Changes and Cancellation | Travel Insurance Direct (TID)

• Amending your travel insurance policy
• Refund inside the cooling-off period
• Refund beyond the cooling-off period
• Single Trip policies on The Works, The Basics and Domestic Plans
• Annual Multi Trip Policies
• Understanding what it means to cancel your policy
• How to make changes to your policy

Even the most organised globetrotters with the best laid plans can have their travels thrown into chaos due to unforeseen circumstances.

With Travel Insurance Direct (TID), whichever policy you choose allows you to amend extend, or cancel your travel insurance policy. You can do this via your online account or by contacting us – when you get in touch we will check your policy and make any changes we can in accordance with your circumstances.

Amending your travel insurance policy 

If the trip start date on your policy has not yet passed, and you haven't made and don’t intend to make a claim and your health status is unchanged, then you can change the trip start date to align with your new travel plans. 

It is worth noting that you can only move your trip start date to a date that is up to 12 months after the date that appears on your Certificate of Insurance paperwork. You can also amend details or extend the policy up to the maximum duration.

It's important to understand that there may be limitations to cover relating to Coronavirus, Do Not Travel warnings, border closures and travel bans, which may also limit your cover if you amend your existing policy. Refer to the Product Disclosure Statement (PDS) for further details.

Refund inside the cooling-off period

Both International and domestic TID policies – The Basics, The Works, Domestic, Annual Multi Trip  - are subject to a 21 day ‘cooling-off’ period within which travellers may be able to cancel their policy and receive a full refund. 

If you want to cancel a policy within the cooling-off period, TID will refund your premium as long as you aren’t using your policy in any way, for example:

- you haven’t travelled under your policy or started your trip;
- you have not made a claim and do not intend to make a claim; and
- you are not exercising any other right under the policy.

For full details on the cooling-off period, refer to the PDS. 

Refund beyond the cooling-off period 

As a team of passionate travellers ourselves, we know that in some circumstances you may be unable to travel due to border closures or natural disasters which may impact you after the cooling-off period has expired. 

In these circumstances, TID may offer eligible customers the option to cancel their policy outside the cooling-off period and obtain a refund. Please note: to be eligible for a refund, you cannot have started your trip, have made a claim, or intend to make a claim or exercise any other right under your policy.

Single Trip policies on The Works, The Basics & Domestic Plans 

If you are unable to travel due to coronavirus related travel restrictions, and you haven't used and don't need to use your policy to travel or claim, you are eligible to be considered for a refund.

Before you go ahead and cancel, we ask that you consider the implications and any existing value under the policy, including for example any pre-trip cancellation cover you may have. The extent of cover afforded will depend upon both the PDS and your individual circumstances. 

Annual Multi Trip policies 

For Annual Multi Trip policyholders whose travel plans are disrupted by coronavirus travel restrictions, we recognise you may be unable to travel and may wish to cancel your policy. 

If you are unable to fully use your policy due to  travel restrictions, and you haven't and don't need to use your policy to claim you may be eligible to obtain a refund for the unused portion of your policy. 

We will calculate any refund from the later of the date you returned to your home, and the date your use of your policy was impacted by a coronavirus related travel restriction. 

Understanding what it means to cancel your policy

Remember, cancelling your policy means you won’t be eligible for any cover, and you won’t be able to make any claim under the policy. If you request and are granted a refund, your policy cannot be reinstated.

If you have any questions or for assistance when claiming, please contact us. 

How to make changes to your policy

1. Sign in to your account

Log in using the account details you created when you bought the policy

2. Choose policy

Choose the policy you wish to cancel,
Choose Cancel,
Choose cancel and confirm that you will not be making any claims.

Protected by Australian Patent No.2003257498 and New Zealand Patent No. 529087

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.