Frequently Asked Questions

Browse answers to the most common questions we get asked about travel insurance
When is the best time to get travel insurance?

This depends on your particular situation, but in most cases, it's better to get insurance as soon as you book the trip. However, don't feel like you have to rush into it. It's always a good idea to first find out what your options are - and consider the level of cover that's right for you - before making a final decision.

What are insurance benefits?

Benefits are the elements covered by your travel insurance policy. These can range from airfare reimbursement to medical emergency cover. The level and number of benefits will depend on your chosen plan - please contact us for more information. You can also opt to have additional benefits, such as a cruise pack or cover for rental vehicle excess, added to your policy.

Do you have policies that cover groups?

WASI has a plan for you regardless of whether you're travelling solo or in a group. As long as your travelling companions are listed on the policy, they will receive cover.

What trip types are covered by travel insurance?

WASI insurance covers a wide number of trip types, including business trips, backpacking, cruising and more. Please click here for a full list of trip types covered by Wise and Silent Insurance.

Are there any age limits for travel insurance?

The typical age limit that applies to most travel insurance companies in Australia is between 60 and 75 years; WASI's limit is 99 years. You must also be at least 18 years old to purchase a travel insurance policy.

Do any exclusions apply to my plan?

All travel insurance policies have conditions, exclusions, and limitations; these depend on the type of policy or plan that you choose. Please refer to your policy or contact us for further information.

Can I upgrade or downgrade my policy?

Yes, you can add on or remove upgrades, such as trip interruption, motorcycle and moped pack, or a snow pack. Please see the full list of upgrades here

What is a pre-existing condition?
A pre-existing condition is, in the 12 months before buying the policy:
  • a medical or dental condition of which you’re aware, or the related complication you have, or the symptoms of which you’re aware;
  • a medical or dental condition currently being, or has been, investigated or treated by a medical practitioner (including dentist or chiropractor);
  • any condition for which you have been prescribed medicine. Doesn’t apply to common colds, flu or contraceptive medication;
  • any condition for which you’ve had surgery; or
  • any condition for which you have seen a medical specialist.