>> 1. Why is Itrek such good value for money?

We sell direct to the public, we're an online based company & we pass the savings on to you. We're also 40%-50% cheaper than most travel agents.

>> 2. How long does it take to apply for a cover?

This can be done over the phone or internet in about 5 minutes with a Visa or Mastercard.

>> 3. How much is the excess on all policies?

We have a $100 excess which can be removed by paying an extra $25 per adult.

>> 4. When can I buy my insurance policy?

You can purchase your policy up to 12 months prior to your departure date. You can purchase your policy on the day of your departure.

>> 5. When do I receive confirmation that I'm covered?

As soon as you process the payment, you'll receive an automatic email to the address you nominated. That is your policy certificate which is proof cover.

>> 6. How soon do I get my Itrek travel insurance?

Your policy is generated as soon as your payment is processed.

>> 7. I have purchased a policy & haven't received an email yet.

Give us a call with your policy number & we will confirm your email address and e-mail the policy certificate again for you.

>> 8. How do I pay if I don't have a credit card?

You're able to pay by direct deposit, cheque, bank cheque, Australia Post money order. If you choose to do this, please contact our sales department on 1300 889 077 first.

>> 9. Where are your offices?

Our sales office address is:
11/307 Pitt St.
Sydney NSW 2000.

>>10. How do I contact you from overseas?

On your policy certificate, you have emergency contact numbers for our claims department who are open 24/7. Our sales department can be contacted during opening hours on the number on your policy certificate. The emergency contact number from overseas is + 61 2 9251 4298 (+ represents dialing out code from the country you're in).

>> 11. I don't know what geographical region the country I'm visiting comes under. How do I find out?

To find out which geographical region the country you are visiting is in use our destination finder

>> 12. Can I go on the same policy as someone else who isn't related to me?

Yes, you don't need to be related to your travelling companion. You don't even have to live at the same address.

>> 13. What is a dependant?

A dependant is someone who is aged under 21 & who is travelling with a parent or grandparent 100% of the trip. Someone under 21 who is not travelling with a parent or grandparent cannot go on a policy as a dependant. Dependants travel for free but get the same benefits as adults.

>>14. What cover do I have for personal items under luggage?

Cameras (including all bags, lenses, tripods etc) are covered up to $3000, $3000 for laptops (including bags etc.), $1000 for mobile phones (including PDAs & any electronic application with phone capabilities) & $750 for all other unspecified items such as jewellery (a pair of earrings is classified as 1 item). If you're unsure if your item is covered, please contact our sales department on 1300 889 077.

>> 15. Do you cover rental vehicle excess?

No, we don't cover hire cars.

>> 16. I'm having a stop over outside of my selected destination. Is this covered?

Yes, as long as the stopover is less than 48 hours. If your stop over is more than 48 hours all together, you'll need to select the higher geographical region.

>> 17. Do you cover skiing & snowboarding on any of your policies?

Yes, we cover you provided it's recreational and rules and regulations of the ski resort are being followed.

>> 18. What activities are NOT covered?

Any professional sporting activities. Hunting, racing other than on foot, playing polo, mountaineering or rock climbing using ropes or climbing equipment (other than hiking), pot holing, or travelling in international waters in a private sail vessel or privately registered sail vessel.

Parachuting, BASE jumping, sky diving or travel in any other air supported device other than as a passenger in a licensed passenger aircraft operated by an airline or charter company. This exclusion does not apply to hot air ballooning or parasailing.

Diving underwater using an artificial breathing apparatus unless You hold an open water diving license or You were diving under licensed instruction.

>> 19. Can I purchase a policy if I've already left Australia?

No, you will not be covered if you purchase a policy after you have left Australia.

>> 20. Do you cover for terrorism?

No, we don't.

>> 21. There are government warnings against the country I'm travelling to, am I covered?

You'll need to check the smart traveler website for travel advice. If a country is listed as "do not travel" we will not cover you to travel to this country. If the country is listed as anything other than "do not travel" & during your journey it changes to "do not travel", we will cover you to be brought home. Please contact us if you're unsure on this subject.

>> 22. Do you cover for pre-existing medical conditions?

A Pre-existing Medical Condition means any medical or dental condition of Yours or any person on whose state of health Your Trip depends, which in the 30 days before You applied for this insurance:

• required treatment, investigation (whether or not a diagnosis has been made), medication or advice from a doctor, dentist, chiropractor, physiotherapist, naturopath, psychiatrist, psychologist; or
• which You are aware of, or could be expected to be aware of, that may lead to a claim under this policy.

It also means any chronic or on-going medical or dental condition.

Only the conditions which follow are automatically covered under this policy, provided there are no planned procedures, and there have been no complications or exacerbations of the condition in the 6 months before You purchased this insurance.

Acne Hypercholesterolemia (High Cholesterol)
Cataracts Hypertension (High Blood Pressure)
Essential Tremor Hypothyroidism
Gastric Reflux Insomnia
Glaucoma Menopause
Gout Restless Leg Syndrome
Haemorrhoids Tinnitus
Hayfever Varicose veins
Hiatus Hernia

In any other circumstance, existing medical condition(s) will not be covered under this policy.

Please note:
No cover will be provided for any Pre-existing Medical Condition of any other person on whom Your travel depends.

For more info, please read our policy details