Qantas travel insurance reviews are mixed, with some praising the coverage and others criticizing the claims process. It’s best suited for Qantas Frequent Flyer members who can earn points with each policy. Overall, it’s a solid option but may not be the best for everyone. It offers comprehensive coverage, including unlimited medical expenses and good COVID-19 protection. However, it has limitations for travelers over 69, who need a separate policy.
Qantas Travel Insurance is provided by Qantas Airways in partnership with AIG Australia Limited. The insurance offers a range of coverage options, including international and domestic plans, as well as annual multi-trip policies. Over the years, it has continuously updated its products to meet the evolving needs of travelers, including adding coverage for COVID-19 related incidents. The policies are designed to provide comprehensive protection, including medical expenses, trip cancellations, car excess cover, and luggage coverage. Additionally, Qantas Frequent Flyer members can earn points with each policy purchase. Luggage and personal effects are covered up to $15,000, and children under 12 are insured for free. You can earn Qantas Points with each policy, making it a rewarding choice for frequent travelers
Qantas travel insurance Coverages, Limits, Costs and Points
It’s important to understand that Qantas Travel Insurance costs can vary significantly based on several factors, including:
Destination: Domestic vs. international travel, Specific countries or regions.
Trip duration: The length of your trip.
Type of policy: Single trip vs. annual multi-trip, Level of coverage (e.g., comprehensive).
Age and health of travelers: Pre-existing medical conditions.
Added options: Specific cover for high-value items or activities.
Bellow table provides a quick overview of the main features and costs of Qantas Travel Insurance
| Coverage Type | International Comprehensive | Australian Comprehensive | Annual Multi-Trip |
|---|---|---|---|
| Emergency Medical Expenses | Unlimited | N/A | Unlimited |
| Trip Cancellation Costs | Unlimited | Up to $5,000 | Unlimited |
| Rental Car Excess Cover | Up to $8,000 | Up to $8,000 | Up to $8,000 |
| Luggage & Personal Effects | Up to $15,000 | Up to $5,000 | Up to $15,000 |
| Children Under 12 | Covered for free | Covered for free | Covered for free |
| Cost | From $96 | From $25 | Varies based on trips |
| Qantas Points Earned | Up to 15,000 points | Up to 15,000 points | Up to 15,000 points |
Qantas travel insurance pros and cons
When considering Qantas Travel Insurance, it’s helpful to weigh the pros and cons. By carefully considering these pros and cons, you can make an informed decision about whether it is right for you.
Pros
- Unlimited Medical Coverage: Offers unlimited emergency overseas medical expenses, including dental.
- COVID-19 Coverage: Provides good coverage for COVID-19 related incidents, including medical diagnoses and trip cancellations.
- Qantas Points: Earn Frequent Flyer points with each policy, making it a rewarding option for frequent travelers.
- Generous Limits: High coverage limits for luggage and personal effects, up to $15,000.
- No Excess on Domestic Policies: $0 excess on domestic policies, which can be beneficial if you need to make a claim
- 24/7 Emergency Assistance: Qantas provides access to a dedicated emergency assistance team.
Cons
- Cost: Depending on your needs, Qantas Travel Insurance might be more expensive compared to other providers.
- Age Limitations: Standard policies are available only for travelers up to 69 years old; those over 69 need a separate policy.
- Pre-Existing Conditions: Like many providers, coverage for pre-existing medical conditions can be limited or require additional costs.
- Customer Reviews: Mixed customer reviews, with some users reporting issues with the claims process.
- Limited Flexibility: Policies are not as flexible as some other insurers, with fewer options to tailor coverage.
- No Coverage for Fraudulent Credit Card Activity: Does not cover fraudulent credit card activity
Qantas Travel Insurance Claims Review
Qantas provides an online claims portal, which is often the quickest way to lodge a claim. You can also make a claim by calling their claims team. Alternatively, you can download a claim form, complete it, and email it to them. Qantas aims to review claims within a specific timeframe, but this can vary depending on the complexity of the claim. By understanding the claims process and providing the necessary documentation, you can increase the likelihood of a successful claim.
Information Needed for a Claim:
- Your policy number.
- Detailed information about what happened, including dates and times.
- Copies of all relevant receipts and supporting documentation.
- If applicable, a police report number.
- Your bank account details for payment.
Based on Qantas travel insurance reviews Many users reported poor customer service experiences, with claims being handled slowly and sometimes denied. Also Some customer reviews faced significant delays and difficulties in getting their claims approved.
Last Customer Reviews Analyses
Qantas Travel Insurance Positive Reviews
Online reviews are spread across many platforms, we provide you a summary of the recurring positive themes that would contribute to 5-star reviews, based on our analysis of available information:
- When customers experience smooth, efficient, and fair claims processing, it leads to very high satisfaction. This would involve prompt responses, clear communication, and timely payouts.
- Travelers who have relied on Qantas Travel Insurance during significant medical or emergencies and received excellent support are likely to give 5-star reviews. This includes cases of:
- Emergency medical evacuations.
- Major trip cancellations.
- Significant lost luggage incidents.
- The “unlimited” overseas medical coverage offered by them is a major selling point. Customers who value this level of protection are highly likely to rate their experience positively.
- Loyal Qantas customers who appreciate the ability to earn frequent flyer points and the integration with the Qantas ecosystem are inclined to give high ratings.
- Positive interactions with customer service representatives, especially during stressful travel situations, contribute significantly to 5-star reviews.
- Customers who find the policy terms and conditions easy to understand and appreciate the transparency of coverage are more likely to give positive feedback.
- In the current climate, customers who have benefited from Qantas’s COVID-19 coverage, whether for medical expenses or trip cancellations, express high satisfaction.
- Those who use the annual multi trip policies, and find they are great value for money, and easy to use, will give very positive reviews.
- Customers who have used the domestic travel insurance, and appreciate the $0 excess, will rate the insurance very highly.
- The over all feeling of security, that comes from knowing that they are insured by a well known and trusted brand, leads to very high customer satisfaction.
Qantas Travel Insurance Negative Reviews
Analyzing 1-star negative customer reviews can reveal recurring problems. Here are some of the common themes found in negative Qantas Travel Insurance reviews:
- Many 1-star reviews highlight frustrations with the claims process, including: Long delays, Requests for excessive documentation, Denials of claims that customers believed were covered and Lack of communication.
- Customers frequently complain about: Difficulty reaching customer service representatives, Unhelpful or uninformed staff and Lack of empathy during stressful situations.
- Some customers report that they felt the policy terms were unclear or misleading, leading to unexpected claim denials.
- Disputes often arise regarding coverage for pre-existing medical conditions, with customers feeling that they were not adequately informed of exclusions.
- Customers are upset when they find that situations they thought would be covered, are in fact excluded from the policy. Especially when these exclusions are found after purchasing the policy.
- Some reviews express disappointment with the limits of coverage, particularly for things like lost luggage or trip cancellations.
- There are reports of quotes not being honored, and policy changes occuring between the time of the quote, and the time of purchase.
- Customers feel that when Qantas cancels flights, that Qantas travel insurance should cover all extra expenses.
- Some customers find it very difficult to extend their policies while they are traveling.
- A general feeling of incompetence from the Qantas travel insurance staff, is a common theme.
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