Travel Insurance Direct

Policy Excess - Explained

What is the travel insurance policy excess?

The policy excess is the amount that is deducted from your claim payout. Excess is applied to each event that leads to a claim. The policy excess is set at $200 as standard on all TID policies, it can however be reduced to $100 or $0 for an additional premium payable at the time of policy purchase.

Why would I reduce my policy excess?

People often choose to reduce their excess in order to keep more of their claim payout in their pocket. In simple terms, if you want to keep more of your claim payout you will need to reduce your excess.

When would I reduce my policy excess?

You need to reduce your excess at the time of purchasing your policy. Keep in mind the excess cannot be changed once the policy has been purchased.

Policy excess FAQs

Do I need to pay a policy excess for every claim I need to make on my trip?

You need to pay a policy excess for each event that leads to a claims. For example if during your trip you become injured and as a result of that injury you incur medical expenses and have to cancel a flight that would be one claim and one excess. However, if you were to become injured and incur medical expenses, then the next day have your phone stolen, that would be two separate claims and two lots of excess payable.

What happens if the amount you claim for is less than the excess on my policy?

This can happen sometimes with smaller claims. If you want to cover yourself for smaller amounts, make sure you choose a lower excess option at the time of policy purchase (i.e. $100 or NIL).

Read the policy wording for full terms, conditions and exclusions and to ensure the product suits your needs.

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