International Travel Insurance

You need to tell ReadySet where you are travelling because your policy only covers loss, injury or illness occurring in the countries or regions shown on your policy schedule.

You do not need to list a transit stop if it is shorter than 24 hours and you remain at the airport. All other destinations included in your itinerary must be declared.

Before you buy, read the Product Disclosure Statement (PDS) to understand the terms, conditions, limits and exclusions that apply to your policy.

Visiting more than one destination? Include them when you get your quote so they can be reflected in your policy.

Yes. Once your journey has started, you can ask ReadySet to add a new destination to your policy, as long as you have not already entered the country or region you wish to include. Some destinations may be added without charge, while an additional premium may apply for others.

Any change to your cover only applies to circumstances that arise after ReadySet has issued an updated policy schedule confirming the change. Your policy only covers events occurring in the countries or regions shown on your policy schedule.

Before you travel, read the Product Disclosure Statement (PDS) to understand the terms, conditions, limits and exclusions that apply to your policy. 

Thinking about adding another stop? Contact our team before travelling to the new destination so we can help you update your policy.

You can choose your own medical adviser, or ReadySet’s emergency assistance provider, Healix International, can appoint an approved medical adviser to see you.

However, you will not be covered if you choose private medical treatment when publicly funded services or treatment are readily available, including treatment available through a reciprocal healthcare agreement between Australia and the country you are visiting.

If you are hospitalised, require medical evacuation or transfer, or your outpatient treatment is expected to exceed $1,000, you or someone travelling with you must contact Healix International as soon as possible to obtain prior approval for the relevant expenses. 

Before you travel, read the Product Disclosure Statement (PDS) to understand the terms, conditions, limits, exclusions and claims requirements that apply to your policy, including when you must contact Healix International and obtain prior approval for certain medical expenses.

Have questions about overseas medical cover before you leave? Contact our team and we will be happy to help.

You or someone in your travelling party must contact Healix International as soon as possible and obtain prior approval for expenses if you are hospitalised overseas. You must also contact Healix and obtain prior approval if you receive outpatient treatment that is expected to cost more than $1,000 or if you are advised that you need a medical transfer or evacuation to Australia.

If you do not contact Healix, the policy will not pay any expenses that Healix would not have approved or arranged. If Healix recommends that you return to Australia for treatment and you choose not to, ReadySet will only pay the amount it determines would have covered your medical expenses and related costs had you followed that recommendation. You will be responsible for any ongoing or additional costs relating to the event.

Before you travel, read the Product Disclosure Statement (PDS) to understand the terms, conditions, limits, exclusions and claims requirements that apply to your policy.

Need help understanding when to call? Contact our team before your trip so you know what to do if you need medical assistance overseas.

You can request an extension before your current policy expires. Your request must be submitted by 11:59 pm AEST on the expiry date shown on your policy schedule.

If the extension is approved and you pay the applicable additional premium, ReadySet will issue a new policy schedule with your revised travel dates.

An extension may not be approved in certain circumstances, including if you have already made a claim, know you may need to make a claim, exceed the maximum age limit for your chosen cover or have developed a new medical condition during the original policy period. Other restrictions may also apply., , if the extension relates to a pre-existing medical condition for which you have been hospitalised (including day surgery or emergency visits) within the last 12 months, or if you have developed a new medical condition during the original policy period.

Before changing your return date, read the Product Disclosure Statement (PDS) to understand the terms, conditions, limits, exclusions and extension requirements that apply to your policy. 

Want to stay a little longer? Contact our team before your policy expires to request an extension.

The policy provides pregnancy related cover up to and including the 24th week of gestation for a single pregnancy and up to and including the 19th week for a multiple pregnancy, .provided there have been no pregnancy complications unless otherwise accepted by ReadySet following a medical assessment.  

If you have experienced complications during the pregnancy, you must complete a medical assessment. Depending on the assessment, ReadySet may decline cover, limit the cover provided or offer cover for an additional premium.

The policy does not cover regular antenatal care, childbirth at any stage of pregnancy or care of a newborn child.

Planning to travel while pregnant? Contact our team t0 discuss the cover available for your circumstances before you travel.

If you want an item treated as a high-value item, you must purchase additional cover for it and have the item and its nominated insured value listed on your policy schedule.

The maximum payable for all insured high-value items combined is $5,000, or a lower amount you have selected. Standard item limits and depreciation do not apply to approved high-value items, but you must provide purchase receipts or valuations if you make a claim.

Jewellery, bicycles, watches and watercraft other than surfboards cannot be insured as high-value items under this provision.

Before you buy, read the Product Disclosure Statement (PDS) to understand the terms, conditions, limits and exclusions that apply to your policy. 

Travelling with something valuable? Contact our team before purchasing your policy to ask about adding high value item cover. Adding high value items can only be done by contacting your call centre.