You can purchase your policy securely online via our website or contact our call centre during business hours.
When buying, you’ll:
Your Policy Schedule, medical certificate and a copy of the PDS will be emailed to you immediately or you can access these via our online portal.
Where to find it in the PDS: Section 2 – Things to Consider When Buying the Policy and The Policy.
Unfortunately, no.
Your policy must be purchased before you leave Australia (your Departure Point). Once you’ve departed, we cannot offer or backdate cover.
Where to find it in the PDS: Whether You Are Eligible for Cover.
To be eligible to buy a policy, you must:
Where to find it in the PDS: Section 2 – Whether You Are Eligible for Cover and Age Limits That Apply.
Yes. Cover may apply for unforeseen natural disasters such as:
Cover depends on:
Claims arising from known events at the time of purchase may be excluded.
(Refer to "Additional Accommodation & Travel Expenses," "Cancellation Fees & Lost Deposits," and "General Exclusions" in Section 2 of the Combined Product Disclosure Statement.) Where to find it in the PDS: Section 2 – Additional Accommodation & Travel Expenses, Cancellation and General Exclusions.
Where to find it in the PDS: Section 1 – The Terms on Cancelling Your Policy.
Yes, you can apply to extend your policy if:
Approval of extensions is at the insurer’s discretion, and an additional premium may be required.
Where to find it in the PDS: Circumstances in Which You Can Extend Your Policy.
An excess is the amount you contribute if you need to make a claim.
Where to find it in the PDS: The Level of Excess That You Prefer.
If you’re cruising within Australia:
The Cruise Pack provides additional benefits including Cabin Confinement, Missed Cruise Departure, Shore Excursion Cancellation, and more.
Regardless of the policy type, we can’t cover travel to the following destinations:
Cuba, Iran, North Korea, Russia, Ukraine, and Belarus
ReadySet Insurance also does not cover travel to destinations that:
If you travel despite any government ban, mandatory quarantine or isolation order, you will not be covered.
Travel advisories and destination warnings are issued by the Australian Government at Smartraveller.gov.au. It is your responsibility to review the latest travel advice for your destinations before and during your trip.
Important: Cover is not available for travel to destinations or areas rated as ‘Do Not Travel’ at the time of departure, or where a specific government ban, quarantine order or isolation requirement applies. Some countries may not be wholly restricted but may have restricted regions — please check specific area warnings.
Cover is subject to the terms, conditions, limits, sub-limits, and exclusions outlined in the PDS.
If you're experiencing difficulty due to reasons such as disability, English language barriers, or require further support (like a trusted support person), we encourage you to contact us directly. We’ll explain how we can help and discuss support options tailored to your needs.
You can take unlimited trips within the 12-month period of an Annual Multi-Trip policy. Each trip must not exceed the maximum trip length selected when you bought your policy (this will be shown in your Policy Schedule).
We recommend:
If you've lost your insurance documents, just contact ReadySet or log in to our online portal to download them again. You can also reach us by email or telephone for help.
If you need urgent medical assistance while overseas:
Healix International can:
Failure to contact Healix International where required may result in your claim being reduced or declined.
Healix International:
Tel :+61 2421 75923
Email: readysetinsurance@healix.com
Where to find it in the PDS: Section 1 – Emergency Assistance.
Unfortunately, no.
Your policy must be purchased before you leave Australia (your Departure Point). Once you’ve departed, we cannot offer or backdate cover.
Where to find it in the PDS: Whether You Are Eligible for Cover.
