a known event and foreseeable. Natural disasters you may be covered for include flood, cyclone, typhoon, wildfire, tsunami, landslide, avalanche, volcanic eruption.

Note: Our definition of ‘Natural disaster’ does not include outbreak of disease, epidemic, pandemic, or any other event that is not specifically included in this definition.

Am I covered for skiing in the USA?

If you plan on going skiing or snowboarding, you will need to select and purchase the ‘Snow sports’ option when purchasing your policy. This will cover you for your time on the snow.

Will travel insurance cover my cruise to the Caribbean that departs from the USA?

Yes, it can. You just need to ensure you select ‘Caribbean Cruise’ and ‘United States’ as destinations when your purchase a TID policy as well as all other countries you plan to visit. You can always select ‘Worldwide’ if you’re usure which countries and regions you will be visiting or cruising around. For more information on TID’s coverage for cruising check out our Cruise Travel Insurance article.

What should I do if I need help understanding my policy?

Our Customer Service team is just a phone call away, ready and able to help you navigate your policy, what you may be covered for and any documentation you need to pick up along the way. TID’s travel safety team work to keep customers informed and publish information on major travel events on our website.

This is a brief summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement.

Travel Insurance for Bali

Enjoy your trip to Bali by considering travel insurance.

Why should I consider travel insurance in Bali?

As one of Indonesia’s most popular islands, Bali attracts plenty of surf-crazy tourists, food-loving travellers, and those keen on tapping into their spiritual side. Like all international destinations, Bali can throw curveballs in the direction of trusting tourists, which is where TID travel insurance may come in handy. Drink spiking is something to be vigilant about as it can result in a trip to the hospital or worse. Petty theft does occur, particularly in tourist areas, and of course, every year there are accidents and injuries caused by the many activities and adventures travellers tackle in Bali.

What can travel insurance cover me for in Bali?

Once flights, accommodation and any intended activities are booked, the rest is in the hands of the travel gods with travellers at the mercy of arrival and departure times, luggage transfers, and weather conditions. Here are some of the cover benefits available when you take out a TID insurance policy.

Overseas medical expenses

When you change climates and diet, illness can creep in. While no one likes getting sick on holiday, it can happen. Most of our travel insurance plans (excluding Domestic) provide unlimited cover for overseas ambulance, hospital bills and more.

Gadget cover

TID’s international policies may cover valuable electronic items, such as cameras, laptops and phones if they're stolen, permanently lost or damaged. You can purchase extra cover for your valuable items for an additional premium. If you need to make a luggage claim, please ensure you understand what we require.

Tour cancellation

Your TID policy – whichever level of cover you choose – may cover you if you have to cancel your trip due to unforeseeable events. If you've arranged an excursion and the tour operator cancels because of bad weather, or you cannot reach a tour in time because of travel delays, we may be able to reimburse the cost of the tour or portion of the cost that you couldn't attend.

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Cancellation/Deferrment

None of us can tell what is going to happen in the future – while you might be thinking it holds relaxing nights gazing at the water as the sun goes down at the Seminyak beach bars, sickness, accidents and more can result in a trip cut short, or a holiday that’s cancelled altogether.

TID travel insurance covers 11 specific events – if these occur you may have cover if you must cancel your holiday, or come home early, because of them. For the cancellation cover to apply, the event must have happened after your Certificate of Insurance was issued – that means if a volcano erupts and your holiday is going up in smoke, it’s too late to purchase travel insurance and hope you’ll be covered.

When choosing the TID policy that suits you best, there is an option to increase the covered amount for cancellation by selecting a benefit limit although there may be additional charges accordingly. Sub limits apply, and remember, if you simply change your mind about your trip, you’re unlikely to be covered.

Natural Disasters

As the go-to Indonesian island, Bali is prone to floods, earthquakes, volcanoes and tsunamis. And while it’s not something we like to think about, it should be a consideration and you should do your research before you set off.
When any of these occur, domestic and international flights are often thrown into chaos, bookings are forced to be shuffled, and in some cases, a diversion to another destination is required.

Travel insurance may help ease the financial burden if it’s an unexpected disaster. If however, it’s a known likelihood that there may be a natural disaster, such as the eruption of Mt Agung which has disrupted flights on many an occasion, then it may not be covered.
You can check our travel alerts before you go and keep an eye on government advisories for your destination.

Sports and Activities

Adrenaline junkies who have surfing, rafting or trekking on their Bali to-do list, will know that adventure travel comes with a risk. If something goes wrong and you injure yourself, a TID policy may be able to help with medical assistance, evacuation, and in the worst-case scenario, repatriation back home if medically necessary and approved by us. And if you’ve decided to take your own golf or surfing equipment with you, there’s cover (benefit limits apply) on The Works and Annual Multi Trip plans to hire replacement equipment if your own is accidentally lost, delayed or damaged during your trip.

For more on the sports and activities TID covers, head here.

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Popular Aussie traveller types to Bali

With vastly diverse landscapes, every star of hotel and all manner of activities, Bali offers something for travellers of all stripes.

Students

Those wishing to take a well-deserved break from studying can find solace in Bali. Whether you're travelling with school friends or venturing solo, the streets of Bali are often filled with fellow pupils seeking a taste of culture without being too far away from home.

Groups

Whether it's a big birthday bash or pre-wedding party, Bali knows how to accommodate group getaways. Group-friendly hotels scatter the island offering amenities to keep everybody happy. Our TID policies cover a maximum of two adults plus their dependent children, so if you're looking to cover a big party, you'll need to contact us to arrange group travel insurance across multiple policies.

Backpackers

Bali is a haven for Aussie backpackers looking for budget travel, sociable hostels and chilled-out vibes. If you're thinking about hostel-hopping across the island, our travel insurance may keep your trusty luggage, gear and you protected.

Families

Adventure, safari and water parks are just some of the awesome family days out on offer on Bali. Our travel insurance can cover families up to two adults and their children, can cover up to two adults and their children.

Travel Safe in Bali

While Bali is relatively safe to visit, it's always good to know some tips to make sure you've always got safety on your side.

Dodge theft: keep valuables in a bum bag, don't leave anything worth stealing in your hotel and lock your room at night.
Avoid Arak: cases of methanol poisoning have been reported because of this traditional Balinese drink. Only consume drinks from a reputable bar.
Stay healthy: wear plenty of insect repellent and sunscreen and do not drink the tap water or drinks with ice.
Cheeky monkeys: visiting the monkey forest in Ubud? Don't take food, hide your sunglasses and avoid grinning with your teeth at them.

To find out more about the dangers and possible threats before booking your trip, be sure to check TID’s Travel Alerts page.

Best time to travel to Bali

Bali is a pleasure to travel around at any time of year, but there are certain seasons that are cheaper and have better weather conditions.

Best weather: Bali is warm throughout the year, but the dry season between May and October is the most favourable.
Peak times: the tourist season runs from July to August, so flight and hotel prices may be higher during these months.
National holidays: Usually taking place in June, Idul Fitri is a two-day public holiday that marks the end of Ramadan, attracting large crowds.

Bali travel insurance FAQs

Am I covered if I ride a moped, scooter or motorbikes in Bali?

We see a lot of motorcycle accidents and the worst-case scenario is when someone is hurt and has no cover because they didn’t follow the terms and conditions of cover. For travel insurance cover to apply, you must be wearing a helmet at all times (even if local law doesn't require it) and you must have a valid licence to ride in Bali and the same class of vehicle back in your country of residence. There are certain terms, conditions, limitations and exclusions that apply to coverage for events that occur while riding a motorbike or scooter. If you comply with all of these, then cover may be available if the worst happens and you’re injured or killed.

Am I covered if a volcano erupts, or an ash cloud occurs in Bali?

Your TID policy offers cover for costs you incur because of natural disasters such as a volcanic ash cloud. However, to have cover available, you need to have purchased your policy before the event occurred. Check our travel alerts page to keep abreast of any events, and always have your browser locked on Smartraveller and the World Health Organization sites.

Am I covered if I travel to Bali while I am pregnant?

For full details check out this article, which explains all of the cover details if you’re planning to travel while pregnant.

This is a brief summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement

Travel Insurance for Hawaii

Going to Hawaii? Consider travel insurance cover for your trip

Why should I consider travel insurance for Hawaii?
What do I need to know when travelling to Hawaii?
What do I do if I need urgent assistance?

Why should I consider travel insurance for Hawaii?

Mai Tais, tiki torches, world famous surf and beaches for days! No wonder Hawaii is the holiday powerhouse it is. However, with natural disasters, expensive medical costs and the ever-present threat of spam related mishaps, there's a lot that can go wrong on your island getaway. TID offers travel insurance for Hawaii for those 'What if' moments.

What do I need to know when travelling to Hawaii?

Hawaii’s beautiful beaches, friendly and relaxed atmosphere, and incredible shopping are just some of the reasons why Aussies flock to Hawaii on a regular basis, with so many Islands and secluded beaches to relax on, the opportunities are endless. But sometimes paradise can also turn into a nightmare if severe weather events, injury, or illness gate crashes your trip.

Hawaii is known to experience severe weather such as flash flooding and volcanic activity. If adverse weather affects your connecting transport, or a natural disaster occurs and you cannot use your booked accommodation, you may be covered for the related expenses to find other transport or accommodation.

Hawaii also offers plenty of ocean-based activities such as windsurfing, scuba diving and kayaking. But you don’t want to be left out of pocket if you have an accident and need medical help or even worse if you have to be repatriated back home to Australia.

Always check the travel requirements and restrictions for the countries you are planning to visit as rules and restrictions are subject to change. Smartraveller is a good place to start. The TID travel alerts page is also worth regular viewing in the lead up to your holiday.

TID travel insurance coverage includes:

Cover for overseas medical expenses and cover for some Coronavirus-related events
Flexible levels of cancellation cover
Medical repatriation if you're severely injured or fall ill abroad.
Cover for lost, stolen or damaged valuables.
Cover for lost or delayed baggage.
Cover for cancellation or trip delay.
Optional cover for high value items which you can add at time of purchase
Giving back to the community: through the Footprints Network program you can make a micro donation to a project of your choice when you purchase a policy. It will have a positive impact on others no matter where you travels take you.

Get a quote to get your next domestic or international adventure underway today.

Traveller tip: don’t forget when travelling overseas, your Australian passport must have at least six months before its expiry date.

What do I do if I need urgent assistance?

Anything can happen when you travel to Hawaii. The last thing you want is your holiday going sideways because you didn’t consider travel insurance for medical emergencies, trip delays, lost or stolen bags or unexpected cancellations.

If your stopover doesn’t go to plan, our Emergency Assistance Team are on call to help get you back on your feet and exploring the tropical rainforests in Maui, enjoying the scenic drives, clear beaches, and picturesque views of Oahu, or the surf at Kiahuna Beach, optimal for surfers of varying skill levels.

The Emeregency Assistance team are on call to help in any kind of medical emergency, and ready to answer any urgent questions as they arise.

The above features and benefits area brief summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement.

What can travel insurance cover me for in Hawaii?

Here are some of the cover benefits available with your policy.

Don't like medical bills?

Compensation for unforeseen medical expenses incurred whilst on an overseas holiday

Unexpected cancellation?

Insurance if you have to cancel your trip due to unforeseeable events outside of your control (e.g. sudden illness).

Airline cancelled flight?

If your flight is cancelled by the Airline for operational reasons we cover the reasonable cost of meals and accommodation.

Taking luggage with you?

Cover if your luggage is stolen, permanently lost or accidentally damaged due to circumstances outside of your control.

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This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.