Virgin Travel Insurance Review

Virgin Money Australia has a range of travel insurance policies available to suit all types of travellers. From budget plans to luxury annual multi-trip cover, there is something for everyone.

Policies can be bought directly from Virgin Money or through comparison sites. The upper age limits for plans purchased from comparison sites are lower than those of direct policies.

Cost

Virgin Money offers a range of travel insurance options. Depending on the cover you choose, the cost will vary.

The company’s travel cover options include single trip, annual multi-trip and backpacker cover. They also offer a variety of optional extras.

One of the standout features of Virgin Money’s travel cover is its 24/7 emergency assistance service. This includes access to a global network of doctors, nurses and support staff.

Another feature that stands out is its Cancel For Any Reason policy. This is designed to protect you against unforeseen circumstances such as a severe weather event or natural disaster that affects your destination.

The cost of a Virgin Travel Insurance Review is dependent on a number of factors, including your age and if you buy direct from the company or through an aggregator (e.g., a comparison site). In addition, if you have pre-existing medical conditions, your cover will be more expensive if you buy directly from the provider.

Coverage

Virgin Money travel insurance has a range of cover options and benefits to suit different kinds of travellers. Its Basic or Essentials cover may be suitable for those looking for a budget option, while its Comprehensive cover can provide more comprehensive protection to those travelling on a luxury trip.

Depending on your destination and travel itinerary, you can add a number of extras to your policy including gadget cover, rental vehicle excess waiver, and travel cancellation and medical expense protection. There’s also a Cancel For Any Reason feature which can be useful for those traveling on a cruise.

Virgin’s travel insurance premiums are on par with market averages. They offer four levels of cover – Red, Silver, Gold and Black – with policy payouts increasing as you move up the scale.

Customer service

While the customer service and claims processes at Virgin Money are a notch below that of their banking competitors, they are a well oiled machine when it comes to their travel insurance offering. The company has a dedicated claims team and its online portal features a suite of tools for claim management and documentation, which makes the task of processing an incidental claim or a full policy replacement a doddle.

Depending on the plan, you may not be surprised to learn that Virgin’s top of the range travel insurance boasts an impressive array of coverage options. This includes a comprehensive medical cover package, topped off by a snazzy gadget cover that is more like a wish list than a checkbox. The company also does a good job of promoting their travel insurance products via social media and in a variety of print and online promotions. It also a good idea to read the terms and conditions before you click that buy button.

Exclusions

A range of reasonably-priced travel insurance plans mean there’s cover to suit a variety of customers. Some of the cheaper plans are available only on comparison sites, while others can be purchased directly from Virgin Money.

As with any travel insurance plan, it’s important to read your policy carefully to ensure that you’re not disadvantaged by exclusions. For instance, if you’re planning on visiting the British Virgin Islands in the heart of the Atlantic hurricane zone, you may want to look for travel insurance that includes coverage for trip cancellation and interruption should an event like a named storm affect your travel dates.

Another uncommon inclusion is Cancel For Any Reason, which allows you to cancel your trip for any reason (other than a pre-existing medical condition) without losing any money. However, this can come at an additional cost, so it’s important to check your policy documents thoroughly before committing to the purchase.