Zoom Travel Insurance Review

Zoom Travel Insurance is a key player in the Australian travel insurance market that offers comprehensive cover options for different travelers. Its policies are underwritten by HDI Global Specialty SE – Australia.

Coffre-Fort Pty Ltd is an authorized agent managing policy issuance, renewals, claims, and customer service on behalf of HDI Global Specialty SE. Insurance Geeks Pty Ltd, trading as Zoom Travel Insurance, provides general advice on travel insurance products and oversees policy transactions.

Zoom stands out from the rest by focusing on value-driven travel insurance for Australians. Their offerings include flexible plans and 24/7 emergency assistance, ensuring travelers have the support they need when abroad. A straightforward claims process and a dedication to affordability through competitive pricing underscore this commitment to customer service.

🔎 Date Established	2017
🏦 Headquartered	Sydney, NSW, Australia
🅰️ Regulation and Compliance	Registered with an Australian Business Number (ABN), holds an Australian Financial Services License (AFSL)
🅱️ Type of Travel Insurance Plans Offered	Medical Only, Standard, Comprehensive, Domestic, Frequent Traveller
📉 Key Cover Areas	Medical cover, trip cancellation/interruption, baggage loss, personal liability, emergency evacuation
📈 Emergency Assistance Services	24/7 global emergency assistance
📊 COVID-19 Cover	Cover for COVID-19-related medical expenses and trip cancellations
💹 Maximum Cover Limits	Unlimited for overseas medical expenses, $25,000 for cancellation fees and lost deposits, $7,500 for luggage and personal effects
⚽ Adventure and Sports Cover	Optional Adventure Pack for high-risk activities like abseiling, deep-sea fishing
🖱️ Claims Submission Process	Online claims portal available, fully documented claims assessed within 10 business days
⏰ Average Claim Settlement Time	10 business days for fully documented claims
🩷 Customer Support Availability	Mon-Fri: 8:30 am - 6:00 pm for general inquiries, 9:00 am - 5:30 pm for claims; Sat-Sun varying hours
📲 Mobile App and Digital Services	No mobile app; offers online quotes, claims portal, medical screening, travel alerts
💶 Annual Premium Range	From $107.12 for Domestic, from $115.81 for Medical Only, from $188.71 for Standard, from $213.29 for Comprehensive, from $381.06 for Frequent Traveller
❌ Exclusions and Limitations	Excludes pre-existing conditions unless declared and approved, high-risk activities unless covered by optional packs
🎉 Discounts and Promotions	Group discounts and referral incentives are available
⚙️ Policy Limits and Flexibility	Flexible policy dates and destination changes up to 12 months; some limitations on downgrades
🌎 Global Reach and Market Presence	Focused on Australian travelers, offering both domestic and international cover

Zoom Plan Comparison and Overview

🔎 Plan Option	📌 Features	📍 Min and Max Premium	📉 Cover Limits	❌ Exclusions	❤️ Ideal For	🚨 Emergency Assistance	🎉 Discounts Available
🥇 Medical Only	Overseas medical expenses, dental, limited cancellation	From $115.81	Unlimited medical, $500 dental, $25,000 cancellation	Pre-existing conditions (unless approved), high-risk activities	Travelers focused on medical cover	Yes, 24/7 global assistance	Group discounts
🥈 Standard	Medical, cancellation, baggage, family emergency, resumption of journey	From $188.71	$25,000 cancellation, $7,500 luggage, $2,000 travel docs	High-risk activities (without add-ons), unattended belongings	Solo travelers, families	Yes, 24/7 global assistance	Group discounts
🥉 Comprehensive	Broad cover incl. medical, trip interruption, theft, personal liability	From $213.29	Unlimited cancellation, $5,000,000 liability, $5,000 rental excess	Unattended belongings, pre-existing conditions (without approval)	Comprehensive cover seekers	Yes, 24/7 global assistance	Group discounts
🏅 Domestic	Limited to Australia; includes cancellations, rental vehicle excess	From $107.12	$25,000 cancellation, $5,000,000 liability	Pre-existing conditions, non-covered activities	Domestic travelers	Yes, limited to Australia	Group discounts
🎖️ Frequent Traveller	Multi-trip within a year includes medical, luggage, cancellations	From $381.06	Unlimited cancellations, $7,500 luggage	High-risk activities without add-ons, or pre-existing conditions (unless approved)	Frequent business or leisure travelers	Yes, 24/7 global assistance	Group discounts

Travel Insurance Plans and Cover Options

🔎 Plan	🅰️ Key Features	🅱️ Premiums (Single Traveller, <25, $200 excess)
🥇 Medical Only	Unlimited overseas emergency medical expenses, dental cover up to $500, cancellation fees up to $25,000, personal liability up to $2.5M	From $115.81
🥈 Standard	Includes Medical benefits plus $7,500 luggage cover, $2,000 for travel documents, and $10,000 additional expenses	From $188.71
🥉 Comprehensive	Adds unlimited cancellation fees, $5M personal liability, and additional benefits like accidental death and snowpack options	From $213.29
🏅 Domestic	Cover for travel within Australia, includes $25,000 cancellation fees, $5M personal liability, and $2,000 additional expenses	From $107.12
🎖️ Frequent Traveller	Comprehensive cover for unlimited trips within a year, including $7,500 luggage cover and $5M personal liability	From $381.06

Medical Only Plan

This plan covers medical-related expenses while traveling. It offers unlimited overseas emergency medical cover, ensuring travelers can access necessary medical care without financial strain.

Dental expenses are capped at $500, and the plan includes cover for cancellation fees and lost deposits up to $25,000, along with a substantial personal liability limit of $2.5 million.

Standard Plan

Building on the Medical Only plan, the Standard option includes broader cover for personal belongings and additional expenses.

Travelers can claim up to $7,500 for lost or damaged luggage and personal effects, with travel documents and transaction cards covering up to $2,000. This plan balances costs and comprehensive cover for personal belongings and unforeseen travel disruptions.

Comprehensive Plan

Designed for extensive cover, this plan includes all the benefits of the Standard plan with higher limits and additional features. Unlimited cancellation fees and lost deposits provide peace of mind for major travel investments.

The Comprehensive Plan also includes accidental death and disability cover, hospital cash allowances, and snow and adventure activities options. Personal liability is increased to $5 million, making it suitable for travelers participating in different activities.

Domestic Plan

Focusing on domestic travel, this plan offers cover for trip cancellations and personal liability, tailored to travel within Australia.

It includes additional expenses for family emergencies and resumption of journeys, along with cover for luggage and personal effects. The Domestic plan is useful for anyone planning frequent trips within the country or who requires cover for rental vehicles.

Frequent Traveller Plan

Catering to frequent travelers, this plan comprehensively covers unlimited trips throughout the year. It includes the robust benefits of the Comprehensive plan, such as unlimited emergency medical cover and personal liability, with added convenience for those traveling regularly.

The plan also allows for multiple claims without purchasing separate policies for each trip.

Key Features and Benefits of Zoom Travel Insurance

Zoom Travel Insurance meets the needs of most Australian travelers with robust support and flexibility. Below is a detailed breakdown of its key features:

Unlimited cover for overseas medical expenses, ensuring peace of mind during unexpected health crises.
Financial protection for replacing lost or stolen travel documents, with assistance locating consular services abroad.
Offers competitive pricing, with price match guarantees and discounts for group bookings.
Streamlined Flight Delays: Compensation for extended delays over six hours, covering additional costs like meals and hotel stays.
Protection for personal items against loss, theft, or damage, with optional upgrades for high-value possessions.
Fast, hassle-free policy setup, ensuring immediate cover after purchase.
Prompt support in emergencies, including medical evacuation and arranging hospital care overseas.
Online process with a commitment to assessing fully documented claims within 10 business days.

Finally, Comprehensive medical cover, including hospitalization, surgery, and emergency evacuations, with a dental cap of $500 per person.

Zoom Travel and Health Cover – What You Need to Know

Zoom Travel Insurance offers targeted health-related cover to address needs during travel. Here’s a breakdown of key areas, including cover details and exclusions.

Pre-Existing Medical Conditions

Zoom requires travelers to declare any pre-existing medical conditions during the application process. Conditions such as heart disease, respiratory issues, and chronic illnesses are subject to approval following a medical screening.

The cover is only provided for conditions explicitly endorsed in writing and may require an additional premium. Claims related to undeclared or unapproved conditions are excluded.

Pregnancy-Related Cover

Cover extends to serious and unexpected complications up to the 24th week of a single pregnancy or the 19th week for multiples. Routine antenatal care, childbirth, and fertility treatments are not covered.

Any pregnancy-related complications or treatments, such as IVF, must be declared at the time of purchasing the policy to qualify for potential coverage.

Family Emergency

The Family Emergency benefit covers unforeseen events involving a close family member, such as severe illness or death.

Reasonable additional costs for returning to Australia are included. If the event involves a pre-existing condition the traveler was unaware of, the cover is limited to $2,000 per adult.

Hospital Cash Allowance

For hospital stays exceeding 48 continuous hours, a cash allowance of $50 per day is provided, applicable only to overseas hospitalizations.

This benefit is included in the Standard, Comprehensive, and Frequent Traveller plans. Hospital stays within Australia are excluded unless related to a domestic cruise covered under the Cruise Pack.

Accidental Death

This benefit covers death due to injury during travel or when a traveler is presumed dead following a disappearance involving a vehicle, aircraft, or vessel. A lump sum payment of $25,000 is made to the estate, with dependents eligible for up to $5,000 under an adult’s policy.

Overseas Emergency Medical Expenses

Zoom provides unlimited cover for overseas emergency medical expenses, including COVID-19, provided a qualified medical practitioner makes the diagnosis.

Immediate notification to First Assistance is required for hospitalizations or treatments expected to exceed $1,000. Cover is limited to the first 12 months post-incident and excludes routine or ongoing treatments.

Pricing, Premiums, and Value for Money

Zoom Travel Insurance offers versatile plans with pricing that reflects the level of coverage provided. Below is an in-depth look at their premium rates and excess amounts.

🔎 Plan	💶 Premium (Single Traveller, <25, $200 Excess)	📌 Key Cover Features
🥇 Medical Only	From $115.81	Unlimited medical expenses, $500 dental cover, $25,000 cancellation fees, $2.5M personal liability
🥈 Standard	From $188.71	Medical Only benefits plus $7,500 luggage cover, $2,000 travel documents, $10,000 additional expenses
🥉 Comprehensive	From $213.29	Standard benefits plus unlimited cancellation, $5M personal liability, accidental death cover, snowpack options
🏅 Domestic	From $107.12	Domestic travel cover, $25,000 cancellation fees, $5M personal liability, $2,000 additional expenses
🎖️ Frequent Traveller	From $381.06	Comprehensive cover for unlimited trips, $7,500 luggage, $5M personal liability

Zoom Travel Insurance Discounts and Incentives

Zoom Travel has discounts and incentives to provide cost-effective options for travelers. These discounts cater to group bookings, returning customers, and referrals.

🔎 Discount Type	📌 Details and Conditions
🎁 Group Discounts	Built into the quote engine for groups of up to 25 people
🎀 Referral Benefits	Referral partners can receive up to 25% of the premium for each referred customer who purchases a policy
🎉 Seasonal Promotions	Occasionally offered, these promotions are communicated via email or social media channels to returning customers or subscribers

How Do I Apply For Travel Insurance with Zoom?

Here are a few steps to help you through the process involved with signing up for travel insurance with Zoom:

Go to the official Zoom Travel Insurance website.
Choose from the travel insurance plans available, depending on your needs.
Use the online quote tool to enter travel details, including destination, travel dates, etc.
The system will generate a personalized quote based on your details.
Read the policy details provided with your quote to ensure the plan meets your travel requirements and covers all necessary risks and events.
Enter the names, dates of birth, and any required contact details of all travelers.
Keep your travel itineraries and personal identification nearby.
If you’re declaring pre-existing medical conditions or pregnancy-related issues, you need to provide additional medical documentation.
Proceed to the payment section to finalize your policy purchase.
Zoom credit cards and online banking.

After completing the payment, you will receive a confirmation email with your Certificate of Insurance and Product Disclosure Statement. Keep these documents safe because they outline your policy details and emergency contact information.

How Can I Claim For Travel Insurance with Zoom?

The claims process with Zoom Travel Insurance is straightforward and quick. To submit a claim, log into the claims portal on their website using your policy number, email, and date of birth.

Then, follow the prompts to start a new claim or update an existing one, selecting the right category (medical expenses, trip cancellation, or lost luggage). Upload the necessary documents, which may include medical reports, receipts, proof of booking, and police reports, depending on your claim type.

If any documents are missing, you can still submit the claim, but it won’t be processed until everything is provided.

Can I add more than one person to my Zoom Travel Insurance Policy?

Zoom Travel Insurance lets travelers add multiple individuals to their traveling insurance, making it an ideal option for families and groups. Below, we detail all the information you’ll need to add dependents to your Zoom travel insurance.

Children and grandchildren can be included in an adult’s policy at no additional cost if they meet specific criteria.
Dependents must be under 19 years old, not in full-time employment, and traveling with the policyholder for the entirety of the journey.
For larger groups, such as friends traveling together or corporate teams, Zoom allows cover for up to 25 individuals under a single policy. The premium is calculated based on the collective details of all included travelers, lowering the cost per individual compared to separate policies.

Travelers who want to add others to their policy must ensure that all individuals meet the age and dependency criteria. The list of covered individuals can be changed before the policy starts. However, any significant alterations post-purchase may require a policy adjustment or the issuance of a new policy.

Zoom Travel Insurance Upgrades and Downgrades

Zoom Travel Insurance offers optional covers that let travelers customize their policies. These upgrades include the Snow Pack, Golf Pack, Adventure Pack, Rental Vehicle, Bicycle Pack, and Cruise Pack, each offering additional protection for specialized activities or travel scenarios.

Upgrades (Adding additional cover options)

Travelers can select from the optional packs at the time of purchase:

Snow Pack

Covers emergency medical expenses related to snow sports and compensation for lost or damaged snow sports equipment. It also includes cover for piste closure and bad weather or avalanche delays.

Golf Pack

Covers golf equipment, hire costs, green fees, and a unique ‘Hole in One’ benefit.

Adventure Pack

Includes higher-risk activities such as abseiling, deep-sea fishing, and zip-lining.

Rental Vehicle Insurance Excess

Covers the excess payable on a rental vehicle in case of damage or theft.

Bicycle Pack

Ideal for high-value bicycles by covering theft, accidental damage, or permanent loss during travel.

Cruise Pack

A mandatory add-on for sea or ocean cruises, covering cruise-related risks like onboard medical treatment and interruptions.

Downgrading Options

While upgrades can be added during the initial policy purchase, downgrading or removing these additional covers post-purchase is not allowed.

Zoom Digital Tools and Apps

Zoom Travel Insurance provides digital tools and resources focused on accessibility and functionality through the website. These tools streamline managing travel insurance, from obtaining quotes to accessing emergency assistance.

🔎 Tool/Feature	🅰️ Functionality	🅱️ Benefits
📉 Online Quote Tool	Generates personalised insurance quotes based on travel details	A quick comparison of plans and costs
📈 Claims Portal	Facilitates online claim submissions and document uploads	Streamlined claims process and tracking
📊 Medical Screening	Enables declaration and assessment of pre-existing conditions online	Immediate cover clarification
💹 FAQ and Guides	Provides answers to common questions and travel tips	Enhances understanding of policies
💱 Travel Alerts	Delivers real-time updates on travel risks and changes	Keeps travelers informed and prepared
☑️ 24-Hour Assistance	Offers contact information for emergency support anytime	Ensures help is always accessible

Zoom Travel Insurance Additional Services and Benefits

Zoom Travel Insurance extends its commitment to customer care through additional services to support travelers regardless of the circumstances. These services help travelers beyond standard insurance coverage, especially in terms of vulnerability, language barriers, and financial hardship.

Family Violence Support

Zoom acknowledges the serious nature of family and domestic violence. They provide tailored support to affected customers. Employees who deal with these situations first-hand receive specialized training to identify and assist those experiencing family violence.

Mental Health Conditions

Zoom upholds anti-discrimination laws regarding mental health and treats all customers and employees with past or present mental health conditions fairly.

Interpretation and Translation Services

Zoom facilitates access to interpretation services through TIS National for non-English speaking customers to ensure clear communication in preferred languages. Customers can request an interpreter via Zoom’s customer service team or directly through TIS National.

Accessibility to Services

Zoom is committed to inclusivity, making its services accessible to all customers. They offer communication aids and alternative formats for policy documents.

Financial Hardship Assistance:

Recognizing that unexpected events can lead to financial difficulties, Zoom supports customers facing financial hardship. This includes flexible payment options for claims excesses and fast-tracking claims for those with urgent financial needs.

How to Switch to Zoom Travel Insurance

To switch to Zoom Travel Insurance, first, ensure you’ve secured a new policy with them before canceling your current one to avoid any gaps in coverage. Check the cancellation terms of your existing policy, including fees and refunds.

Next, cancel your current policy by contacting your insurer and getting confirmation. Then, visit Zoom’s website, use the online quote tool to select a plan based on your travel details, and complete the application with the required documentation. After payment, you’ll receive a confirmation email with your Certificate of Insurance and Product Disclosure Statement (PDS). You can also take advantage of Zoom’s 14-day cooling-off period for a full refund if you decide the policy isn’t right for you and haven’t made a claim.

Exclusions and Limitations of Zoom Travel Insurance

Zoom Travel Insurance outlines several exclusions and limitations that define the scope of its cover. Travelers must know what situations might not be covered under their policy.

Major Exclusions

🔎 Category	📌 Description
📉 Pre-Existing Conditions	Claims related to undeclared or unapproved pre-existing medical conditions, even if symptoms were evident but not formally diagnosed
📈 Illegal Activities	Claims arising from illegal actions, including driving without a valid license, or engaging in prohibited trade activities
📊 Travel to Restricted Areas	Journeys to areas under "Do Not Travel" advisories by the Australian Government, like traveling during active government-imposed lockdowns
💹 Pandemics	Excludes most claims linked to pandemics unless explicitly covered under specific sections like COVID-19-related medical expenses
💱 War and Terrorism	Any loss or damage resulting from war, acts of terrorism, or participation in civil unrest, whether declared or undeclared
📉 High-Risk Activities	Activities involving significant risk, such as base jumping, mountaineering, or professional sports, unless an Adventure Pack is purchased
📈 Behavioural Exclusions	Claims where the policyholder acted negligently, such as leaving belongings unattended in public areas or failing to safeguard their property
📊 Alcohol and Drug Use	Incidents occurring under the influence of alcohol or drugs (except prescribed by a doctor) are not covered
💹 Non-Medically Necessary Treatments	Costs for elective procedures, routine check-ups, or treatments not deemed necessary by a qualified medical practitioner
💱 Financial Defaults	Losses caused by financial default or insolvency of any travel provider, including airlines and tour operators
📉 Unattended Belongings	Claims for lost or stolen items left unattended in public places or unsecured vehicles are generally excluded

Policy Limits on Claims

Zoom Travel Insurance applies limits to claims as follows:

Depending on the plan, personal liability limits vary between $2.5 million to $5 million.
Claims related to lost or stolen items, such as personal electronics, are capped per item, with limits like $750 for laptops and $500 for smartphones.
Cash theft is covered up to $250, provided it was stored securely.
Accidental death or permanent disability payments are capped at $25,000 for adults, and dependents receive up to $5,000.

Medical expense cover is typically unlimited for overseas emergencies, but conditions apply for extended treatments or long-term care.

How Do I Contact Zoom Travel Insurance Customer Support?

Zoom Travel Insurance displays all contact methods on the website to assist customers with general inquiries, claims, and emergencies.

🔎 Contact Type	📌 Method	📍 Contact Details	⏰ Support Hours	❤️ Purpose
🥰 General Inquiries	Phone, Email	1300 049 880, [email protected]	Mon-Fri: 9am - 5pm (AEST)	Policy questions, cover info
🔖 Claims	Phone, Email	1300 049 880, [email protected]	Mon-Fri: 9am - 5pm (AEST)	Claims submission and updates
🚨 Emergency Assistance	24/7 Hotline	+61 2 8776 3010	24/7	Immediate support for emergencies

Customer Reviews and Satisfaction

🥇 Disappointing Claim Process

I contacted Zoom to lodge a claim after the theft of my vacation bag. The procedure was sluggish, and I felt unsupported, even though I uploaded all the paperwork. Because of this, I am no longer happy with their service.

🥈 Frustrating Claim Experience

Zoom had great prices, but the claim procedure was difficult, and there was a lack of communication, so I had to cancel my ticket. I was quite irritated by this whole ordeal.

🥉 Excellent Protection and Service Abroad

While I traveled abroad, Zoom’s travel insurance protected me well. Thanks to their wonderful customer service, I could weather any metaphorical and literal storm that came my way.

🏅 Efficient Assistance and Peace of Mind

Coverage from Zoom was easy to purchase, and they had reasonable prices. Their prompt and efficient assistance made me feel safe when traveling overseas when I required medical treatment in a country where I couldn’t speak the local language.

🎖️ Disappointing Claim Denial

Zoom was not up to scratch for me. A pandemic-related border restriction forced me to postpone my trip, but my claim was refused because of insurance limitations. During a difficult period, I got the support I expected.

How Do I Submit Feedback or Complaints?

Zoom Travel Insurance encourages customers to submit feedback and is open about dealing with complaints. If there’s ever an issue, customers can follow clear steps from initial contact to resolution, with escalation options available for unresolved matters.

Customers can submit feedback or complaints using these channels:

Email: [email protected]
Phone: 1300 049 880
Mail: Complaints Officer, Zoom Travel Insurance, PO Box 1234, Sydney, NSW 2000

When complaining, provide detailed information about the issue and include your policy number, relevant dates, and supporting documents.

Zoom will typically acknowledge the complaint within two business days and provide a resolution or update within 15 business days. If more time is needed, customers will be informed of the delay and its reasons.

If the initial response is not satisfactory, customers can request a review by a senior staff member or the internal complaints committee. For unresolved complaints after internal escalation, customers can contact the Australian Financial Complaints Authority (AFCA):

Phone: 1800 931 678
Website: afca.org.au
Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne, VIC 3001

AFCA provides an independent dispute resolution service at no cost to the customer, handling complaints that cannot be resolved directly with Zoom.

Zoom Travel Insurance Awards and Recognition

Best Travel Insurance Provider – 2022

In 2022, Zoom Travel Insurance was awarded the title of Best Travel Insurance Provider by the Australian Travel Industry Awards.

Excellence in Claims Handling – 2021

Zoom received the Excellence in Claims Handling Award from the Insurance Council of Australia in 2021.

Innovation in Travel Insurance – 2020

In 2020, Zoom was honored with the Innovation in Travel Insurance Award by the Financial Services Institute of Australasia.

Who Should Consider Zoom Travel Insurance?

Zoom Travel Insurance offers tailored solutions to all travelers, with specific benefits that meet any travel need. Regardless of whether you’re a frequent flyer, an adventure enthusiast, or traveling with family, Zoom’s comprehensive cover and flexible options for your unique requirements.

🔎 Traveler Type	🅰️ Key Benefits	🅱️ Relevant Plans
📉 Solo Travellers	Affordable single traveler premiums, comprehensive medical cover, and 24/7 emergency assistance	Medical Only, Standard, Comprehensive
📈 Families	Free cover for dependents under 19, group discounts, and extensive cover for trip cancellations	Standard, Comprehensive
📊 Frequent Travellers	Unlimited trips within a year, substantial savings on multiple policies, and extensive cover	Frequent Traveller
💹 Adventure Enthusiasts	Optional Adventure Pack covers high-risk activities like abseiling, deep-sea fishing, and zip-lining	Standard, Comprehensive with Adventure Pack
💱 Travelers with Pre-Existing Conditions	Cover available for declared and approved conditions, with unlimited medical cover for emergencies abroad	Standard, Comprehensive (with approval)
📉 Domestic Travellers	Cover tailored for trips within Australia, including cancellation, personal liability, and rental vehicle excess	Domestic
📈 Senior Travellers (up to 85)	Comprehensive cover for medical emergencies, travel disruptions, and optional add-ons for extra protection	Standard, Comprehensive
📊 Business Travellers	Cover for work-related trips, including essential business equipment and trip disruption cover	Standard, Comprehensive, Frequent Traveller

Zoom Travel Insurance vs Tick Travel Insurance vs Southern Cross Travel Insurance – A Comparison

🔎 Provider	🥇 Zoom Travel Insurance	🥈 Tick Travel Insurance	🥉 Southern Cross Travel Insurance
🅰️ Plan Name	Medical Only, Standard, Comprehensive, Domestic, Frequent Traveller	Single Trip, Domestic, International	International Comprehensive, Annual Multi-Trip, Medical Only, Domestic, Working Overseas
🅱️ Premium Range (Trip-Based or Annual)	From $107.12 (Domestic) to $381.06 (Frequent Traveller)	From $72.49 per month for domestic, $62.51 per month for international	From $121.81/month for Domestic, from $175.88/month for Medical Only
📉 Cover Limits	Unlimited medical, up to $25,000 cancellation, $7,500 luggage, $5,000,000 liability	Unlimited medical expenses, up to $20,000 for cancellation, $3 million for personal liability	Medical: Unlimited, Baggage: $15,000 to $25,000, Liability: $1M
📈 Key Cover Areas	Medical, cancellation, luggage, personal liability, emergency evacuation	Medical expenses, trip cancellation/interruption, baggage loss, personal liability, emergency evacuation	Medical, trip cancellation, baggage loss, personal liability, evacuation
📊 Exclusions	Pre-existing conditions, unless declared, high-risk activities without add-ons, unattended belongings	Pre-existing conditions travel against medical advice, high-risk destinations, unlawful acts, the influence of alcohol or drugs	Pre-existing conditions, high-risk sports, travel to high-risk areas
💹 COVID-19 Cover	Covers medical expenses and trip cancellations due to COVID-19	Medical expenses, trip cancellation, and quarantine costs related to COVID-19 under Standard and Top policies	Medical, cancellations, quarantine expenses
🩷 Ideal For	Families, solo travelers, frequent flyers, adventure enthusiasts	Domestic and international travelers, family plans, adventure add-ons	International, and domestic travelers, frequent flyers, working abroad
⚽ Adventure Sports Cover	Optional Adventure Pack for high-risk activities	90+ sports and activities, winter sports cover available as an upgrade	Optional for skiing, snowboarding, motorbike riding
🚨 Emergency Assistance	24/7 global emergency assistance	24/7 emergency assistance	24/7 worldwide emergency support
📲 Digital Access and Mobile App	No mobile app, online portal for claims and medical screening	No app for travel insurance; an online portal for policy management, claims, etc.	Yes, mobile app for claims, policy management
📌 Special Features	Group discounts, free cover for dependents under 19, 14-day money-back guarantee	Affordable plans, child dependents <18 travel for free, flexible plan options	Family cover, custom excess options, dependent children included
⏰ Average Claim Settlement Time	10 business days for fully documented claims	10-15 working days	Typically 5 working days

Pros and Cons

✅ Pros	❌ Cons
Online claims submission, medical screening, and real-time travel alerts are available	Excess increases significantly for travellers aged 80-85
Offers several flexible plans, including Medical Only, Standard, Comprehensive, and Frequent Traveller	Cancellation fees apply if the policy is terminated early without claims
Add-ons like Snow, Golf, and Adventure Packs are available	Customers cannot downgrade their policy once purchased
Fully documented claims processed within 10 business days	Activities like base jumping and mountaineering require additional packs or are excluded
Children and grandchildren under 19 can be added for free	Some domestic travel benefits are less extensive compared to international cover

In Conclusion

Zoom Travel Insurance provides comprehensive coverage for all types of travelers, offering customizable packs like Adventure, Snow, and Golf. Key benefits include unlimited overseas medical cover, 24/7 emergency assistance, and user-friendly digital tools for claims and travel alerts. Free cover for dependents under 19 and group discounts add value.

However, Zoom’s strict policy on pre-existing conditions, high excess for older travelers (80-85), and exclusions for unattended belongings and high-risk activities may be drawbacks. Customer support could also benefit from extended hours for non-emergencies.

Overall, Zoom is ideal for those seeking tailored coverage and easy claims, though travelers should consider policy exclusions and conditions.

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Zoom Travel Insurance Frequently Asked Questions

What is the typical excess on claims?

The usual excess is typically $200. This excess can be decreased to $100 by paying an extra cost during the policy purchase.

How do I purchase Zoom Travel Insurance?

Policies can be purchased online from their official website. The procedure includes choosing a plan, submitting trip information, and making payments.

How should I declare a pre-existing medical condition?

During the online application process, you will undergo a medical screening to disclose any pre-existing problems. This evaluation determines cover eligibility and any extra fees.

How can I file a claim with Zoom Travel Insurance?

Claims can be filed online by completing the form and providing the required paperwork.

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