Frequently Asked Questions

If you are an Australian permanent resident and are undertaking travel to an overseas destination, or travelling within Australia including Lord Howe Island, Cocos Island, Christmas Island, and intend to return to Your home in Australia upon completion of your Trip, You will be eligible to apply for cover under a Chartis Travel Insurance policy (underwritten by Chartis Australia Insurance Limited, ABN 93 004 727 753, AFSL 381686, trading in Australia as Chartis).

Children under 25 years of age who are financially dependent upon You and travelling with You, are covered free of charge on International, Annual and Domestic Comprehensive products.

Please click on your country of residence below to be delivered travel insurance plans for non-residents:

Travel Insurance Canada
Travel Insurance Finland
Travel Insurance Germany
Travel Insurance Ireland
Travel Insurance Israel
Travel Insurance Japan
Travel Insurance Korea
Travel Insurance New Zealand
Travel Insurance Norway
Travel Insurance Singapore
Travel Insurance South Africa
Travel Insurance United Kingdom
Travel Insurance United States
Other countries

For International Travellers aged under 70

Single Cover
The Policy covers You and Your financially dependent children or grandchildren, who are all under 25 years of age, who travel with You.

Family Cover
The Policy covers You and Your financially dependent children or grandchildren, who are all under 25 years of age, plus Your spouse, de facto partner of either gender or any adult Travelling Companion named in the Certificate of Insurance, all of whom must travel with You.

The Policy Holder must be between 18 and 69 years of age and needs to be included in the cover as an Insured Person.

For International and Domestic Travellers aged 70+

Single Cover
The Policy covers You and Your financially dependent children or grandchildren, who are all under 25 years of age, who travel with You.

Family Cover is not available for travellers aged 70+

For Domestic Traveller aged under 70

Domestic Comprehensive Cover

Single Cover
The Policy covers You and Your financially dependent children or grandchildren, who are all under 25 years of age, who travel with You.

Family Cover
The Policy covers You and Your financially dependent children or grandchildren, who are all under 25 years of age, plus Your spouse, de facto partner of either gender or any adult Travelling Companion named in the Certificate of Insurance all of who must travel with You.

The Policy Holder must be between 18 and 69 years of age and needs to be included in the cover as an Insured Person.

Domestic Cancellation and Emergency Expenses Cover

You can nominate up to 10 additional insured persons per policy. Premium are on a per fare-paying person basis.

The Policy Holder must be between 18 and 69 years of age and needs to be included in the cover as an Insured Person.

For Frequent Travellers aged under 70

If You selected single cover, the Policy covers You and Your financially dependent children or grandchildren, who are all under 25 years of age, who travel with You.

A Spouse travelling with You can be covered on an individual trip basis by paying an additional premium.

The Policy Holder must be between 18 and 69 years of age and needs to be included in the cover as an Insured Person.

Yes, cover is available for travellers over 70 at the time of departure, for international and domestic travel policies.

If you are aged 85 years and over and wish to apply for consideration of cover, you must contact the Medical Assessments Desk on 1800 008 473. They will need to know your age, destination and dates of travel. Once the assessment has been completed and an acceptance number provided, you will need to purchase your policy by phone from Chartis customer service on 1800 017 682.

International Travel Plans (F12, C12, D12, E12)

• You should select the travel plan designated for Your destination.
• If You have a multiple destination itinerary You should select the travel plan for the destination where You will spend the majority of Your Trip overseas, except where You will spend more than 96 hours of Your Trip in the continents of North America, South America or Antarctica.
• If You will spend more than 96 hours of Your Trip in the continents of North America, South America or Antarctica then You must select the Platinum Plan.

This policy will not cover any loss, damage or legal liability arising directly or indirectly from Travel in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, or Syria. Click here for more information to help you identify which plan suits your itinerary.

This policy will not cover any loss, damage or legal liability arising directly or indirectly from Travel in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, or Syria.

Yes. For International and Frequent Travellers, the most We will pay for each item per Trip is $1000 and cameras, video cameras, laptop computers equipment and sets of golf clubs are automatically covered up to $3,000.

By paying an additional premium You can insure your personal luggage items, pairs or sets of items worth over $1,000 up to a maximum amount of $4,000 per item.

The maximum amount you can specify for all specified items under one policy is $8,000.

A set of items is treated as a single item, for example, a pair of earrings, a set of golf clubs or a camera and accessories.

For International and Domestic travellers

Yes you can, prior to the expiry date of Your original Policy, apply for an extension of Your original Policy by payment of the required premium.

You will be required to confirm Your travel arrangements at the time and We will review this information and Your claims history, before we decide on Your application for extended cover. Terms and conditions may apply or We may decide not to offer an extension.

Cover must not exceed a period of 12 months in total from the departure date on Your original Certificate of Insurance.

For Frequent Travellers

This is an Annual Multi-trip Plan, you cannot extend Your Trip beyond 45 days.

It is also important You understand that acceptances for Existing Health Disorders cannot be extended beyond the original expiry date as shown on Your original Certificate of Insurance.

Yes, if You:

• a) Cancel before Your travel commences and within 14 days of purchase; and
• b) Have not made any claim; and
• c) Do not intend to make a claim under your policy.

You may cancel your policy by contacting Chartis Customer Service on 1800 017 682.

We will refund your premium in full, less any non-refundable Existing Health Disorder assessment fees (where applicable).

If You cancel your policy and obtain a premium refund, it will be as though Your policy had never existed.

If You cancel Your policy outside the 14 days cooling off period or after travel commences You will not be entitled to a refund of premium.

If you have an Australian issued Chartis Travel Insurance policy and intend to return to Australia on completion of your travel, and you are either an Australian citizen or Australian permanent resident, then you will be eligible for cover under a Chartis Travel Insurance policy.

If you do not hold a ticket for your return journey at the time of claim, We will deduct from any claim for repatriation you may make, the cost of the fare between your last intended place of departure and Australia at the same cabin class as your initial departure fare.

Most amateur sporting and adventure activities are covered at no extra cost on ALL plans. Activities covered include snow skiing, bungee jumping, para-sailing, water skiing, white water rafting, trekking, cycling and hot air ballooning.

You are covered for overnight travel on cruises and ferries. However, ocean yachting is excluded under the General Exclusions. Overnight boating or sailing may be considered to fall within this category of risk in some situations and therefore may be excluded. If you are unsure, please call our contact centre to determine whether your proposed activity will be covered before you travel.

In the case of an emergency call us from anywhere in the world on 60 3 2772 5592

Please call reverse charge where this service is available. Otherwise, just call the number provided above and we'll call you back.

Travel Guard™ are available 24 hours every day to help you and your family during a travel emergency with their dedicated and caring team of professional doctors, nurses, multilingual coordinators, travel and aviation specialists.

In the event of a medical emergency, Travel Guard™ will be on the line to assist you, organise the treatment you need, keep the relevant people informed and monitor your progress until you are well and home again.

Travel Guard™ has access to worldwide assistance centre services including:

• doctor and hospital referrals and appointments.

• emergency evacuations and repatriations.

• comprehensive case monitoring.

• translation/interpreter services in over 70 languages.

• assistance with lost luggage.

• credit card replacement services.

• help with any other problems that may arise while you and your family are away from home.

If you have any further questions you would like answered, please email us traveladmin@chartisinsurance.com or call 1800 017 682 8 am to 6 pm AEST Monday to Friday.

A computer capable of running Windows 98, Windows NT or higher is required.

The internet browser recommends at least 16MB of RAM and a 486DX 66 megahertz (MHz) processor and requires Internet Explorer 6.0 or Firefox 1.5.0.7 or any higher release versions of these browsers.

The Chartis website is designed to use 800 x 600 pixels screen resolution or higher.

Beta versions of these browsers cannot be guaranteed to work correctly with the web site. Other browser types or Macintosh hardware running Netscape or Internet Explorer are not guaranteed to work with the website.

If You make a claim You may be required to pay an excess. An excess is an agreed amount that is subtracted from a claim.

The nature of the excess and when it applies is described in the Policy Wording under 'Important matters about Your policy'.

For International and Domestic Travellers under 70

Excess Payable

For One-trip International plans,
5 weeks or longer duration $100 AUD
For Annual Multi-trip Plans $100 AUD
For One-trip Domestic plan $ 50 AUD

Excess Eliminator

The excess can be waived by paying the excess eliminator.
One-trip International plans up to 34 days duration are free of an excess on claims.

For International and Domestic Travellers aged 70+

Excess Payable

For Domestic travel plan $50 AUD
For International travel plans $100 AUD

Excess Eliminator

The excess can be waived by paying the excess eliminator.

Chartis Mature Age Travel Insurance is available and valid only for travellers aged 70 years and over at the date of departure.

Travellers aged under 70 years of age should refer to our Chartis Annual, International and Domestic Travel Insurance Policy.

Your policy can be issued online without the need for prior authorisation if:
• You are aged between 70 and 84 years at date of departure; and
• You selected the plan specified for Your major destination; and
• Your required policy duration falls within the table below.

If you require cover outside of the above conditions, you will need to contact us for an assessment. Please call 1800 008 473 and speak to our Medical Assessments Desk. They will need to know your age, destination and dates of travel. Once the assessment has been completed and an acceptance number provided, you will need to purchase your policy by phone from Chartis customer service on 1800 017 682.

If you have any existing health disorders for which you would like to apply for cover, they will take you through the process to determine whether we are able to provide you with cover for the disorder. Please click on the Medical Conditions tab, above, for more information about this process and associated fee.

If you decide to accept our terms of cover and our quoted premium, you may advise us over the phone and we can process your payment and issue you a policy with a certificate of insurance.