Overseas Insurance
Travel with greater confidence
Overseas travel insurance assistance
International travel can sometimes involve unexpected medical situations, delayed flights, missing baggage or other disruptions. An appropriate overseas travel insurance policy can provide financial protection for certain covered events.
25 Hours Holidays helps travellers understand common travel insurance options and coordinate with an authorised insurance provider when arranging an international journey.
Policies can be considered for individuals, couples, families, senior travellers, students and groups. The appropriate plan depends on your destination, travel duration, age, medical history and the activities included in your journey. Request Insurance Assistance Before selecting a policy
Look beyond the premium
- ✓ Check the total sum insured
- ✓ Review deductibles and benefit limits
- ✓ Declare medical conditions correctly
- ✓ Understand exclusions and claim procedures
- ✓ Confirm the policy covers your complete journey
Why consider travel insurance?
Protection for certain unexpected situations
Overseas medical treatment and emergency travel changes can be expensive. Depending on the policy selected, travel insurance may provide assistance or reimbursement for specified covered events during your insured journey.
A travel insurance policy is a formal contract between the insured traveller and the insurance company. Every benefit is subject to the policy schedule, coverage limits, deductibles, exclusions and claim conditions.
Travellers should read the complete policy wording before purchase and confirm that the destination, travel dates and planned activities are covered.
Depending on the selected policy
Common travel insurance benefits
Benefits vary between policies. The following are examples of coverage that may be available under an overseas travel insurance plan.
Emergency medical expenses
Eligible overseas medical or hospital expenses arising from a covered illness or accidental injury.
Medical evacuation
Emergency transportation or repatriation where medically necessary and covered by the policy.
Baggage loss or delay
Compensation for eligible checked-baggage loss or delay, subject to applicable waiting periods and limits.
Trip or flight delay
Eligible additional expenses after a covered delay exceeds the period specified in the policy.
Loss of passport
Eligible expenses for obtaining replacement travel documents following a covered passport loss.
Trip cancellation or interruption
Certain non-refundable travel expenses when cancellation or interruption results from a covered reason.
Personal accident
A specified benefit following accidental death or covered permanent disability during the policy period.
Personal liability
Certain third-party legal liabilities arising during an insured journey, subject to policy conditions.
Plans for different journeys
Choose cover suited to the traveller
Different travellers may require different policy features, limits and optional benefits.
Individual travellersCouplesFamiliesSenior travellersStudents travelling abroadBusiness travellersPrivate groupsSingle-trip and multi-trip options
Read before purchasing
Important policy details to review
01
Sum insured
Check the maximum overall cover and any separate limits for individual benefits. 02
Deductibles
Understand the portion of an eligible claim that remains payable by the traveller. 03
Medical conditions
Check how pre-existing illnesses and ongoing treatments are addressed by the policy. 04
Activities
Confirm whether adventure sports, cruises or other planned activities require additional cover. 05
Destination requirements
Ensure that the policy meets any insurance requirements of the destination or visa category. 06
Claim procedure
Keep the insurer’s emergency contact details and understand the reporting and documentation requirements.
If you need to make a claim
Keep supporting documents safely
Claim requirements depend on the incident and policy. Contact the insurer or assistance provider as soon as possible and follow the procedure stated in your policy.
Policy certificate and policy number
Passport and travel documents
Medical reports and original invoices
Airline delay or baggage reports
Police report for theft or passport loss
Receipts for eligible additional expenses
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Important insurance information
Coverage descriptions on this page are general examples only and do not constitute an insurance contract, financial advice or a guarantee of claim payment. The insurance company’s policy wording, schedule, terms, conditions, deductibles, sub-limits and exclusions will apply. Policies are issued and claims are assessed exclusively by the relevant authorised insurer.
25 Hours Holidays is not responsible for underwriting decisions, policy issuance, claim approval or settlement. Travellers should read the complete policy documentation before purchase. Prepare for your international journey
Need assistance with overseas travel insurance?
Share your destination, travel dates and traveller details so we can help coordinate the next step with the relevant insurance provider. Request Insurance Assistance