When do I have to pay the excess?

You would only need to pay an excess if you have to make a claim. 

The amount of excess you need to pay will depend on the excess amount that you selected at the time of policy purchase, and will usually be deducted from your claim payout.

If you paid an additional premium at the time of policy purchase to reduce your Standard excess to $0, then you do not have to pay an excess when you make a claim.

Already Overseas policies:
The excess for Already Overseas policies is $500. It is NOT possible to reduce or remove this excess.

Medical Excess:

  • For travellers aged 80 - 89, a $2,000 medical excess applies for all medical claims arising from, related to or associated with an injury or sickness.
  • For travellers aged 80 - 89, a $2,000 medical excess applies for all Trip Cancellation Expenses claims arising from, related to or associated with an injury or sickness.
  • It is NOT possible to reduce or remove the medical excess

For more information, refer to our Product Disclosure Statement (PDS).

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