Frequently asked questions

1. Why is Snow Insurance so cheap?

Our Snow Insurance product has been designed for skiers and snowboarders. We have removed the benefits customers told us they didn't want and added more benefits needed for winter sports. Cheaper prices, better benefits.

2. Who can buy a policy?

Snow Insurance is available to citizens and permanent residents of Australia travelling anywhere in the world including Domestic travel.

3. How do I purchase a policy?

There are two ways to purchase:

• online by completing the initial quote on the homepage and then click on the 'continue' option.
• call 1300 843 843 and one of our friendly staff will go through the process over the phone with you.

4. Which destination should I choose?

You only need to select the ONE region where the majority of your trip is being spent and then you will be covered for other destinations.
If you are spending equal amounts of time in two seperate regions, select the region that has the higher premium.
You will also find more information in our region guide.

5. Can I remove the policy excess?

During the purchase process, there is an option to remove the excess payable in the event of a claim by paying an additional $25. Simply tick the excess buyout box when you buy a policy and you will have an excess free policy.

6. Where can I find the Product Disclosure Statement (PDS)?

This can easily be found under the 'What's covered' section of our website.

7. I made a mistake when buying the policy. How do I fix it?

Oops, accidents happen sometimes!

If you've made a mistake on your policy, call us on 02 8263 0461 for more information on what you need to do or send an email to info@travelinsurancedirect.com.au advising your name, address, policy number and what needs to be amended and we will send you back an amended Certificate of Insurance.

8. Do you cover ski equipment whilst in use?

Yes!
The policy covers loss, theft of or damage to ski and snowboard equipment whilst in use up to $700 or up to the specified amount the item is insured for. Plus, you have cover for alternative ski equipment so you don't miss a minute.

9. What happens if the ski resort is closed due to bad weather?

The policy covers you for each day the facilities at the resort you have pre-booked prior to the trip and that you are staying in is totally closed due to adverse snow conditions.

10. My skis and snowboard are worth more than $700?

You are welcome to specify items above the $700 limit up to $4000 per item, pair or set provided the combined increase for all items does not exceed $10,000. Make sure to add these items during the purchase process under "Additional Options". An additional premium will apply.

11. Am I covered if I needed to be air evacuated off the mountain?

Yes, provided this is deemed the most necessary form of transportation to get you to the nearest medical facility and Mondial Assistance have been made aware of the requirement.

12. Am I covered if I am off-piste?

No. We do not cover off-piste skiing in anyway. You will only be covered whilst you are within the resort or terrain park boundaries.

13. Do you cover snowboarding?

Yes we do!
If you're an avid boarder, our policy will still cover you. Even though the policy wording mentions "Snow Skiing", this also includes snow boarding.

14. Does my insurance pay for any overseas medical costs upfront, or do I have to pay and claim them back later?

You will need to contact Mondial Assistance, the emergency assistance provider, as soon as you anticipate that you will incur ANY medical costs. They will let you know at that time how settlement of your account will be made. Phone numbers can also be found on your policy certificate once you have bought a policy.

15. How can I extend my policy?

There is only one way to extend your policy and that is by phoning us on +61 2 8263 0461 between 8am and 8pm Monday - Friday (AEST) or 10am to 2pm on Saturday or Sunday (AEST).
We can only extend your policy ONCE up to a maximum of 12months in total and only prior to expiry.
You will need to advise credit card details for payment of the extension and we will then email you the extended policy certificate.

16. Can I buy a policy if I have a pre-existing medical condition?

There are certain conditions that we do automatically cover under the policy. A list of these can be found within the policy wording .

17. Can I buy a policy if I am over 70?

Yes, you can!
Cover is available to travellers aged up to 76 years or 81 years depending on which policy you have chosen.

18. Can I puchase a policy if I am departing on a one way ticket?

Yes, you can!

When purchasing a policy, simply enter the date you want the policy to end in the 'return date' section. Please be aware however that if you need to be repatriated at anytime during the trip dates listed on the policy held with us and do not hold a return ticket at that time, you will be charged for the cost of that return ticket by the insurer.

19. Can I buy a policy after I have departed Australia?

Yes, you can. You do not have to be in Australia at the time of policy purchase, but you do need to be an Australian citizen or permanent resident.

20. How do I know my payment is secure?

We make a secure transaction with the bank via a payment gateway. We do not see, store or record these credit card details, we simply receive authorisation from the banking institution. This connection uses the latest technology in encrypted SSL web server certificates so that any information is encrypted and scrambled, making it impossible to intercept or steal.