Got a question for Kit?

Answers to all the most commonly asked questions are right here.

Use our Frequently Asked Questions as a guide to steer you in the right direction. If you don’t see your question here just drop us an email at hello@travelwithkit.com and we’ll get right on it. For a complete view on Travel with Kit policies, please check the Product Disclosure Statement.

  • How do I make a claim?

    Our claims process is easy and fast. If you need emergency assistance, call our 24-hour emergency line immediately for guidance on what to do next. So we can help you as quickly as possible, have your policy number handy when you call. If you don’t have it with you, don’t worry, we can look it up. We’ll just need to run a few questions by you first for security reasons.

    In an emergency call +61 2 5507 1223 and reverse the charges.

    For all emergency and non-emergency claims, you’ll need to complete a postal claim form. In our step by step guide, you can download the right form for your claim, as well as find out about the support documents you’ll need to send along with your claim. If you need help filling out your claim form, call us on 1300 193 301 and we’ll be happy to point you in the right direction. Looking for more ways to contact us?

  • I’ve become sick or injured overseas, how do I contact Kit?

    We’re here day and night, to help you if you’ve been in an accident, become unwell, or need emergency medical attention while travelling overseas.

    Call +61 2 5507 1223 and reverse the charges.

    So we can help you as quickly as possible, have your policy number handy when you call. If you don’t have it with you, don’t worry, we can look it up. We’ll just need to run a few questions by you first for security reasons.

    If you’ve been caught up in an accident, injury, or sickness and think you might need hospitalisation or evacuation back to Australia, call us – or have someone call on your behalf – straight away, anytime.  Please keep in mind that for us to assist you with an overseas medical emergency or evacuation claim, you need to have called us first to discuss the situation before starting treatment.

  • Can I reverse charge call you in an emergency or for a claim while overseas?

    Absolutely! If you’re overseas and need to call us in an emergency or to make a claim we’ll accept a reverse charges call. These can be made in most countries by contacting the international operator, however, there may be restrictions when using mobile phones. Here are some of the Telstra reverse charges numbers for some carriers overseas.

  • Does Kit cover medical expenses within Australia?

    Unfortunately that’s a no. By law, all Travel with Kit policies are not permitted to cover medical expenses incurred within Australia. If you become sick or injured while travelling in Australia, you’ll be entitled to cover for treatment under Medicare and, or your private health insurer.

  • Am I covered if I’m pregnant?

    Traveling with a little extra luggage? Congratulations on your baby news! If you’re heading off on a babymoon, or for any other reason while pregnant, you’re definitely covered for most items listed in your travel insurance policy. Where it gets a little technical is if you’re needing to claim for certain hospital or medical emergency expenses that are related to your pregnancy, including childbirth.

    At a certain point in pregnancy, doctors advise that long trips are not the safest idea. Having a baby overseas in a medical emergency is no doubt the last thing you’d want. So if you’re at, or passed 26 weeks of your pregnancy, or 19 weeks with twins or more, you’re advised not to travel, and are not covered for pregnancy-related medical expenses. You are also not covered for medical expenses if you are undergoing fertility treatment, either now or before you start your trip, and, if you have experienced any pregnancy complications or other health complications that you have been advised may adversely affect the pregnancy.

  • Are my kids covered by my insurance?

    Absolutely. Any dependants aged under 19 who don’t have a full-time job will be automatically insured if you name them on your Travel with Kit insurance policy, as long as they travel with a parent, grandparent or guardian for 100% of the
    journey. And what’s even better — they get insured for free! If you upgrade your cover to include Winter Sports, they’ll be covered by this optional cover too.

  • What if I develop a condition after I’m covered but before I leave on my trip? Am I covered?

    Yes – as long as you aren’t aware of any symptoms or aren’t seeking treatment for the diagnosed condition before you buy a Travel with Kit policy, we can cover you for cancellation costs if you have to cancel the trip due to becoming sick. Once you leave on your trip, we can’t cover you for this specific pre-existing medical condition.

  • I have a pre-existing medical condition that isn’t automatically covered. Can I still get cover?

    If you have a condition that doesn’t meet the policy requirements for automatic cover, we won’t be able to cover that condition under any of our travel insurance policies. However, your Travel with Kit insurance will still cover you for a range of included conditions, along with all the other standard policy benefits such as trip cancellation, or lost luggage.

  • What is a pre-existing medical condition?

    A pre-existing medical condition means:

    1. An ongoing medical or dental condition that you’re aware of, or any related symptoms or complications you’re aware of.
    2. A medical or dental condition that is currently being, or has been, investigated or treated by a health professional (including a dentist or chiropractor) at any time before you buy the policy.
    3. Any condition you take prescribed medication for.
    4. Any condition you’ve had surgery for.
    5. Any condition you see a medical specialist for.

    This definition applies to you, your travelling companions, a relative or any other person. We automatically cover 43 pre-existing medical conditions (see below), as long as you haven’t been hospitalised (including day surgery or attending an emergency department) for that condition in the past 24 months.

    See the Product Disclosure Statement for full details of the terms, conditions and exclusions before you buy Travel with Kit insurance, so you can be sure it’s right for you.

  • Which pre-existing medical conditions are covered?

    If your pre-existing medical condition isn’t listed below, it won’t be covered by Travel with Jane insurance:

    1. Acne
    2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance and Hay Fever
    3. Asthma, providing that you:
      1. have no other lung disease; and
      2. are under the age of 60 on the date you buy the policy
    4. Bell’s Palsy
    5. Benign Positional Vertigo
    6. Bunions
    7. Carpal Tunnel Syndrome
    8. Cataracts
    9. Coeliac Disease
    10. Congenital Blindness
    11. Congenital Deafness
    12. Diabetes Mellitus (Type 1)1, providing that you:
      1. were diagnosed over 12 months ago; and
      2. have no eye, kidney, nerve or vascular complications; and
      3. do not also suffer from a known Cardiovascular Disease, Hypertension, Hyperlipidaemia or Hypercholesterolaemia; and
      4. are under the age of 60 on the date you buy the policy
    13. *Diabetes Mellitus (Type 2)*, providing that you:
      1. were diagnosed over 12 months ago; and
      2. have no eye, kidney, nerve or vascular complications; and
      3. do not also suffer from a known Cardiovascular Disease, Hypertension, Hyperlipidaemia or Hypercholesterolaemia
    14. Dry Eye Syndrome
    15. Epilepsy, providing there has been no change to your medication regime in the past 12 months
    16. Folate Deficiency
    17. Gastric Reflux
    18. Goitre
    19. Glaucoma
    20. Graves’ Disease
    21. Hiatus Hernia
    22. Hypercholesterolaemia (High Cholesterol)*, provided that you do not also suffer from a known Cardiovascular Disease and/or Diabetes
    23. Hyperlipidaemia (High Blood Lipids)*, provided that you do not also suffer from a known Cardiovascular Disease and/or Diabetes
    24. Hypertension (High Blood Pressure)*, provided that you do not also suffer from a known Cardiovascular Disease and/or Diabetes
    25. Hypothyroidism, including Hashimoto’s Disease
    26. Impaired Glucose Tolerance
    27. Incontinence
    28. Insulin Resistance
    29. Iron Deficiency Anaemia
    30. Macular Degeneration
    31. Meniere’s Disease
    32. Migraine
    33. Nocturnal Cramps
    34. Osteopaenia
    35. Osteoporosis
    36. Pernicious Anaemia
    37. Plantar Fasciitis
    38. Raynaud’s Disease
    39. Sleep Apnoea
    40. Solar Keratosis
    41. Trigeminal Neuralgia
    42. Trigger Finger
    43. Vitamin B12 Deficiency
    1. Diabetes (Type I and Type II), Hypertension, Hypercholesterolaemia and Hyperlipidaemia are risk factors for Cardiovascular Disease. If you have a history of Cardiovascular Disease and it’s a pre-existing medical condition, cover is excluded for these conditions.

Understand your cover

Conditions and exclusions apply to every cover level and optional pack. View our Combined Product Disclosure Statement and Financial Services Guide for full details. Sub-limits apply. Not sure? Our friendly team are here to help. Get in touch

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