Did you know you’ll need to pay $100 excess on most claims? Reduce your excess to $0 by adding the Zero-Excess option to your policy for $25. About to buy a travel insurance policy? Here’s what you need to do now to avoid paying excess on claims later.
WHAT IS THE EXCESS ON CLAIMS?Like most travel insurance policies, Travel With Jane charges an excess on certain cover items, like emergency dental and trip cancellation fees. If you ever need to make a claim on an item with excess, you’ll need to pay $100 per person towards each claim. That’s $100 per person per claim. By ‘each claim’ we mean each section of cover. As an example, if you need to make a claim on stolen luggage and emergency hospitalisation, you’ll be charged the excess on both claims. That’s $100 excess on your luggage claim, and $100 on your hospital claim. By ‘charged’ we mean we’ll pay $100 less on each claim, so if your lost luggage claim came to $800, we’ll pay you $800 less the $100 excess.
DON’T WANT TO PAY EXCESS?That’s easy to fix. Simply add the Zero-Excess option to your policy for $25. By paying an extra $25 upfront at the time of buying your travel insurance policy you won’t need to pay the $100 excess if you have to make a claim on an item with excess.
HOW TO TAKE THE ZERO-EXCESS OPTIONOnce you’ve picked the level of cover you need, you’ll be asked whether you want to enhance your cover with a handful of optional extras. One of these is the Zero-Excess option which lets you reduce excess to $0 for an additional $25. Select the Zero-Excess option and hey presto! You’ll see ‘Zero-Excess’ listed on your Travel With Jane Certificate of Insurance. You can only take the Zero-Excess option while buying your policy, not after.
NOT SURE IF YOUR COVER ATTRACTS AN EXCESS OR NOT?Unless you’ve bought the Zero-Excess option, our Basic policy charges excess on all cover items. So an excess of $100 per person per claim is standard here. If you’re covered by a Lite, Luxe or Annual Multi-Trip policy and haven’t added Zero-Excess as an optional extra, you’ll need to pay excess on each claim items except for:
|Nil Excess||Hospital cash allowance|
|Nil Excess||Accidental death|
|Nil Excess||Permanent disability|
|Nil Excess||Loss of income|
|Nil Excess||Luggage and personal effects delay expenses|
|Nil Excess||Travel delay expenses|
|Nil Excess||Pet care|
For full details on the items which attract excess, see the Summary of Cover in the Product Disclosure Statement.Bring Travel with Jane travel insurance along for the ride and be covered when you need it most. Get a personalised quote to see how much you could save on cover and extras.