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Travel insurance

Selecting Allianz Travel Insurance at checkout is the easiest way to protect your investment, giving you more freedom to embrace your entire travel experience.

If you've already booked your flights, you can still find a plan to protect your trip.

Provides reimbursement for your prepaid, non-refundable travel expenses if your trip is cancelled, interrupted or extended due to a covered reason.

Provides benefits for losses due to covered medical and dental emergencies that occur during your trip.

Arranges and pays for medically necessary transportation following a covered injury or illness to an appropriate medical facility, return of dependents and more.

Provides reimbursement for eligible meals, accommodations and more when your trip is delayed for 6 or more consecutive hours for a covered reason.

Provies reimbursement for covered losses due to damaged, stolen or lost luggage and personal effects.

Provides reimbursement for the purchase of covered essential items during your trip if your luggage is delayed for 24 hours or more.

Award-winning, multilingual, travel experts here to help you deal with unexpected travel hiccups around the clock. We can help you find local medical and legal professionals, help with missed connections or lost/stolen travel documents, and more.

Free Look period

If you are not completely satisfied, you have 15 days (or more depending on your state of residence) to request a refund of your plan, provided you haven't started your trip or initiated a claim. Premiums are non-refundable after this period.

File a claim

Upload documents, track your claim status, and more through the convenient  online portal .

Virgin Money and Virgin Red offer exclusive Travel Insurance rewards for Virgin Red members

We know taking travel insurance out can be one of the least exciting ‘To Dos’ when planning for a trip, but that's all about to change with Virgin Red and Virgin Money . Virgin Red members will be rewarded for taking out travel insurance, so you can explore the world feeling safe and spoiled.

Virgin Money Annual Multi-trip Travel Insurance

If you’ve got a few trips coming up, Virgin Money’s annual multi-trip travel insurance will give you the peace of mind you need to truly relax.

What could be more relaxing than that? 3,500 Virgin Points that's what, from your friends at Virgin Red.

With Virgin Money’s Annual Multi-Trip insurance , you can choose up to 94 days’ worldwide cover per trip, with everything you care about covered – from your gadgets to your health.

Added benefits

Covid cover included - cancellation and medical expenses are covered by Virgin Money, as standard, if you’re diagnosed with Covid-19.*

Gadget cover as standard, plus optional extras​ - from Enhanced Gadget and Enhanced Covid Cover – to cover for winter sports, car hire excess, and more (fees apply).

On hand to help, 24 hours a day, 365 days a year - help is just a phone call away with Virgin Money’s worldwide medical emergency assistance helpline. ​

Your policy at your fingertips - looking after your policy is now a breeze, thanks to Virgin Money’s handy new online portal – from downloading docs to making a claim, all in one place.

*Please check your policy wording for full details and any exclusions.​

The Virgin Money travel insurance has three levels of cover : Red, Silver and Gold, so you can choose which suits you and your needs best.

Managing your travel insurance is a breeze. Simply register online then unwind knowing you can do anything from updating your personal details, to making a claim, all in one place. 

The fun part - spending your points

Virgin Red members are rewarded for everyday spending, and with everything from the biggest brands in retail, travel and entertainment to smaller treats or exciting new start-ups, there are so many different rewards which anyone would enjoy. Members can also use Virgin Points for good by supporting a number of different charities or helping develop technology to remove carbon from the atmosphere. 

What will you put your points towards? Your next flight, getaway or holiday? Navigating the world of Virgin Wines? Or another Virgin Red treat, experience or exclusive? Enjoy deciding.

Buy your travel insurance today with Virgin Red and Virgin Money and earn 3,500 Virgin Points.

Terms and conditions

Who can take up this offer? 

Virgin Red Members who are 18+ and resident in the UK. 

How do you take up this offer? 

It’s important that you follow these steps to make sure you are eligible for this offer. If you don’t, you might not get your points... and we don’t want that!

Buy a Virgin Money Annual Multi Trip Policy (the Policy) via the offer in the Virgin Red app or Virgin Red website.

You’ll see the offer listed in the “Earn Points” section of the Virgin Red app and website.

Just click on “Get Points” when you want to go ahead. This will link you to the offer page on the Virgin Money website.

From there, click on ‘Get a quote’ and fill in your policy requirements to receive a quote.

Make sure you choose the Annual Multi-trip Policy. The Policy start date must be within 45 days of buying the Policy.

When you’re happy to go ahead, pay for the Policy. o You will receive a confirmation email from Virgin Money.

You need to hold the Policy for at least 45 days to be eligible for the Offer before points are credited to your Virgin Red account. If you or Virgin Money cancel the Policy before 45 days, you won’t be eligible for points. 

This offer can’t be used in conjunction with any other offer. Points are only offered in year one of the policy. 

What is the offer?

If you meet the offer conditions, we’ll give you a Virgin Red promo code. You can redeem this code with our friends at Virgin Red to get 3,500 Virgin Points. 

We’ll send you an e-mail with your promo code within 28 days of you meeting the offer conditions. We’ll send your code to the e-mail you gave when you bought the Policy. The email will provide instructions on how to redeem the code within the Virgin Red app or website.

Your Virgin Red promo code can be used until 30 April 2023. Make sure to redeem your code before then.

Only one Virgin Red promo code will be generated per eligible Policy.

After you’ve redeemed your Virgin Red promo code, the points are added to your Virgin Red account. There is no specific expiry date for using the points. You’ll be free to use them in line with Virgin Red’s programme terms. You can find the terms here [ http://policies.red.virgin.com/terms ].

We thought we should highlight a few key things from Virgin Red’s terms: 

the points don’t have a cash value and they can’t be swapped for cash;

the available offers can change from time to time; and

the points cost for each offer can change too. 

Although we’ll be working closely with our friends at Virgin Red on this promotion, we aren't responsible for their terms, their marketing, or any of the offers available through their app. Just contact Virgin Red or the relevant offer provider if you have any questions about these topics. 

When can you take up the offer?

The offer will be available on an ongoing basis until we withdraw it. We can withdraw the offer without giving you any advance notice, but we’ll try to give some notice if we can.

The offer is subject to availability. This means we will definitely withdraw it when we’ve used up our stock of Virgin Red promo codes.

You don’t need to worry if we withdraw the offer when you’re part way through meeting the offer conditions. As long as you've bought the Policy before we withdraw the offer, you can still qualify. You’ll just need to continue to meet the rest of the conditions. 

What else do you need to know? 

You can only benefit from this offer once.

We’ll use your personal information to help us run the offer.

English law applies to the offer.

Standard Virgin Money Travel Insurance Policy conditions apply.

 If something goes wrong, we’ll try to fix it. If we can’t because it’s something we can’t control, or it’s not our fault, then we may have to change the offer. This includes suspending the offer or ending it early. We can make such changes without giving you notice. However, we’ll try our best to avoid making changes. And we’ll try to minimise any disappointment to you when we make changes. 

Who is the promoter?

We are Clydesdale Bank PLC trading as Virgin Money.

Our company number is SC001111.

Our registered office is 30 St Vincent Place, Glasgow, G1 2HL.

Virgin Red and Virgin Money give new customers 20,000 reasons to switch

Unlock Virgin Red: How to earn Virgin Points with a Virgin Money M Plus Account or Club M Account

Who wants to be a virgin points millionaire.

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Virgin Travel Insurance Review

Round-the-clock emergency assistance and unlimited cover for trip cancellations are just 2 reasons to choose virgin travel insurance..

In this guide

Compare your travel insurance quotes

Summary of virgin money's comprehensive cover policy, what cover options are available from virgin and what exactly do they provide, 1. international travel cover, 2. virgin domestic travel insurance, 3. virgin multi-trip travel insurance, looking for some extra cover for your trip additional options you may want to consider, what are the benefits and what are the drawbacks of virgin travel insurance, what is the maximum age i can still get travel cover, if something happens how do i make a claim, faqs about virgin, why choose virgin for your trip.

Destinations

Our Verdict

• Virgin Travel Insurance is one of the few providers we found that regularly offers discounts on its products, including for existing customers. Keep an eye out for the latest deals on their website.
• This provider offers a flexibility with its travel plans, with 6 cover types including 2 for domestic travel.
• We compared 10 leading travel insurance brands and found that Virgin Travel Insurance offered comparatively limited seniors cover, with a maximum age of 74 on some of its policies (correct as of June 2021).

Virgin Money Australia has expanded its insurance portfolio and now offers comprehensive travel insurance plans for both domestic and international trips to suit a range of needs and budgets.

You can compare the features of various Virgin Travel Insurance policies by using the table below and get a free quote.

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Who underwrites Virgin Travel Insurance?

Table updated August 2021 *Note: 'Unlimited' means that there's no capped dollar sum insured, however, other conditions and exclusions may still apply.

How can this page help me decide if Virgin Money Travel Insurance is right for me?

• What cover options are available from Virgin?
• Additional options you may want to consider
• What are the benefits and what are the drawbacks?
• How much excess do I have to pay when I claim?
• Frequently asked questions about Virgin

Whether you are a one-off or regular traveller, globetrotting around the world or keeping it local, you may be able to find suitable travel insurance cover with Virgin that you can more closely tailor with a range of extras.

If you are looking to secure a travel insurance plan for a single overseas trip, Virgin offers different levels of cover available to single travellers and family. For international travel, there are three cover levels that you can choose from:

• Comprehensive

How does each level of cover compare with another?

Table updated August 2021

Virgin Travel Insurance also provides comprehensive protection cover for applicants looking to take a trip locally in Australia. Going for a snowy adventure or hitting the golf clubs to practice your tee shot? You can take up additional sports cover to help protect yourself against loss or damage of sports equipment. Domestic cover from Virgin is available as a single or family plan.

What is covered under domestic travel insurance policies?

If you regularly travel overseas or locally, either for work or holiday purposes, you can take advantage of Virgin Multi-Trip insurance that provides cover for unlimited journeys within a 12-month period. Virgin Multi-Trip Travel Insurance cover is available as a single plan. However, if you take your spouse/de facto partner and/or children with you on these trips, they will be covered automatically.

What is covered under multi-trip travel insurance policies?

• Overseas emergency medical assistance
• Overseas emergency medical and hospital expenses
• Accidental death
• Permanent disability
• Cancellation fees and lost deposits
• Additional travel and accommodation expenses
• Travel delay expenses
• Alternative transport expenses
• Travel documents, credit card and cheques
• Theft of cash
• Loss of luggage and personal effects
• Luggage and personal effect delay expenses
• Personal liability
• Rental vehicle excess

Going away for a Ski Trip? Learn more about Ski Travel Cover

With Virgin Travel Insurance, you have the flexibility to tailor your policy of choice with additional cover options. These options will incur additional premiums:

• 24/7/365 Emergency Assistance. Virgin Travel Insurance is underwritten by Allianz who provide emergency assistance with Allianz Global Assistance.
• Claims process is quick. With Virgin Money you can access guidance for the travel insurance claims process – you call it up and the claims team can guide you through the claims process.
• Cooling off period. Virgin Travel insurance has a 14-day cooling-off period in case you change your mind or travel plans.
• No increased cover for expensive items. You cannot purchase increased cover for jewellery or Snow Sport Equipment.
• No one-way policies. Virgin Travel Insurance only covers trips that start and end in Australia.
• No already overseas option. You cannot take out cover after you have begun your trip.
• Limited seniors cover. Some Virgin Money travel insurance policies have a maximum age of 74 for policyholders.

Check if there are any active Virgin Travel Insurance coupon codes

You can make a claim by downloading a claim form and submitting your claim with the appropriate supporting documents

What documents will I need to provide with my claim?

• Police reports
• Medical reports
• Original receipts or proof of purchase and ownership

How long will it take for claim to be processed?

Questions about applying, q. who can purchase virgin money travel insurance policy.

• A. You are eligible for cover if:
• You are an Australian resident.
• You are taking out cover prior to the start of your journey.
• Your trip begins and ends in Australia.

Q. Which age group is eligible for Virgin Travel Insurance cover?

• A. The age limits will vary depending on type of cover you are looking to apply for:
• Single Comprehensive and Domestic – 16 years old and over
• Multi-Trip and Basic – 16 to 74 years old
• Essentials – 16 to 69 years old

Q. When should I buy my travel insurance policy?

• A. You may want to take out Virgin Travel Insurance cover as soon as you put down a deposit or fully paid for your trip, or up to 12 months before your departure date.

Q. When will my travel insurance cover start?

• A. Your policy will be active on the date you purchase your cover. You will receive an email confirmation and Certificate of Insurance after application.

Questions about cancelling policies

Q. can i cancel my virgin travel insurance policy.

• A. You can cancel your cover within the 14-day cooling off period and you will get a full refund of premiums paid. Conditions apply.

Questions about coverage

Q. will i be covered if i have a pre-existing medical condition.

• A. Virgin Travel Insurance Australia provides cover for pre-existing conditions specified on the policy. Conditions may apply depending on the nature of the condition.

Q. Does Virgin Travel Insurance cover one-way trips?

• A. No. For Australia, Virgin Money Travel Insurance only provides cover for trips that start and end in Australia.
• Travel with one of Australia’s largest general insurance providers. Despite being a newcomer to the travel insurance market, Virgin Money Australia is one the nation’s leading financial institutions. Virgin Travel Insurance policies are underwritten by Allianz Australia, one of the largest travel insurance groups in the country.
• Different options to suit many travellers. Virgin Travel Insurance has developed a variety of travel plans with features and benefits to suit different kinds of travellers and their needs. Looking for a basic cover? Virgin Travel Insurance offers Basic or Essentials cover for when you travel abroad. Want top level cover? The Comprehensive cover might be a suitable solution for overseas trips. Domestic travellers can also benefit from two levels of travel cover available through Virgin.
• Tailor your policy to more ideally suit your needs. You can customise your travel protection plan by adding different options to suit your needs. Depending on the type of cover that you opt for, you can choose to add sports cover, get extra cover for your valuables and luggage, or increase your rental vehicle excess.
• 24/7 emergency assistance no matter where you are in the world. With the support from Allianz Global Assistance, you can benefit from global emergency assistance with access to doctors, nurses and support staff; available 24/7 to Virgin Travel Insurance policyholders.
• 14-day cooling off period. Once you have purchased your Virgin Money Travel Insurance policy, you have 14 days to be sure that you have made the right decision. You can cancel your cover within this period and you will receive a full refund as long as you have not commenced your trip or made a claim.
• Cover for 36 pre-existing medical conditions at no extra cost. If you have a pre-existing medical condition, Virgin Travel Insurance provides cover for applicants with any one of the 36 listed on your policy at no extra cost. Virgin may offer full cover as long as you have not been admitted to a hospital for the elected condition in the 24 months prior to your policy’s commencement date. Some of the pre-existing medical conditions that Virgin travel insurance will cover include:
• Carpal Tunnel Syndrome
• Diabetes Type I and II
• Hypertension
• Hypothyroidism
• Macular Degeneration

Jessica Prasida

Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification.

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18 Responses

I’m looking for travel insurance. I’m on a 12-month visa here in Australia and I’d like to get comprehensive insurance for 12 months to cover my trip to the US in April. Can I get insurance for all my stay here in Australia? I’m from Ireland and I’m 68 years, healthy no illnesses.

Thank you for getting in touch with Finder.

General eligibility requirements for inbound travel insurance include:

• You must be a non-resident of Australia travelling to Australia for a temporary period and then returning to your home country
• You must be under 81 years of age at the time the policy is issued (age limits vary between insurers)
• Your trip must include travel within Australia
• You must have purchased cover less than 12 months prior to arriving in Australia

Since you have arrived in Australia and considering getting travel insurance for your trip to the US in April, you can check some non-resident travel insurance . I suggest that you contact your chosen insurer directly to know your cover well before leaving for your trip.

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

Can I book travel insurance outside of Australia? I am currently working in Japan then travelling to Thailand and UK. I am an Australian citizen.

Thank you for reaching out to Finder.

I’m afraid you may not be qualified to get one from Virgin Travel Insurance. Their insurance is backed by Allianz and they require that your journey should commence and end in Australia. You may want to check travel insurance for Australian expats to check your options. The page also discusses the types of cover that may be available for expatriates, coverage FAQs, etc.

Hope this helps and don’t hesitate to contact us back if you require further assistance.

Kind Regards, Mai

Hi, does this insurance cover cruises in Europe – italy/croatia/greece?

Hi Rosemary,

Thank you for leaving a question.

Yes, Italy, Croatia and Greece are covered by Virgin International Travel Insurance. Hope this helps!

Cheers, Reggie

What about disaster insurance cover for Bali?

Thank you for your inquiry.

Based on the Product Disclosure Statement of Virgin Travel Insurance, there is coverage when it comes to natural disasters when the natural disaster will affect your mode of transport. You may want to refer to our guide to Virgin travel insurance to know which cover options are available.

We also have a dedicated page for travel Insurance for Indonesia . Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

I have cover 22/5 to 6/6 had slight accident left paperwork at home.can you provide claim number. Cut to eyebrow going to emergency hospital

Hi Shirley,

Thanks for your question.

If you would like to make a claim with Virgin Travel Insurance, you will need to contact them directly or download a claim form from their website and submitting your claim with the appropriate supporting documents which includes police reports, valuations, medical reports, and original receipts or proof of purchase and ownership.

Please make sure to revisit the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a claim.

I hope this was helpful, Richard

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