TRAVEL INSURANCE FOR EUROPE

WHY BUY WITH ZOOM

• Do I have to tell you about every country that I visit?

• We prefer you to list all the countries that you are visiting individually, but understand that sometimes you may not have your full itinerary mapped out in advance.  With country borders within such close proximity, some travellers prefer a loose itinerary and want spontaneity when they travel, and we don't want to stop that.  So just make sure you add Europe to your destination if you think you're likely to pop to a few to extra countires to be sure you're covered.

• Am I covered for a European cruise?

• Whether you're visiting the Mediterranean ports of Italy, France, Spain and Greece, plan to cruise farther north and sail the Norwegian fjords, or cruise along the Danube, you must select our cruise add-on to be covered when on a cruise ship.
  
  Cruise coverage can be added in just one click to your travel insurance policy, which covers any onboard medical treatment, as well as helicopter exacuations if you need emergency medical assistance.

• Is it safe to travel around Europe?

• With uncertainty around the refugee situation in Europe and an increase in terrorist threats making headlines, it's understandable that many travellers are asking whether certain European countries are safe to visit.  The reality is that there are many safe, beautiful holiday destinations in Europe to enjoy.
  
  Smart Traveller, provides travel advisories and recommendations on travel to Europe by country, so it is recommended that travellers register their trip details and sign up for any updates for their destination.  See Travel Smart for general advice for all travellers.
  
  It's important to note that border security has tightened across Europe, so you’ll need to carry your passport when crossing borders.

• Am I covered for sailing around the Greek Islands?

• Yes, provided you are not more than 10 nautical miles off any land mass, you can rest easy knowing that coverage for sailing is included. If you're wanting to sail up to 11-15 nautical miles off the land, you can purchase our Sports and Activities Cover add-on, provided you're not racing! 

• What happens if I need medical assistance in Europe?

• Zoom provides immediate support through our emergency assistance provider, First Assistance. Help is just a phone call away any time of day 365 days a year. This includes access to medical advisors, medical transfers, emergency evacuation and translators if required. We also assist with passing on messages to family and returning unsupervised dependants back to Australia.

• How do alcohol and drugs affect my cover?

•  When it comes to alcohol we advise you to drink in moderation. One too many Ouzo could see you jeopardizing your cover. Please note that we may exclude any claims where excessive drugs or alcohol have been involved.

• I have high value items; how much can I insure them for?

• If you have an expensive item that you just can’t leave behind you can insure it separately for up to $5,000. Please note that high value item cover is only available under our comprehensive plan.

• Am I covered for pre-paid tour bookings?

• Yes, with hundreds of European day tours on offer and iconic must-see sights to tick off, you can take comfort knowing that your pre-paid tour bookings are covered if you had to cancel your trip due unforeseen circumstances outside of your control.

• What age limits apply to Zoom travel insurance policies?

• You must be under the age of 85 to buy a policy with Zoom. Those under 79 years can purchase a policy for a maximum trip duration of 365 days. Those aged between 80-85 years can purchase a policy for a maximum trip duration of 184 days only. You must also be under the age of 69 to purchase our add-on ski or adventure packs.

• Can I reduce my excess with Zoom products?

• Yes you can reduce the standard excess of $200 by paying a excess reduction fee within the payment process. 

• What is a dependant?

• This means your dependant children or grandchildren under the age of 19 at the date of policy issue who are travelling with you.

COMPARE EUROPE TRAVEL INSURANCE

COMPARE PLANS (Benefits are per adult) Expand to see benefits & limits in detail	Medical Only	Standard	Comprehensive MOST POPULAR
MEDICAL	Unlimited	Unlimited	Unlimited
24/7 Emergency Assistance Services	Unlimited	Unlimited	Unlimited
24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
Overseas Emergency Medical & Hospital Expenses^	Unlimited	Unlimited	Unlimited
Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
Includes Dental Expenses (per person)	$500	$500	$500
Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
Additional Expenses	-	$10,000	$50,000
Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)
Includes Family Emergency	-	Yes	Yes
Cover for additional travel expenses such as your return flight to Australia if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)
Includes Resumption of Journey	-	$3,000	$3,000
Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
Includes Emergency Companion Cover	-	Yes	Yes
Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
Hospital Cash Allowance^^	-	$2,500	$5,000
An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
Accidental Death	-	-	$25,000
A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
Permanent Disability^^	-	-	$25,000
A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
Loss of Income^^	-	-	$10,400
Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. (no excess applies)
CANCELLATION	-	$25,000	Unlimited
Cancellation Fees & Lost Deposits	-	$25,000	Unlimited
Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
Alternative Transport Expenses	-	-	$5,000
Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
Travel Delay Expenses	-	-	$2,000
Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
LUGGAGE	-	$7,500	$7,500
Luggage & Personal Effects	-	$7,500	$7,500
Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
Luggage & Personal Effects Delay Expenses^^	-	-	$250
Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
Travel Documents & Transaction Cards^^	-	$2,000	$5,000
Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
Theft of Cash^^	-	-	$250
Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
PERSONAL LIABILITY	$2,500,000	$2,500,000	$5,000,000
Personal Liability	$2,500,000	$2,500,000	$5,000,000
Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.

VISAS FOR EUROPE