Who can actually buy each policy
A gate is not a limit. This answers 'will this policy sell to me' rather than 'what does it pay'. For a traveller the gates come first: most of these policies are unavailable to an 85-year-old, and the per-item luggage limit on one that will not cover them is not worth comparing.
What decides whether each policy is available to a traveller at all: the 8 gates, read out of the policies' own documents, and 5 traveller profiles matched against them. A gate is not a limit. A limit says what a policy pays; a gate says whether it applies to you.
32policies
8gates each
5travellers answered
19rows held back
A silence is not a yes
A gate a document does not state comes back as unknown, never as eligible. 7 of the 12 retail PDSs state no age ceiling for buying the policy at all, and the honest answer for an 85-year-old there is that the document does not say -- the quote engine may still refuse them.
An age ceiling can govern the policy, one plan inside it, one optional cover, or an extension. Only the first two refuse a purchase. A ceiling recorded without its scope produces a confident wrong refusal, which is the worst thing this file could contain.
Where a policy says it will not pay anything that would breach a sanctions regime, that is recorded as a sanctions clause and nothing more. This dataset does not hold those lists, so a destination the document does not name is reported as undecided rather than refused. The countries the documents name themselves are published.
Five travellers, matched against every policy
Each one opens to a row per policy, worst verdict first, with the gate that decided it and the sentence that gate was read from.
I am 85. Is there a policy that will cover me? 15 refused · 5 conditional · 10 unknown · 2 eligible
2 of the 32 policies read state terms that still cover an 85-year-old. 15 refuse one outright, and 10 state no age ceiling at all -- which is not the same as covering them, because the quote engine may still refuse.
| Policy | Insurer | Verdict | Gate | Why | The sentence that says so |
|---|---|---|---|---|---|
| amex-platinum | Chubb | refused | age | the oldest age it will sell to is 79 | You must be 79 years of age or younger before You make Your Qualifying Travel Purchase |
| anz-platinum-black | Allianz | refused | age | the oldest age it will sell to is 80 | (for people aged under 81 years)… |
| bank-of-melbourne-cards | Allianz | refused | age | the oldest age it will sell to is 80 | International Travel Insurance (for persons aged under 81 years) |
| banksa-cards | Allianz | refused | age | the oldest age it will sell to is 80 | International Travel Insurance (for persons aged under 81 years) |
| bendigo-cards | Allianz | refused | age | the oldest age it will sell to is 80 | you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above |
| beyond-bank-cards | Chubb | refused | age | the oldest age it will sell to is 79 | who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase |
| great-southern-bank-cards | Allianz | refused | age | the oldest age it will sell to is 80 | the injury, illness or death of any person who is aged 81 years or over at the time you become eligible for cover under International Travel Insurance |
| mycard-cards | Allianz | refused | age | the oldest age it will sell to is 80 | you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above |
| nab-card-insurance | Allianz | refused | age | the oldest age it will sell to is 80 | you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above |
| pn-bank-cards | Chubb | refused | age | the oldest age it will sell to is 79 | who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase |
| qantas-money-platinum | Chubb | refused | age | the oldest age it will sell to is 79 | – who are 79 years of age or younger when making a Relevant Travel Purchase |
| qantas-money-titanium | Chubb | refused | age | the oldest age it will sell to is 79 | – who are 79 years of age or younger when making a Relevant Travel Purchase |
| stgeorge-cards | Allianz | refused | age | the oldest age it will sell to is 80 | International Travel Insurance (for persons aged under 81 years) … |
| virgin-money-cards | Allianz | refused | age | the oldest age it will sell to is 80 | you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above |
| westpac-cards | Allianz | refused | age | the oldest age it will sell to is 80 | Only available for customers aged under 81 years at the time of issue of your Certificate of Insurance |
| macquarie-black | Chubb | conditional | trip_length | every trip cap in this document carries a condition; the shortest is 14 days, so a 21-day trip depends on which applies | Fourteen (14) consecutive days for a Domestic Return Trip |
| macquarie-platinum | Chubb | conditional | trip_length | every trip cap in this document carries a condition; the shortest is 14 days, so a 21-day trip depends on which applies | Fourteen (14) consecutive days for a Domestic Return Trip |
| fast-cover | Lloyd's | conditional | age | the policy is available at 85, but 2 optional cover(s) close below that age | You must be aged 74 and under at the date of Policy issue to purchase the Adventure Pack |
| travel-insurance-direct | Allianz | conditional | age | the document says a plan is available at any age, but 1 optional cover(s) close below 85 | You must be aged under 75 years at the time of issue of your Certificate of Insurance in order to purchase this optional pack |
| zoom | HDI | conditional | age | the policy is available at 85, but 1 optional cover(s) close below that age | PLEASE NOTE: You must be under the age of 70 at the date your certificate of insurance is issued |
| bankwest-cards | Zurich | unknown | age | The only ages in this booklet that survive the general rules are the age at which an upgrade may be bought and the age in a worked claim example. Neither is the age the complimentary cover stops at, and the booklet does not appear to state one for it. | — |
| cba-premium-cards | Zurich | unknown | age | This booklet gates the cover by age in more than one place and in more than one way: a cardholder under 70 activates it as a matter of course, and one aged 80 or over has a further step to take. Publishing either figure alone would read as the age the cover stops at, which neither is. | — |
| hsbc-cards | Allianz | unknown | age | no age ceiling is stated for buying this policy, so being 85 is not ruled out by the document and is not confirmed by it either | — |
| australia-post | Zurich | unknown | age | no age ceiling is stated for buying this policy, so being 85 is not ruled out by the document and is not confirmed by it either | — |
| budget-direct | Zurich | unknown | age | no age ceiling is stated for buying this policy, so being 85 is not ruled out by the document and is not confirmed by it either | — |
| cover-more | Zurich | unknown | age | no age ceiling is stated for buying this policy, so being 85 is not ruled out by the document and is not confirmed by it either | — |
| insureandgo | Mitsui | unknown | age | no age ceiling is stated for buying this policy, so being 85 is not ruled out by the document and is not confirmed by it either | — |
| medibank | Zurich | unknown | age | no age ceiling is stated for buying this policy, so being 85 is not ruled out by the document and is not confirmed by it either | — |
| tick | Mitsui | unknown | age | the document states age limits, but none of them governs buying the policy | — |
| webjet | Zurich | unknown | age | the document states age limits, but none of them governs buying the policy | — |
| racv | Tokio | eligible | age | it sells to travellers up to 110 | — |
| travel-insurance-saver | Lloyd's | eligible | age | it sells to travellers up to 90 | — |
Can I get cover in Iran? 10 excluded for this · 22 unknown
10 of the 32 policies name Iran in their own documents as excluded. The other 22 do not name it, and carry a sanctions clause deferring to lists this dataset does not hold, so none of them is a yes either.
| Policy | Insurer | Verdict | Gate | Why | The sentence that says so |
|---|---|---|---|---|---|
| bankwest-cards | Zurich | excluded for this | destination | Iran is named in this document as excluded | claims for loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, North Korea or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine |
| cba-premium-cards | Zurich | excluded for this | destination | Iran is named in this document as excluded | claims for loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, North Korea or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine |
| australia-post | Zurich | excluded for this | destination | Iran is named in this document as excluded | claims for loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, North Korea or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine |
| budget-direct | Zurich | excluded for this | destination | Iran is named in this document as excluded | claims for loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, North Korea or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine |
| cover-more | Zurich | excluded for this | destination | Iran is named in this document as excluded | claims for loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, North Korea or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine |
| fast-cover | Lloyd's | excluded for this | destination | Iran is named in this document as excluded | Your claim relates to any travel to Cuba, Iran or North Korea |
| medibank | Zurich | excluded for this | destination | Iran is named in this document as excluded | claims for loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, North Korea or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine |
| tick | Mitsui | excluded for this | destination | Iran is named in this document as excluded | … or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time |
| travel-insurance-saver | Lloyd's | excluded for this | destination | Iran is named in this document as excluded | … 48 hours * this policy will not cover any benefit, loss, cost or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any other country which is sanctioned by European Union, OFAC (United States of America), United Kingdom, the United Nations or Australia from time to time |
| webjet | Zurich | excluded for this | destination | Iran is named in this document as excluded | claims for loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, North Korea or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine |
| amex-platinum | Chubb | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | Section (F) Resumption Of Long International Trip Cover 30 Financial Claims Scheme 47 General Insurance Code Of Practice 48 Sanctions 48 THE AMERICAN EXPRESS PLATINUM CARD Terms And Conditions This Policy is effective from 15/03/2022 American Express® Card Insurance Policy Number: 09NACPLT06 Eligible American Express Card Products This Policy applies to the following American Express Card… |
| anz-platinum-black | Allianz | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | … any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations |
| bank-of-melbourne-cards | Allianz | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | … the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America |
| banksa-cards | Allianz | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | … the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America |
| bendigo-cards | Allianz | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | … any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations |
| beyond-bank-cards | Chubb | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | … and Customer Resolution Service 58 Contact Details 58 Process 58 Our response 58 External Dispute Resolution 59 General Insurance Code of Practice 59 Sanctions 59 Customer Service Consultants are available between 8:30am - 5pm AEST/AEDT on business days |
| great-southern-bank-cards | Allianz | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | … any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations |
| hsbc-cards | Allianz | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | … any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations |
| macquarie-black | Chubb | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | 61 Sanctions… |
| macquarie-platinum | Chubb | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | 61 Sanctions… |
| mycard-cards | Allianz | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | … any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations |
| nab-card-insurance | Allianz | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | … any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations |
| pn-bank-cards | Chubb | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | … Dispute Resolution 36 Chubb Assistance (In the event of an Emergency) 9 General Insurance Code of Practice 36 Eligibility for Insurance Table 10 Sanctions 36 Definitions 11 Coverage Summary 15 Schedule of Benefits 19 Section A - Trip Cancellation and Amendment Cover 21 Section B - Overseas Medical Emergency Expenses Cover 22 Section C - Accidental Death Cover 24 Section D - Public Transport Accident Cover 24… |
| qantas-money-platinum | Chubb | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | 95 Sanctions |
| qantas-money-titanium | Chubb | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | 79 Sanctions |
| stgeorge-cards | Allianz | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | … the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America |
| virgin-money-cards | Allianz | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | … any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations |
| westpac-cards | Allianz | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | Violation of sanctions, laws or regulations Providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) under this Complimentary International Medical Travel Insurance to the extent that the provision of such cover, payment of such… |
| insureandgo | Mitsui | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | or interventions involving the use of force or coercion, or where a sanction would prevent us from paying your claim (see General condition 15 and General exclusions 11 and 13 for more detail) |
| racv | Tokio | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | Sanctions Regulation In addition to the General Exclusions listed above, this policy does not cover any losses or expenses that are from, related to or directly or indirectly caused by any violation of, or exposure of You or Us to any sanction, prohibition or… |
| travel-insurance-direct | Allianz | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | Violation of sanctions, laws or regulations Providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) under this policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would constitute… |
| zoom | HDI | unknown | destination | this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly | … benefit to any person or party where providing such cover, payment, service or benefit would contravene or violate any applicable trade or economic sanction or any law or regulation |
I have a heart condition and I am going away for six months. Who will cover me? 2 refused · 10 excluded for this · 19 conditional · 1 unknown
12 of the 32 policies refuse a 182-day trip or exclude the condition outright. 19 will consider it, normally by assessing the condition for an extra premium.
| Policy | Insurer | Verdict | Gate | Why | The sentence that says so |
|---|---|---|---|---|---|
| amex-platinum | Chubb | refused | trip_length | one journey is capped at 180 days | trip exceeds 180 consecutive days |
| zoom | HDI | refused | trip_length | one journey is capped at 180 days | Cover is only available up to a maximum of 6 months per one journey |
| anz-platinum-black | Allianz | excluded for this | trip_length | every trip cap in this document carries a condition; the shortest is 90 days, so a 182-day trip depends on which applies | Up to six (6) consecutive months for ANZ Black Credit Card cardholders, their spouses and/or dependants |
| beyond-bank-cards | Chubb | excluded for this | trip_length | every trip cap in this document carries a condition; the shortest is 14 days, so a 182-day trip depends on which applies | Fourteen (14) consecutive days for a Domestic Return Trip |
| macquarie-black | Chubb | excluded for this | trip_length | every trip cap in this document carries a condition; the shortest is 14 days, so a 182-day trip depends on which applies | Fourteen (14) consecutive days for a Domestic Return Trip |
| macquarie-platinum | Chubb | excluded for this | trip_length | every trip cap in this document carries a condition; the shortest is 14 days, so a 182-day trip depends on which applies | Fourteen (14) consecutive days for a Domestic Return Trip |
| nab-card-insurance | Allianz | excluded for this | trip_length | every trip cap in this document carries a condition; the shortest is 30 days, so a 182-day trip depends on which applies | Up to six (6) consecutive months for cardholders, their spouses and/or dependants |
| pn-bank-cards | Chubb | excluded for this | trip_length | every trip cap in this document carries a condition; the shortest is 14 days, so a 182-day trip depends on which applies | Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip |
| qantas-money-platinum | Chubb | excluded for this | trip_length | every trip cap in this document carries a condition; the shortest is 14 days, so a 182-day trip depends on which applies | 30 consecutive days for Overseas Return Trips |
| qantas-money-titanium | Chubb | excluded for this | trip_length | every trip cap in this document carries a condition; the shortest is 14 days, so a 182-day trip depends on which applies | 180 consecutive days for Overseas Return Trips |
| westpac-cards | Allianz | excluded for this | trip_length | every trip cap in this document carries a condition; the shortest is 30 days, so a 182-day trip depends on which applies | Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey |
| tick | Mitsui | excluded for this | age | the document states age limits, but none of them governs buying the policy | — |
| bank-of-melbourne-cards | Allianz | conditional | trip_length | every trip cap in this document carries a condition; the shortest is 90 days, so a 182-day trip depends on which applies | Up to six (6) consecutive months for cardholders, their spouses and/or dependants |
| banksa-cards | Allianz | conditional | trip_length | every trip cap in this document carries a condition; the shortest is 90 days, so a 182-day trip depends on which applies | Up to six (6) consecutive months for cardholders, their spouses and/or dependants |
| bankwest-cards | Zurich | conditional | age | The only ages in this booklet that survive the general rules are the age at which an upgrade may be bought and the age in a worked claim example. Neither is the age the complimentary cover stops at, and the booklet does not appear to state one for it. | — |
| bendigo-cards | Allianz | conditional | trip_length | every trip cap in this document carries a condition; the shortest is 90 days, so a 182-day trip depends on which applies | Up to 3 consecutive months for cardholders, their spouses and/or dependants |
| cba-premium-cards | Zurich | conditional | age | This booklet gates the cover by age in more than one place and in more than one way: a cardholder under 70 activates it as a matter of course, and one aged 80 or over has a further step to take. Publishing either figure alone would read as the age the cover stops at, which neither is. | — |
| great-southern-bank-cards | Allianz | conditional | trip_length | every trip cap in this document carries a condition; the shortest is 120 days, so a 182-day trip depends on which applies | Up to 4 consecutive months for cardholders, their spouses and/or dependants |
| hsbc-cards | Allianz | conditional | age | no age ceiling is stated for buying this policy, so being 62 is not ruled out by the document and is not confirmed by it either | — |
| mycard-cards | Allianz | conditional | trip_length | every trip cap in this document carries a condition; the shortest is 180 days, so a 182-day trip depends on which applies | Up to six (6) consecutive months for cardholders, their spouses and/or dependants |
| stgeorge-cards | Allianz | conditional | trip_length | every trip cap in this document carries a condition; the shortest is 90 days, so a 182-day trip depends on which applies | Up to six (6) consecutive months for cardholders, their spouses and/or dependants |
| virgin-money-cards | Allianz | conditional | trip_length | every trip cap in this document carries a condition; the shortest is 180 days, so a 182-day trip depends on which applies | Up to six (6) consecutive months for cardholders, their spouses and/or dependants |
| australia-post | Zurich | conditional | age | no age ceiling is stated for buying this policy, so being 62 is not ruled out by the document and is not confirmed by it either | — |
| budget-direct | Zurich | conditional | age | no age ceiling is stated for buying this policy, so being 62 is not ruled out by the document and is not confirmed by it either | — |
| cover-more | Zurich | conditional | age | no age ceiling is stated for buying this policy, so being 62 is not ruled out by the document and is not confirmed by it either | — |
| insureandgo | Mitsui | conditional | age | no age ceiling is stated for buying this policy, so being 62 is not ruled out by the document and is not confirmed by it either | — |
| medibank | Zurich | conditional | age | no age ceiling is stated for buying this policy, so being 62 is not ruled out by the document and is not confirmed by it either | — |
| racv | Tokio | conditional | pre_existing | a listed set of conditions is covered automatically; anything off the list has to be declared | The plan type You select has the following Excess options: Medical Conditions that are not automatically covered but You want included in Your policy may incur an additional Premium |
| travel-insurance-direct | Allianz | conditional | pre_existing | the condition has to be declared and assessed, usually for an extra premium | or ‒ a Basic Plan if you are aged 75 years or over at the time you apply for a new policy to extend your cover. Important: Cover under your new policy will not be provided: • • • for any pre-existing medical condition covered under your original policy unless you make further application for cover and Allianz Global Assistance agrees to provide cover for your pre-existing medical condition |
| travel-insurance-saver | Lloyd's | conditional | pre_existing | the condition has to be declared and assessed, usually for an extra premium | As part of the application process and subject to completion of the online medical screening process, additional Pre- existing Medical Conditions that You may have can also be covered |
| webjet | Zurich | conditional | age | the document states age limits, but none of them governs buying the policy | — |
| fast-cover | Lloyd's | unknown | pre_existing | the document mentions pre-existing conditions without saying how they are treated | For repairing pre-existing or old damage, faulty workmanship, or incomplete repairs that existed at the time the Certificate of insurance was issued |
I am moving to Canada with no return ticket, and I want to ski. 27 refused · 5 conditional
27 of the 32 policies will not cover this trip at all -- a booked way home is a condition of cover in most of them, and the trip is longer than most caps. 5 are available with something to buy or arrange first.
| Policy | Insurer | Verdict | Gate | Why | The sentence that says so |
|---|---|---|---|---|---|
| amex-platinum | Chubb | refused | trip_length | one journey is capped at 180 days | trip exceeds 180 consecutive days |
| anz-platinum-black | Allianz | refused | trip_length | every trip cap in this document carries a condition; the shortest is 90 days, so a 300-day trip depends on which applies | Up to six (6) consecutive months for ANZ Black Credit Card cardholders, their spouses and/or dependants |
| bank-of-melbourne-cards | Allianz | refused | trip_length | every trip cap in this document carries a condition; the shortest is 90 days, so a 300-day trip depends on which applies | Up to six (6) consecutive months for cardholders, their spouses and/or dependants |
| banksa-cards | Allianz | refused | trip_length | every trip cap in this document carries a condition; the shortest is 90 days, so a 300-day trip depends on which applies | Up to six (6) consecutive months for cardholders, their spouses and/or dependants |
| bankwest-cards | Zurich | refused | age | The only ages in this booklet that survive the general rules are the age at which an upgrade may be bought and the age in a worked claim example. Neither is the age the complimentary cover stops at, and the booklet does not appear to state one for it. | — |
| bendigo-cards | Allianz | refused | trip_length | every trip cap in this document carries a condition; the shortest is 90 days, so a 300-day trip depends on which applies | Up to 3 consecutive months for cardholders, their spouses and/or dependants |
| beyond-bank-cards | Chubb | refused | trip_length | every trip cap in this document carries a condition; the shortest is 14 days, so a 300-day trip depends on which applies | Fourteen (14) consecutive days for a Domestic Return Trip |
| cba-premium-cards | Zurich | refused | age | This booklet gates the cover by age in more than one place and in more than one way: a cardholder under 70 activates it as a matter of course, and one aged 80 or over has a further step to take. Publishing either figure alone would read as the age the cover stops at, which neither is. | — |
| great-southern-bank-cards | Allianz | refused | trip_length | every trip cap in this document carries a condition; the shortest is 120 days, so a 300-day trip depends on which applies | Up to 4 consecutive months for cardholders, their spouses and/or dependants |
| hsbc-cards | Allianz | refused | age | no age ceiling is stated for buying this policy, so being 34 is not ruled out by the document and is not confirmed by it either | — |
| macquarie-black | Chubb | refused | trip_length | every trip cap in this document carries a condition; the shortest is 14 days, so a 300-day trip depends on which applies | Fourteen (14) consecutive days for a Domestic Return Trip |
| macquarie-platinum | Chubb | refused | trip_length | every trip cap in this document carries a condition; the shortest is 14 days, so a 300-day trip depends on which applies | Fourteen (14) consecutive days for a Domestic Return Trip |
| mycard-cards | Allianz | refused | trip_length | every trip cap in this document carries a condition; the shortest is 180 days, so a 300-day trip depends on which applies | Up to six (6) consecutive months for cardholders, their spouses and/or dependants |
| nab-card-insurance | Allianz | refused | trip_length | every trip cap in this document carries a condition; the shortest is 30 days, so a 300-day trip depends on which applies | Up to six (6) consecutive months for cardholders, their spouses and/or dependants |
| pn-bank-cards | Chubb | refused | trip_length | every trip cap in this document carries a condition; the shortest is 14 days, so a 300-day trip depends on which applies | Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip |
| qantas-money-platinum | Chubb | refused | trip_length | every trip cap in this document carries a condition; the shortest is 14 days, so a 300-day trip depends on which applies | 30 consecutive days for Overseas Return Trips |
| qantas-money-titanium | Chubb | refused | trip_length | every trip cap in this document carries a condition; the shortest is 14 days, so a 300-day trip depends on which applies | 180 consecutive days for Overseas Return Trips |
| stgeorge-cards | Allianz | refused | trip_length | every trip cap in this document carries a condition; the shortest is 90 days, so a 300-day trip depends on which applies | Up to six (6) consecutive months for cardholders, their spouses and/or dependants |
| virgin-money-cards | Allianz | refused | trip_length | every trip cap in this document carries a condition; the shortest is 180 days, so a 300-day trip depends on which applies | Up to six (6) consecutive months for cardholders, their spouses and/or dependants |
| westpac-cards | Allianz | refused | trip_length | every trip cap in this document carries a condition; the shortest is 30 days, so a 300-day trip depends on which applies | Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey |
| fast-cover | Lloyd's | refused | return_ticket | a booked return ticket is a condition of cover | and ✓ You hold a return ticket to Australia |
| insureandgo | Mitsui | refused | age | no age ceiling is stated for buying this policy, so being 34 is not ruled out by the document and is not confirmed by it either | — |
| racv | Tokio | refused | return_ticket | a booked return ticket is a condition of cover | … visa - but not a tourist, study or working holiday visa - that will remain valid beyond the period of Your return from Your Trip, and You also hold a return ticket back to Australia (for International plans), a valid Australian Medicare card and have a primary place of residence in Australia |
| tick | Mitsui | refused | age | the document states age limits, but none of them governs buying the policy | — |
| travel-insurance-direct | Allianz | refused | return_ticket | a booked return ticket is a condition of cover | If we pay your claim for additional travel expenses to return to your home and you do not have a return ticket booked to Australia before the event causing your claim occurred, we will reduce the amount of your claim by the price of the fare to Australia from the place you planned to return to Australia from |
| travel-insurance-saver | Lloyd's | refused | return_ticket | a booked return ticket is a condition of cover | One way travel One way travel is defined as any Trip which there is no expected date of return to Australia and/or there is no return ticket booked |
| zoom | HDI | refused | trip_length | one journey is capped at 180 days | Cover is only available up to a maximum of 6 months per one journey |
| australia-post | Zurich | conditional | age | no age ceiling is stated for buying this policy, so being 34 is not ruled out by the document and is not confirmed by it either | — |
| budget-direct | Zurich | conditional | age | no age ceiling is stated for buying this policy, so being 34 is not ruled out by the document and is not confirmed by it either | — |
| cover-more | Zurich | conditional | age | no age ceiling is stated for buying this policy, so being 34 is not ruled out by the document and is not confirmed by it either | — |
| medibank | Zurich | conditional | age | no age ceiling is stated for buying this policy, so being 34 is not ruled out by the document and is not confirmed by it either | — |
| webjet | Zurich | conditional | age | the document states age limits, but none of them governs buying the policy | — |
I am 26 weeks pregnant and going on a cruise. 16 excluded for this · 6 conditional · 10 unknown
16 of the 32 policies exclude something this traveller is asking for: cover stops before week 26 in some, and cruising is excluded unless bought in others. 6 can be made to work by buying the cruise option.
| Policy | Insurer | Verdict | Gate | Why | The sentence that says so |
|---|---|---|---|---|---|
| bankwest-cards | Zurich | excluded for this | age | The only ages in this booklet that survive the general rules are the age at which an upgrade may be bought and the age in a worked claim example. Neither is the age the complimentary cover stops at, and the booklet does not appear to state one for it. | — |
| beyond-bank-cards | Chubb | excluded for this | pregnancy | cover stops at week 23 | c) Your pregnancy, if after the end of the 23rd week of Your pregnancy |
| cba-premium-cards | Zurich | excluded for this | age | This booklet gates the cover by age in more than one place and in more than one way: a cardholder under 70 activates it as a matter of course, and one aged 80 or over has a further step to take. Publishing either figure alone would read as the age the cover stops at, which neither is. | — |
| pn-bank-cards | Chubb | excluded for this | pregnancy | cover stops at week 23 | (c) Your pregnancy, if after the end of the 23rd week of Your pregnancy |
| qantas-money-platinum | Chubb | excluded for this | pregnancy | cover stops at week 23 | … Overseas Return Trip, if you have a pregnancy related Medical Emergency resulting from an Injury or Illness which: (a) occurs before the end of the 23rd week of your pregnancy |
| qantas-money-titanium | Chubb | excluded for this | pregnancy | cover stops at week 23 | … and Amendment Cover if you have an Injury or unforeseen Illness arising from or relating to your pregnancy, that occurs before the end of the 23rd week of your pregnancy and which: 2 |
| westpac-cards | Allianz | excluded for this | pregnancy | cover stops at week 24 | the event occurred prior to the 24th week of your pregnancy |
| australia-post | Zurich | excluded for this | age | no age ceiling is stated for buying this policy, so being 31 is not ruled out by the document and is not confirmed by it either | — |
| budget-direct | Zurich | excluded for this | age | no age ceiling is stated for buying this policy, so being 31 is not ruled out by the document and is not confirmed by it either | — |
| cover-more | Zurich | excluded for this | age | no age ceiling is stated for buying this policy, so being 31 is not ruled out by the document and is not confirmed by it either | — |
| fast-cover | Lloyd's | excluded for this | pregnancy | cover stops at week 23 | Up to the end of the 23rd week of pregnancy if You are pregnant with a single child |
| racv | Tokio | excluded for this | pregnancy | cover stops at week 25 | Cover is included automatically up to the end of the 25th week of Your pregnancy for: 10 a |
| tick | Mitsui | excluded for this | age | the document states age limits, but none of them governs buying the policy | — |
| travel-insurance-direct | Allianz | excluded for this | pregnancy | cover stops at week 24 | the event occurred prior to the 24th week of your pregnancy |
| travel-insurance-saver | Lloyd's | excluded for this | pregnancy | no week of gestation is stated | — |
| webjet | Zurich | excluded for this | age | the document states age limits, but none of them governs buying the policy | — |
| amex-platinum | Chubb | conditional | pregnancy | no week of gestation is stated | — |
| macquarie-black | Chubb | conditional | pregnancy | no week of gestation is stated | — |
| macquarie-platinum | Chubb | conditional | pregnancy | no week of gestation is stated | — |
| insureandgo | Mitsui | conditional | age | no age ceiling is stated for buying this policy, so being 31 is not ruled out by the document and is not confirmed by it either | — |
| medibank | Zurich | conditional | age | no age ceiling is stated for buying this policy, so being 31 is not ruled out by the document and is not confirmed by it either | — |
| zoom | HDI | conditional | pregnancy | no week of gestation is stated | — |
| anz-platinum-black | Allianz | unknown | activity | the document says nothing usable about cruise | overseas outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters |
| bank-of-melbourne-cards | Allianz | unknown | activity | the document says nothing usable about cruise | “overseas” outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters |
| banksa-cards | Allianz | unknown | activity | the document says nothing usable about cruise | overseas outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters |
| bendigo-cards | Allianz | unknown | activity | the document says nothing usable about cruise | Overseas outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters |
| great-southern-bank-cards | Allianz | unknown | activity | the document says nothing usable about cruise | overseas outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters |
| hsbc-cards | Allianz | unknown | age | no age ceiling is stated for buying this policy, so being 31 is not ruled out by the document and is not confirmed by it either | — |
| mycard-cards | Allianz | unknown | activity | the document says nothing usable about cruise | overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters |
| nab-card-insurance | Allianz | unknown | activity | the document says nothing usable about cruise | overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters |
| stgeorge-cards | Allianz | unknown | activity | the document says nothing usable about cruise | overseas outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters |
| virgin-money-cards | Allianz | unknown | activity | the document says nothing usable about cruise | overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters |
What each gate is, and why it decides anything
- Age — The gate that refuses the most travellers. Several of these policies will not sell to anyone over a stated age, and the age differs by twenty years between them.
- Destination — A policy that names a country is a documented refusal for that country. A policy that names none may still refuse under its sanctions clause, which is a different and weaker thing to be able to say.
- Trip length — One journey is capped, and the cap is often shorter for an older traveller or a particular region. A trip past the cap is not partly covered; it is outside the policy.
- Residency — Most of these policies are sold only to Australian residents, and say so as a condition.
- Return ticket — A one-way traveller is outside most of these policies entirely rather than merely limited by them, which is the kind of thing nobody discovers until they claim.
- Pre-existing conditions — The most common reason a travel claim is refused. The three treatments are genuinely different products: excluded outright, assessable for an extra premium, or a listed set covered automatically.
- Pregnancy — Cover stops at a stated week of gestation, and the week differs between policies.
- Activities — Snow sports, cruising, motorcycling and diving are each excluded as standard by some policies and sold back by others. Whether it can be bought at all is the question.
The gates on every policy
Blank where the document does not state it. A policy that states no age ceiling has not promised to cover anyone of any age: it has not said, and the quote engine may still refuse.
| Policy | Insurer | Oldest age it sells to | Longest trip (days) | Countries it names | Pre-existing | Pregnancy (weeks) |
|---|---|---|---|---|---|---|
| amex-platinum | Chubb | 79 | 180 | 1 | excluded | not stated |
| anz-platinum-black | Allianz | 80 | 90–180 varies | none | excluded | 26 |
| bank-of-melbourne-cards | Allianz | 80 | 90–180 varies | 1 | automatic for listed | 26 |
| banksa-cards | Allianz | 80 | 90–180 varies | 1 | automatic for listed | 26 |
| bankwest-cards | Zurich | not stated | 360 varies | 8 | automatic for listed | 24 |
| bendigo-cards | Allianz | 80 | 90 varies | none | see document | 26 |
| beyond-bank-cards | Chubb | 79 | 14–180 varies | none | excluded | 23 |
| cba-premium-cards | Zurich | not stated | 90–360 varies | 8 | automatic for listed | 24 |
| great-southern-bank-cards | Allianz | 80 | 120 varies | none | see document | 26 |
| hsbc-cards | Allianz | not stated | 120 varies | none | excluded unless approved | 26 |
| macquarie-black | Chubb | 85 | 14–90 varies | none | excluded | not stated |
| macquarie-platinum | Chubb | 85 | 14–90 varies | none | excluded | not stated |
| mycard-cards | Allianz | 80 | 180 varies | none | excluded unless approved | 26 |
| nab-card-insurance | Allianz | 80 | 30–180 varies | none | excluded | 26 |
| pn-bank-cards | Chubb | 79 | 14–180 varies | none | excluded | 23 |
| qantas-money-platinum | Chubb | 79 | 14–30 varies | none | excluded | 23 |
| qantas-money-titanium | Chubb | 79 | 14–180 varies | none | excluded | 23 |
| stgeorge-cards | Allianz | 80 | 90–180 varies | 1 | automatic for listed | 26 |
| virgin-money-cards | Allianz | 80 | 180 varies | none | excluded unless approved | 26 |
| westpac-cards | Allianz | 80 | 30–90 varies | none | excluded | 24 |
| australia-post | Zurich | not stated | 360 | 8 | assessable | 24 |
| budget-direct | Zurich | not stated | 360 | 8 | assessable | 24 |
| cover-more | Zurich | not stated | 360 | 8 | assessable | 24 |
| fast-cover | Lloyd's | 89 | 720 | 3 | mentioned unclear | 23 |
| insureandgo | Mitsui | not stated | 360 | 1 | assessable | 31 |
| medibank | Zurich | not stated | 360 | 8 | assessable | 26 |
| racv | Tokio | 110 | 360 | none | automatic for listed | 25 |
| tick | Mitsui | not stated | 42 varies | 26 | excluded | 30 |
| travel-insurance-direct | Allianz | any age | 360 | none | assessable | 24 |
| travel-insurance-saver | Lloyd's | 90 | 360 | 6 | assessable | not stated |
| webjet | Zurich | not stated | 360 | 8 | assessable | 24 |
| zoom | HDI | 85 | 180 | none | assessable | not stated |
How this was read
Every gate is what the document says, not what the insurer's quote engine does. A policy whose PDS states no age limit may still be refused at the point of sale.
Every figure here keeps the sentence it came from and the rule that found it, and anything that
could not be read confidently is held in review rather than published as a number. The data is at
gates.json.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. This dataset holds no travel insurance premiums, because no price list is published for them: it reports what travellers pay in premiums and what comes back as claims across the whole class of business, what each policy covers, and who is authorised to underwrite it. It cannot tell you what a trip would cost to insure, and a class-wide ratio says nothing about any one insurer or trip. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.